BMO Rewards World Elite Mastercard - Rewards Calculator & Benefits

BMO Rewards Points Calculator for the BMO World Elite Mastercard. Calculate total points and card value based on spend, benefits, and fees.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The BMO World Elite Mastercard features three bonus categories which are travel, dining, and entertainment. These categories share a combined cap of $50,000 annually (January to December statement cycle period). Once the cap is hit, you'll earn at the non-category rate for the remainder of the calendar year.

  • 3x Travel
  • 3x Dining
  • 3x Entertainment
  • 2x Everything Else

The BMO World Elite Mastercard also offers bonus points when spending with National Car Rental and Alamo Rent a Car. This is in addition to the points that you would normally earn spending on travel.

  • +2 National Car Rental
  • +2 Alamo Rent a Car

Perks & Benefits

The BMO World Elite Mastercard comes with a few great benefits including lounge access, car rental discounts, and travel & purchase insurance.

Do note that this card may come with additional travel protection and that everything may not be listed.

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.

Rewards Calculator

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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The fee to add authorized users (supplementary cards).
$ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
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.
Type at least 3 characters.
Currently Selected:
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.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
BMO World Elite® Mastercard®
BMO World Elite® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
3X
Earn 3X points for every $1 spent on eligible travel, dining and entertainment purchases.
2X
Earn 2X points for every $1 spent everywhere else.
+2
Earn 2 bonus points for every $1 you spend on rentals at participating National Car Rental® and Alamo Rent a Car® locations.
Main Card Highlights
  • Airport lounge access with free membership in Mastercard Airport Experiences provided by LoungeKey, plus 4 free passes a year.
  • Travel and medical protection with unlimited-trips-per-year coverage for journeys up to 21 days (up to $2 million in eligible medical expenses).
  • Earn BMO Rewards points even faster when you add another cardholder for $50 a year.
  • Shop confidently with an extended warranty and purchase protection.
  • Enjoy free 24-hour access to our experienced concierge staff.
  • Save up to 25% off rentals at participating National Car Rental and Alamo Rent a Car locations.
  • Get 15% off admission to Cirque du Soleil shows touring Canada, and 20% off resident shows in Las Vegas.
  • Enjoy free access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi for Mastercard Cardholders.
  • Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
  • Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
Annual Fee
$150
Authorized User Fee
$50
Foreign Transaction Fee
2.5%
Updated 2020-11-03 By Robert Flowers III
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