Airmiles Credit Card Calculator
The Airmiles credit card calculator below can be used to calculate the number of airmiles that you can expect to collect with your airmiles credit card. The calculator shows a two year period and a single year period. This is because most cards have a bonus in the first year but nothing in the following years. Therefore, to compare the cards accurately you must look at more than a 1 year period.
Again, if you can't afford a credit card or to fully pay off the credit card each month then please don't get a credit card. You'd be much better off just following the weeks best airmiles deals.
Enter your dollars spent at airmiles sponsors (Safeway, Shell, Rona, Boston Pizza, etc...) and at non-airmiles sponsors for an ENTIRE YEAR.
Dollars Spent At Airmiles Sponsors: $
Total Dollars Spent at Other Stores: $
Total Dollars Spent on Credit Card: $0
Total number of airmiles over a two year period
American Express - Platinum ($50/year): 500 Air Miles
BMO Gold Mastercard ($99/year): 150 Air Miles
American Express - Basic: 150 Air Miles
No Airmiles Credit Card: 0 Air Miles
BMO Basic Mastercard: 0 Air Miles
RONA Credit Card: 0 Air Miles
Number of airmiles in a year without bonuses
RONA Credit Card: 0 Air Miles
No Airmiles Credit Card: 0 Air Miles
BMO Gold Mastercard ($99/year): 0 Air Miles
BMO Basic Mastercard: 0 Air Miles
American Express - Basic: 0 Air Miles
American Express - Platinum ($50/year): 0 Air Miles
Calculation Notes
- I'm using a base airmiles calculator of 1 for every $20 at airmiles sponsors. This isn't 100% accurate but will suffice for this general calculation.
- The BMO cards provide Triple reward miles at select merchants, however, these aren't always airmiles sponsors so this isn't taken into consideration for the calculation. Honestly, looking at the sponsors in Calgary I doubt this would have a major impact on the calculation for a majority of people.
I have broken down the calculation to each credit card below.
American Express Platinum Air Miles Credit Card
Year 1: 0 + 350 Bonus = 500 Air Miles
Year 2: 0 Air Miles
Total Over Two Years: 500 Air Miles
Total Cost: $100 ($50/year)
Bonuses: Car Rental Insurance, Free Supplementary Cards, Travel Accident Insurance
More Info - American Express Platinum Credit Card Here
American Express Airmiles Basic Credit Card
Year 1: 0 + 150 Bonus = 150 Air Miles
Year 2: 0 Air Miles
Total Over Two Years: 150 Air Miles
Total Cost: $0
Bonuses: Free Supplementary Cards, Travel Accident Insurance
More Info - American Express Basic Credit Card Here
BMO Basic Mastercard
Year 1: 0 + Bonus = 0 Air Miles
Year 2: 0 Air Miles
Total Over Two Years: 0 Air Miles
Total Cost: $0
BMO Gold Mastercard
Note: This credit card provides a 150 airmile bonus for the first 3 months when spending over $2,000. Therefore, in the calculation if you spend on average greater than $2,000 per month the bonus is applied to the calculator.
Year 1:0 + 150 Bonus + 0 Bonus = 150 Air Miles
Year 2: 0 Air Miles
Total Over Two Years: 150 Air Miles
Total Cost: $198 ($99/year)
Bonuses: Extra Cards $15/year, Car Rental Insurance, 25% off Air Miles flights worldwide,
RONA Credit Card
Year 1: 0 + Bonus = 0 Air Miles
Year 2: 0 Air Miles
Total Over Two Years: 0 Air Miles
Total Cost: $0
Bonus: $ in RONA Gift Cards (Year 1)
Bonus: $ in RONA Gift Cards (Year 2)
Note: the bonus is dependent on the amount spent each year and is calculated based on your entries from above!
Note: it's very difficult to take ALL aspects into consideration with a form like this, however, I have tried my best. Things such as rental car insurance, travel accident insurance, etc are not taken into consideration. If you have any comments/suggestions for this tool please let me know or leave a comment.
