BMO AIR MILES World Elite Mastercard Calculator

Calculate how many AIR MILES you can earn with the BMO AIR MILES World Elite Mastercard and compare the results against top rewards cards.
Updated 2020-06-20 By Robert Flowers III

The BMO AIR MILES World Elite Mastercard is a solid choice for those looking to earn AIR MILES Reward Miles at a steady rate and pick up some additional travel benefits such as lounge access, entertainment discounts, and travel insurance/protections.

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

Bonus Categories

The Bank of Montreal AIR MILES World Elite Mastercard (Canada) earns miles at a flat rate and does not feature any bonus categories. You will earn 1 AIR MILE for every $10 spent on all purchases ran across the card. There is no limit to the amount of AIR MILES you can accumulate using this Mastercard. The number of AIR MILES Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded.

  • 1x/$10 All Purchases

Perks & Benefits

The BMO AIR MILES World Elite Mastercard features a few useful benefits for those who travel during the year. This includes lounge access, travel and purchase protections, discounts, and more.

Sign Up Bonus

The standard sign up bonus for the BMO AIR MILES World Elite Card is 2,000 AIR MILES when you spend $3,000 within the first 3 months of having the card. This can be worth anywhere from $160 to $300 depending on how you redeem your AIR MILES.


Annual Fee

The annual fee for the BMO AIR MILES World Elite Mastercard is $120 per year with the first year waived.

Authorized User Fee

The authorized user fee for the BMO AIR MILES World Elite Mastercard is $50 per additional card. Adding family or friends can help build your AIR MILES faster while also granting them great card benefits. You'll want to make sure they spend enough to make up for the $50 fee.

Foreign Transaction Fee

Cardholders 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.
Add Categories
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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Add Categories On Card Change
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.

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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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