BMO AIR MILES Mastercard Calculator

Calculate how many AIR MILES you can earn and the cash value of those miles when using the BMO AIR MILES Mastercard. Compare side by side against top cards.
Updated 2020-06-20 By Robert Flowers III

The BMO AIR MILES Mastercard is a step down from the BMO AIR MILES World Elite Mastercard which earns miles at double the rate. The good thing is that it has no annual fee, so any spend on the card will generate a positive return. Cardholders will also be able to earn 25% off car rentals with National Car Rental and Alamo Rent A Car.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The BMO AIR MILES Mastercard features one bonus category which is spending with AIR MILES partners. There is no limit to the amount of AIR MILES Rewards Miles you can earn spending in this category and no limit to the amount of miles you can earn with the BMO AIR MILES Mastercard.

  • 2x/$20 AIR MILES Partners
    • Full List of Partners: AIR MILES Sponsor Directory Page
    • Partners include:
      • Alamo Rent A Car
      • Budget Car Rental
      • Foodland
      • Goodyear
      • IGA
      • IHG Hotels
      • Jiffy Lube
      • Lowe's
      • National Car Rental
      • Safeway Grocery
      • Samsung
      • Samsung Pay
      • Shell Gas
      • Staples
      • United Van Lines
  • 1x/$20 Everything Else

Perks & Benefits

The BMO AIR MILES Mastercard comes with a few additional benefits along with some purchase protections.

  • Savings On Car Rentals
    • Save up to 25% off at National and Alamo.
    • Use Contract ID Number 3717122 when booking on
    • Use Contract ID Number 7014883 when booking on
  • Entertainment Discounts
    • 15% off admission to Cirque du Soleil shows touring Canada.
    • 20% off resident shows in Las Vegas.
  • Extra Miles With AIR MILES Partners
    • Show your Collector Card at AIR MILES partners to receive additional AIR MILES.
  • Insurance & Protections

Sign Up Bonus

The standard sign up bonus for the BMO AIR MILES Mastercard is 500 miles after your first purchase which is equal to an easy $50. Promotional bonuses ranging from 800 to 1,000 AIR MILES have also been offered for this card.


Annual Fee

The BMO AIR MILES Mastercard has a $0 annual fee. This means that you will always come out ahead when running spend through the card and you will not have to worry about spending a certain amount to make the card worth keeping.

Authorized User Fee

There's no fee to add authorized users to the BMO AIR MILES Mastercard. This means you can earn additional users to help earn AIR MILES faster.

Foreign Transaction Fee

BMO AIR MILES Mastercard holders will be charged for the conversion to Canadian Dollars based on Mastercard International on the date the transaction is posted to your account plus 2.50% for purchases.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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