American Express Gold Rewards Card
American Express
VS
BMO CashBack World Elite Mastercard
BMO
Best Value
BMO CashBack World Elite Mastercard wins by $414
Based on your spending — adjust below to personalise
AI Expert Analysis
Analyzing cards...
Monthly Spending— all calculations update live
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
Best Value
BMO CashBack World Elite Mastercard
Category Earnings+$1248
Welcome Bonus+$200
Annual Fee-$120
Net Value$1328
Earnings breakdown
Grocery$720
Gas$108
Dining$360
Bills$60
Annual Fee
American Express
$250
BMO CashBack
$120
✓ Better
Welcome Bonus
American Express
$600
✓ Better
BMO CashBack
$200
Base Rate
American Express
1.0%
BMO CashBack
1.0%
Grocery
American Express
2.0%
BMO CashBack
5.0%
✓ Better
Gas
American Express
2.0%
BMO CashBack
3.0%
✓ Better
Dining
American Express
2.0%
BMO CashBack
5.0%
✓ Better
Bills
American Express
1.0%
BMO CashBack
1.0%
| Feature | American Express Gold Rewards Card | BMO CashBack World Elite Mastercard |
|---|---|---|
Annual Fee | $250 | $120 |
Welcome Bonus | $600 | $200 |
Base Rate | 1.0% | 1.0% |
Grocery | 2.0% | 5.0% |
Gas | 2.0% | 3.0% |
Dining | 2.0% | 5.0% |
Bills | 1.0% | 1.0% |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.