BMO Air Miles Mastercard Cash Value Calculator

BMO AIR MILES Mastercard

2x/$20 AIR MILES Partners
1x/$20 All Other Purchases
Rental Car Discounts

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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.

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

BMO AIR MILES Mastercard holders will earn 2 AIR MILES Rewards Miles per $20 spent with AIR MILES Partners. AIR MILES has a decent list of partners. As of July 2019, these include:

  • Shell
  • Sobeys
  • Foodland
  • Sobey's Urban Fresh
  • Safeway
  • Metro
  • Rexall
  • Rona
  • Reno Depot
  • ACE Hardware
  • Lowe's Hardware
  • Budget Car Rental
  • Alamo Rent A Car
  • National Car Rental
  • Staples
  • Global Pet Foods
  • LCBO

Simplified, earning double miles with these partners is equal to earning 1 AIR MILES Rewards Mile per $10 spent which is the rate you can obtain with the BMO AIR MILES World Elite Mastercard for all purchases. The World Elite version also earns you more AIR MILES on National Car Rental and Alamo Rent A Car.

BMO AIR MILES Mastercard holders will also receive 2 AIR MILES Rewards Miles per $20 spent on travel (hotel, flight, car), merchandise, top-up and other travel-related purchases on

Up To 25% Off Rentals

BMO AIR MILES Mastercard members will be able to receive a discount of up to 25% when booking rentals with National Car Rental and Alamo Rent A Car. Cardholder must use contract ID number 3717122 for National Car Rental or 7014883 for Alamo Rent A Car when making the reservation.

Perks and Benefits

The BMO AIR MILES Mastercard comes with a few additional benefits outside of the double miles you can earn shopping with partners.

Extended Warranty

BMO AIR MILES Mastercard members will receive extended warranty when they use the BMO credit card for the purchase. This will double the original manufacturer's warranty period up to a maximum of one additional year.

Purchase Protection

BMO AIR MILES Mastercard holders who use their BMO credit card to make purchases will receive purchase protection. Items purchased are automatically insured against theft or damage for 90 days from the date of purchase.

AIR MILES Sponsor Points

AIR MILES Members can double dip when shopping at AIR MILES Sponser locations. Members will be able to receive points for using their BMO AIR MILES Mastercard and receive points when showing their AIR MILES Collector Card with sponsers.

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. New members can earn an additional 500 miles after making $1,000 in purchases until October 31st 2019.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

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

BMO AIR MILES Mastercard holders can add authorized users to the card for $35 per additional user. This means that additional card holders will at least have to spend $700 on the card to make up for the fee at the average value of $0.10 per AIR MILES Rewards Mile.

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.

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 another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth 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 when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2019-07-11

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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