"How much is one AIR MILE worth in Canadian dollars?"

"One AIR MILE is worth approximately 10–12 cents CAD when redeemed as a Dream Mile for flights and travel. For Cash Miles, the benchmark is 95 Cash Miles = $10 off at participating retailers, which equals approximately 10.5 cents per Cash Mile. Merchandise and gift card redemptions typically deliver less value — verify current redemption rates at airmiles.ca."

"What is the difference between Dream Miles and Cash Miles?"

"AIR MILES has two currencies: Dream Miles (for flights, travel packages, entertainment, and experiences) and Cash Miles (for cash off at partner retailers at checkout). You choose which type you collect when setting your preference. Dream Miles are better for travel redemptions; Cash Miles are simpler and more accessible for everyday savers. You can also convert Dream Miles to Cash Miles at a reduced rate."

"Which credit card earns the most AIR MILES in Canada?"

"The BMO AIR MILES World Elite Mastercard earns elevated AIR MILES at partner locations and eligible grocery stores. The BMO AIR MILES Mastercard (no annual fee) earns at the base rate. Other co-branded and partner AIR MILES Mastercards exist through various issuers. Verify current earn rates at bmo.com and airmiles.ca."

"How many AIR MILES do I need for a flight?"

"AIR MILES flight rewards start at approximately 1,200 Dream Miles for a short-haul North American flight, with requirements increasing for longer distances and international routes. Exact mileage for flights depends on the route, class of service, and availability — check airmiles.ca for current flight reward pricing."

"Do AIR MILES expire?"

"AIR MILES have undergone changes to their expiry policy. Currently, Dream Miles do not expire as long as you have account activity (earning or redeeming) within a qualifying period. Cash Miles policies may differ. Verify the current expiry policy at airmiles.ca, as programme terms can change."

AIR MILES Calculator Canada 2026: How Many Miles Will You Earn?

Enter your monthly spending below to estimate how many AIR MILES you would earn per year and what they are worth in CAD. The calculator uses approximate earn rates — exact rates depend on your card and AIR MILES partner spending. Verify current earn rates with your card issuer.

AIR MILES Earn Calculator

Approximate earn rates. Enter your typical monthly spending below.

Eligible AIR MILES partner stores ($/month) ~1 mile per $10–$15 spent

Eligible grocery stores ($/month) Elevated rate with BMO AIR MILES card

All other purchases ($/month) ~1 mile per $15–$20 spent

Value per mile (cents) 10.5¢ = Cash Miles (95 miles = $10)

Your estimated annual earn

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miles / month

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miles / year

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est. value / year

Estimates only. Earn rates vary by card and partner. Verify with your card issuer and airmiles.ca.

Note: AIR MILES earn rates from credit card spending vary by card and partner. The calculator above uses approximations based on typical earn structures. For exact earn rates, check bmo.com (BMO AIR MILES cards) or your card’s current terms and conditions.

AIR MILES Value Reference

Miles Balance	Dream Miles — Flights (~10–12¢/mile)	Cash Miles (~10.5¢/mile)
500 miles	$50–$60	$52.50
1,200 miles	$120–$144	$126
2,500 miles	$250–$300	$262.50
5,000 miles	$500–$600	$525

Dream Miles flight values are approximate and depend on route and availability. Cash Miles rate is based on 95 miles = $10 at participating retailers.

BMO AIR MILES Credit Cards

Card	Annual Fee	Key Benefit
BMO AIR MILES World Elite Mastercard	$120	Elevated earn + World Elite benefits
BMO AIR MILES Mastercard	$0	No-fee base earn rate

How to Earn More AIR MILES

Shop at AIR MILES partner stores: Sobeys, Shell, Rexall, and other partners add miles to your balance beyond credit card earn
Set your collector preference: Choose Dream or Cash early — mixing without a strategy reduces overall value
Watch for bonus mile promotions: AIR MILES regularly runs in-store and online promotions offering 2x–10x miles at specific partners
Use both card and collector number at partners: Double-dip credit card miles and in-store collector miles at participating AIR MILES partners