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CREDIT CARDS

CASH REBATES

BMO AIR MILES World Elite®* Mastercard Points Calculator

Credit Score

Very Good

Welcome Bonus

Up to 2000 points ($360 value)

Annual Income

Personal:

$80,000

Household:

$150,000

Our Rating

4.5/10

Credit Score

Very Good

Welcome Bonus

Up to 2000 points ($360 value)

Annual Income

Personal:

$80,000

Household:

$150,000

Our Rating

4.5/10

Details at a glance

Card Type

Points

Annual Fee

$120

$0

First Year Waived

Interest Rates*

Purchase: 20.99%

Cash: 23.99%

Institution

BMO

Card Network

Mastercard

Benefits & Insurance at a glance

Travel Insurance

Airport Lounge Access

Concierge Service

Priority Travel

Car Rental Discount

Global Wifi

Purchase Protection

Extended Warranty

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 2 Airmiles point for every 25 dollar spent on Groceries

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Always get 3 Miles for every $12 spent at participating AIR MILES Partners.
  • • Out of Province Medical insurance (Up to 2 million)
  • • Use less Miles with exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.
  • • Get Miles Twice When you use your BMO AIR MILES®† Mastercard®* and show your AIR MILES Card at participating Partners.
  • • 25% off base rate of participating National Car Rental and Alamo Rent a Car
  • • Stay connected with over 1 million Boingo Wi-Fi hotspot worldwide.
  • • 24-hour access to experienced concierge staff.
  • • Access to +1300 Airport lounges with MasterCard DragonPass
  • • Purchase Protection Insurance
  • • Extended Warranty Insurance
  • • Car Rental Loss and damage insurance