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.
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