Which card is better for groceries, Aspire Travel Platinum Mastercard or BMO AIR MILES Mastercard?

The Aspire Travel Platinum Mastercard earns 1x on groceries, while the BMO AIR MILES Mastercard earns 1/$20. The better choice depends on your grocery spending and the specific merchants you shop at.

Aspire Travel Platinum Mastercard vs BMO AIR MILES Mastercard — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Aspire Travel Platinum Mastercard wins by $329/yr — strongest in groceries

Aspire Travel Platinum Mastercard earns $121 more on groceries
Aspire Travel Platinum Mastercard earns $46 more on bills & utilities

Groceries: +$121Bills & Utilities: +$46Shopping: +$40

Aspire Travel Platinum Mastercard: $30/yr in foreign transaction fees

BMO AIR MILES Mastercard: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$317

/first year

0.8% effective$26/mo

vs 1% no-fee card: −$102

Annual rewards earned+$347

FX costs−$30

Annual fee−$0

−$13

/first year

-0.0% effective$1/mo

vs 1% no-fee card: −$431

Annual rewards earned+$17

FX costs−$30

Annual fee−$0

Best for your spendingAspire Travel Platinum Mastercard—$317Year 1 value

+$329 more than BMO AIR MILES Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Aspire Travel Platinum Mastercard wins by $329/yr — strongest in groceries

Aspire Travel Platinum Mastercard earns $121 more on groceries
Aspire Travel Platinum Mastercard earns $46 more on bills & utilities

Groceries: +$121Bills & Utilities: +$46Shopping: +$40

Showing Year 1 analysis

Aspire Travel Platinum Mastercard wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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