American Express Gold Rewards Card
American Express
VS
BMO AIR MILES World Elite Mastercard
BMO
Best Value
American Express Gold Rewards Card wins by $170
Based on your spending — adjust below to personalise
Monthly Spending— all calculations update live
Best Value
American Express Gold Rewards Card
Category Earnings+$564
Welcome Bonus+$600
Annual Fee-$250
Net Value$914
Earnings breakdown
Grocery$288
Gas$72
Dining$144
Bills$60
BMO AIR MILES World Elite Mastercard
Category Earnings+$564
Welcome Bonus+$300
Annual Fee-$120
Net Value$744
Earnings breakdown
Grocery$288
Gas$72
Dining$144
Bills$60
Annual Fee
American Express
$250
BMO AIR
$120
✓ Better
Welcome Bonus
American Express
$600
✓ Better
BMO AIR
$300
Base Rate
American Express
100.0x
BMO AIR
100.0x
Grocery
American Express
2.0x
BMO AIR
2.0x
Gas
American Express
2.0x
BMO AIR
2.0x
Dining
American Express
2.0x
BMO AIR
2.0x
Bills
American Express
1.0x
BMO AIR
1.0x
| Feature | American Express Gold Rewards Card | BMO AIR MILES World Elite Mastercard |
|---|---|---|
Annual Fee | $250 | $120 |
Welcome Bonus | $600 | $300 |
Base Rate | 100.0x | 100.0x |
Grocery | 2.0x | 2.0x |
Gas | 2.0x | 2.0x |
Dining | 2.0x | 2.0x |
Bills | 1.0x | 1.0x |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.