BMO World Elite Mastercard Calculator

Card Details & BMO Rewards Points Calculator
3x Travel
3x Dining
3x Entertainment
2x Everything Else
National and Alamo Bonus Points/Discounts
Mastercard Airport Experiences
Travel & Purchase Protection

BMO Rewards Points Calculator for the BMO World Elite Mastercard. Calculate total points and card value based on spend, benefits, and fees. Compare!

Bonus Categories

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.

Sign Up Bonus (SUB)

The sign up bonus for the BMO World Elite Mastercard is 40,000 bonus BMO Rewards Points. You'll get 30,000 points when you spend $3,000 in the first 3 months plus an additional 10,000 points on your card anniversary.

Fees & Income Requirements

Annual Fee

The annual fee for the BMO World Elite Mastercard is $150.

Authorized User Fee

The authorized user fee for the BMO World Elite Mastercard is $50 per user, per year. If you have friends or family that frequently spend in the categories on the card, I recommend adding them to help build your points faster.

Foreign Transaction Fee

The foreign transaction fee for the BMO World Elite Mastercard is 2.5%.

Income Requirements

The BMO World Elite Mastercard requires a minimum individual income of $80,000 or household income of $150,000.

and Card Value Calculator

You can use this 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 rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
Sign Up For Free
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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