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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

 

Get Miles and fly sooner with our highest earning rate.

 

Limited time offer: Earn 1,000 Bonus AIR MILES reward miles after your first card purchase.1 Plus, Get 1 Mile for every $10 in card purchases for the first 3 months.2

 

Learn more

 

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

BMO Premium CashBack MasterCard for Business

 

BMO Premium CashBack
MasterCard for Business

 

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

 

Limited time offer: Get 4.9% annual interest rate on cash advances and MasterCard cheques for the first 6 months.3 Plus, receive 2% CashBack rewards for the first 6 months.4

 

Learn more

 

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

BMO CashBack MasterCard for Business

 

BMO CashBack®
MasterCard for Business

 

Get CashBack from every purchase

 

Limited time offer: Get 9.9% annual interest rate on cash advances and MasterCard cheques for the first 6 months.5 Plus, receive 1% CashBack rewards for the first 6 months.6

 

 

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.

 

Limited time offer: Earn 500 Bonus AIR MILES reward miles after your first card purchase.3 Plus, Get 1 Mile for every $15 in card purchases for the first 3 months.4

 

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 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.

 

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Compare cards

 

Compare up to 4 credit cards details now.

 

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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.

 

1Ongoing 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.

 

2Offer 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.

 

3The introductory 4.9% interest rate is applicable on cash advances and MasterCard cheques only. This rate takes effect once the account is opened, and will continue for the first six (6) billing cycles of that new business owner’s card (the “Offer Period”). During the introductory-rate period, the regular interest rate of 19.9% applies to purchases. After the Offer Period, the introductory interest rate of 4.9% applicable to cash advances and MasterCard cheques will increase to the regular interest rate of 19.9%. Interest rates and fees are subject to change with notice.

 

4Availability is subject to meeting the bank’s credit granting criteria. Applications must be received from January 1, 2016 to April 30, 2016 (the “Campaign Period”). During the Offer Period (described below), you will receive 2% CashBack on purchases charged to the BMO Premium CashBack MasterCard for Business credit card. The 2% CashBack rewards offer applies only to an approved Qualifying Applicant’s business owner’s card (employee cards are excluded). The offer starts once the account is opened and applies to qualifying purchases made during the first six (6) billing cycles of that new business owner’s card (the “Offer Period”) after opening. If you cancel your card within ninety (90) days of opening your account, the Bonus CashBack rewards will be cancelled.

 

5The introductory 9.9% interest rate is applicable on cash advances and MasterCard cheques only. This rate takes effect once the account is opened, and will continue for the first six (6) billing cycles of that new business owner’s card (the “Offer Period”). During the introductory-rate period, the regular interest rate of 19.9% applies to purchases. After the Offer Period, the introductory interest rate of 9.9% applicable to cash advances and MasterCard cheques will increase to the regular interest rate of 19.9%. Interest rates and fees are subject to change with notice.

 

6Availability is subject to meeting the bank’s credit granting criteria. Applications must be received from January 1, 2016 to April 30, 2016 (the “Campaign Period”). During the Offer Period (described below), you will receive 1% CashBack on purchases charged to the BMO CashBack MasterCard for Business credit card. The 1% CashBack rewards offer applies only to an approved Qualifying Applicant’s business owner’s card (employee cards are excluded). The offer starts once the account is opened and applies to qualifying purchases made during the first six (6) billing cycles of that new business owner’s card (the “Offer Period”) after opening. If you cancel your card within ninety (90) days of opening your account, the Bonus CashBack rewards will be cancelled.

 

7Speak to a tax professional about tax advice.

 

8Award of CashBack rewards is made for purchases (excluding cash advances) 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.

 

 

 

Cancel

 

1Offer expires April 30, 2016. 1000 Bonus Miles offer is limited to new BMO AIR MILES MasterCard for Business card accounts and will be applied to your AIR MILES Collector Account (“Collector Account”) within sixty (60) days after your first card purchase. Applications must be received between January 1, 2016, and April 30, 2016. Limit of one (1) Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled.

 

2Availability is subject to meeting the bank's credit granting criteria. Applications must be received January 1, 2016 to April 30, 2016 (the "Campaign Period"). During the Offer Period (defined below), you will receive 1 Mile for every $10 in purchases charged to the BMO AIR MILES MasterCard for Business card. The 1 Mile for every $15 rewards offer applies only to an approved Qualifying Applicant’s business owner’s card (employee cards are excluded) and offer starts once the account is opened and in respect of qualifying purchases made during the first three (3) billing cycles of that new business owner’s card (the “Offer Period”) after opening. If you cancel your card within ninety (90) days of opening your account, the Bonus rewards will be cancelled. The number of AIR MILES rewards will be rounded down to the nearest cent. Fractions of AIR MILES rewards will not be awarded.

 

3Offer expires April 30, 2016. 500 Bonus Miles offer is limited to new BMO AIR MILES MasterCard for Business card accounts and will be applied to your AIR MILES Collector Account (“Collector Account”) within sixty (60) days after your first card purchase. Applications must be received between January 1, 2016, and April 30, 2016. Limit of one (1) Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled.

 

4Availability is subject to meeting the bank's credit granting criteria. Applications must be received January 1, 2016 to April 30, 2016 (the "Campaign Period"). During the Offer Period (defined below), you will receive 1 Mile for every $15 in purchases charged to the BMO AIR MILES MasterCard for Business card. The 1 Mile for every $15 rewards offer applies only to an approved Qualifying Applicant’s business owner’s card (employee cards are excluded) and offer starts once the account is opened and in respect of qualifying purchases made during the first three (3) billing cycles of that new business owner’s card (the “Offer Period”) after opening. If you cancel your card within ninety (90) days of opening your account, the Bonus rewards will be cancelled. The number of AIR MILES rewards will be rounded down to the nearest cent. Fractions of AIR MILES rewards will not be awarded.

 

5Offer is cumulative over the statement period. Award of AIR MILES Reward Miles 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 AIR MILES Terms and Conditions and BMO MasterCard for Business Account Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.

 

6Ongoing 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.

 

7Offer is cumulative over the statement period. Miles will be earned on purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a maximum of $2,500.00 in Shell purchases per Owner card and $500.00 per Employee card in any monthly billing period. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.

 

8Miles will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis.

 

9If you have the BMO Gold AIR MILES MasterCard for Business card, when you redeem Miles for a flight in North America you will receive a 25% discount from the number of AIR MILES reward miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska, excluding Puerto Rico and flight travel within the United States, and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient Miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto 416 226-5171).

 

10Important details, including additional limitations and exclusions of BMO Travel Protection for Business are contained in the booklet that will follow under separate cover with your BMO MasterCard for Business. Insurance benefits provided by Allianz Global Risks US Insurance Company.

 

11Common Carrier Accident Death and Dismemberment Insurance is provided by Chubb Insurance Company of Canada.

 

12Subject to meeting Bank of Montreal’s usual credit granting criteria.

 

13The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National & Alamo locations. Subject to change without notice. 24-hour advance reservations required.

 

14Subject to certain terms and conditions contained in the BMO MasterCard Insurance Extended Warranty and Purchase Protection certificate; please refer to the certificate for further details. Insurance benefits provided by Allianz Global Risks US Insurance Company.

 

15Subject to credit availability and verification of identity. Cash advance fees will apply. 1

 

16If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within twenty-four (24) hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one (1)unauthorized use of your card in the last twelve (12) months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

 

17The Low Interest Rate Option (available on the Preferred Rate MasterCard for Business only) may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you will be provided the standard ongoing interest rate.

 

18Membership terms and the features of the plan are described in the certificate that you will receive. Dominion Automobile Association requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.

 

 

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