Skip Navigation

Select Region/Language


Top

Credit Cards

 

Whether you're looking for rewards, cash back or a low rate, it's easy to find a credit
card that's right for you and your business.

 



Not sure where to start?

 

Let us help you find what you need by telling us a bit about your business

 

Number of years in business

 

Annual revenue

 

Number of employees

 

 

Where You’re At

Starting Out

 

Sounds like you’re getting your business started. We have products, tips and tools that can help you get your business off the ground.

 

 

Growing Your Business

 

Looking to grow your business? We can help you build on what you’ve established, with services and solutions designed to take your business to the next level.

 

Managing Your Business

 

We can help you run your business more efficiently with cash flow, payroll and payment solutions that will make your day-to-day operations easier.

 

Transitioning

 

We can help you get the most out of what you put into your business, with succession and retirement planning services to suit your needs.

 

 


Banking with Us

We have bank accounts and plans designed to suit the needs of your business. Find the best match for you.


Credit Cards

Looking to separate your business and personal expenses? Explore our selection of Business Credit Cards.


Business Borrowing

Whether you’re looking to expand or to simply improve your cash flow, we have loans and lines of credit that can help.


Commercial Borrowing

We offer flexible borrowing solutions designed to help larger businesses grow and operate more efficiently.


Accepting Payments

Enjoy access to innovative, industry-leading payment solutions that make it easier for your customers to pay you.


Payroll Services

We can help make payday easier, with payroll solutions that ensure your employees are paid and taxed accurately.


Paying Taxes

We can help you file and pay government taxes online, including payroll source deductions, corporate income tax, GST and PST.


Cash Management

Our extensive cash management solutions can help you efficiently manage your payables, receivables, liquidity and risk.


Corporate Cards

Looking to simplify, control and monitor employee spending? Explore our wide range of corporate card options.



Small Business Credit Cards & Commercial Cards

 

BMO Gold AIR MILES MasterCard for Business

 

BMO Gold AIR MILES®†
MasterCard®* for Business card

 

Get Miles and fly sooner with our highest earning rate.

 

Learn more

 

See how your AIR MILES can add up!
Try the AIR MILES calculator

BMO CashBack MasterCard for Business

 

BMO CashBack®
MasterCard for Business

 

Get CashBack from every purchase

 

  • Pay no annual fee1
  • Earn an annual rebate
  • Get $1 back for every $200 you spend2

 

Learn more

 

See how your CashBack can add up!
Try the CashBack calculator

BMO AIRMILES MasterCard for Business

 

BMO AIR MILES
MasterCard for Business

 

Turn your day-to-day business spending into Miles you can use.

 

Learn more

 

See how your AIR MILES can add up!
Try the AIR MILES calculator


BMO Preferred Rate MasterCard for Business

 

BMO Preferred Rate
MasterCard for Business

 

Enjoy our lowest interest rates and pay no annual fee.

 

Learn more
BMO Premium CashBack MasterCard for Business

 

BMO Premium CashBack
MasterCard for Business

 

Get $1 back for every $100 you spend on your card2.

 

Learn more

 

See how your CashBack can add up!
Try the CashBack calculator

BMO U.S. Dollar MasterCard for Business

 

BMO U.S. Dollar
MasterCard for Business

 

Do business in the United States? Shop, travel or buy online in U.S. dollars.

 

Learn more
Commercial Card

 

Commercial
Card

 

Consolidate all your business spending into one flexible solution.

 

Learn more

 


 

 


Can’t find what you’re looking for?

 

Use our easy to use tools and credit card reward calculators to help you find the card that's right for you and your needs.

 

 

Help me choose

 

Simply select the options you want and we'll suggest credit cards to meet your needs.

 

Help me choose

Compare cards

 

Compare up to 4 credit cards details now.

 

Compare cards

Interest Calculator

 

Calculate your average interest payments for the credit card of your choice

 

Try the calculator


Why get a business credit card?

 

Separating your business and personal expenses can make your life easier. And using a business credit card – instead of simply using your personal card – has a number of important benefits:

  • Easily keep track of your business expenses – which may be tax-deductible3
  • Make expense forecasting and budgeting easier
  • Build a credit history in your company's name
  • Cut down on paperwork at tax time3

Looking for a personal credit card?

 

Take a look at our selection of credit cards for your personal expenses.

 

Personal credit cards

Documents you need

If you're a sole proprietor

Registered documents you'll need to bring

 

If operating under a registered Trade Name, bring one of the following:

 

  • Trade Name Registration
  • Master Business License

 


For a corporation

Registered documents you'll need to bring

 

If your business has been in existence less than 18 months, bring one of the following:1

 

  • Complete Articles of Incorporation
  • Letters Patent/Company Charter
  • Articles of Amendment
  • Articles of Amalgamation
  • Corporate Profile Report

 

If operating under a registered Trade Name, bring one of the following:

 

  • Trade Name Registration
  • Master Business License

 

If your business has been in existence more than 18 months, in addition to the above documents, bring one of the following:

 

  • Annual/Statutory Return
  • Certificate of Status
  • Certificate of Compliance/Existence and any filings under the applicable provincial securities legislation, such as financial statements
  • Financial statement or annual report signed by independent accounting firm
  • Government Assessment
  • Corporate search

 

If operating under a registered Trade Name, bring one of the following:

 

  • Trade Name Registration
  • Master Business License
  • Identification Requirements
  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers

 

 

Identification Requirements

 

  • Name, address, and nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers

 

1 Documents include the names of current directors and/or officers and outline who has the power to delegate authorities and/or borrow on behalf of the corporation (if applicable)


If you're in a partnership

Registered documents you'll need to bring

 

If your business is a General Partnership, bring the following:

 

  • Partnership Registration (if applicable)
  • Partnership Agreement

 

If operating under a registered Trade Name, bring one of the following:

 

  • Trade Name Registration
  • Master Business License

 

If your business is a Limited Partnership, the following:

 

  • Limited Partnership Agreement
  • Certificate of Limited Partnership/Declaration of Limited Partnership/Application for Registration of a Limited Partnership

 

If operating under a registered Trade Name, bring the following:

 

  • Trade Name Registration
  • Master Business License

 

 

Identification Requirements

 

  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories

For an Unincorporated Association

Registered documents you'll need to bring

 

If your business has been formally established, bring one of the following:

 

  • Articles of Association
  • Copy of by-laws or constitution disclosing names and titles of directors and/or officers

 

If not formally established, bring:

 

  • Letter from the organization disclosing who has the authority to open and operate the account

 

 

Identification Requirements

 

  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person ofr company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers



®Registered trade-mark of Bank of Montreal

™Trade-mark of Bank of Montreal

AIR MILES calculator

Enter your average monthly credit card spend to help select the BMO AIR MILES MasterCard for Business that’s right for you.


1. Average monthly credit card spend:

 

2. How much of the above total do you spend at Shell? ?
Bonus reward miles earned at Shell:
  • BMO Gold AIR MILES MasterCard -
    2x reward miles
  • BMO AIR MILES MasterCard -
    1.5x reward miles

 

Shell credit card spend must be less than or equal to total credit card spend.

AIR MILES reward miles earned in 1 year *

 

GOLD AIR MILES MasterCard for Business

 

0

Reward miles


  • 1/$15 AIR MILES reward miles
  • $119 annual fee (owner)

AIR MILES MasterCard for Business

 

0

Reward miles


  • 1/$20 AIR MILES reward miles
  • no annual fee (owner)

* Calculations are for demonstration purposes only. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard for Business Account Agreement. Reward miles are calculated monthly and rounded down to the nearest whole number. Fractions of reward miles will not be awarded. Calculation does not include any bonus reward miles offers that may be applicable to your account. Shell offer is cumulative over the statement period. Reward miles will be earned on purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a maximum of $2,500 in Shell purchases per Owner card and $500 per Employee card in any monthly billing period. Total reward miles shown does not include reward miles earned at AIR MILES Sponsors with your AIR MILES Collector Card.

CashBack calculator

Enter your average monthly credit card spend to help select the BMO CashBack MasterCard for Business that's right for you.


1. Average monthly credit card spend:

 

2. How much of the above total do you spend at Shell? ?
Bonus CashBack earned at Shell:
  • BMO Premium CashBack MasterCard - 3% CashBack
  • BMO CashBack MasterCard - 1.5% CashBack

 

Shell credit card spend must be less than or equal to total credit card spend.

CashBack rebate earned in 1 year *

 

Premium CashBack MasterCard (1%)

$0

Annual Rebate

-

$69

Annual Fee

=

$-69

Total annual Cashback

CashBack MasterCard (0.5%)

$0

Annual Rebate

-

$0

Annual Fee

=

0

Total annual Cashback

* Calculations are for demonstration purposes only. Award of CashBack rewards is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of your BMO MasterCard for Business Account Agreement. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded. Calculation does not include any bonus CashBack offers that may be applicable to your account. Shell offer is cumulative over the statement period. CashBack rewards will be earned on purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a maximum of $2,500 in Shell purchases per Owner card and $500 per Employee card in any monthly billing period.

 

1 Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. See your branch; call the Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.

 

2 Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the CashBack Terms and Conditions and BMO MasterCard for Business Account Agreement. The number of CashBack rewards will be rounded down to the nearest cent number. Fractions of CashBack rewards will not be awarded.

 

3 Speak to a tax professional about tax advice.

 

 

Cancel