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NEW CARD

BMO Blue Rewards World Elite®* Business Mastercard®*

Get the most out of every business purchase with Points multipliers and more from Blue Rewards (formerly AIR MILES®†).

Welcome offer

Get over $1,750 in value, including an annual-fee waiver, in your first year!§§§

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Minimum of $80,000 (personal) or $150,000 (household) or $250,000 (business revenue) or $400,000 (Assets Under Management).

Your rates at a glance

  • $175

    annual fee (waived in the first year)§§§1

  • 20.99%

    interest rate on purchases1

  • 23.99%

    interest on cash advances1

Here’s how our welcome offer adds up

  • Bonus Points (worth up to $800)

    In your first year, you can earn up to  (worth up to $800 in value when redeemed at participating in-store partners or towards eGift Cards).§§§

  • $175 annual fee waiver

    We’ll waive the annual $175 fee for the primary cardholder in your first year.§§§

  • Up to $520 in value with Maple

    With this card, you’ll get five free virtual care visits with Maple.34

  • Up to $268 in value with DragonPass

    You can enjoy a complimentary membership for Mastercard Travel Pass provided by DragonPass, as well as four free passes per calendar year.26

Get even more perks with your Blue Rewards business credit card

  • Travel coverage

    Enjoy travel medical insurance, car rental collision damage waiver coverage, trip cancellation/interruption coverage, and more.25

    A person stands on a hilltop with arms raised, overlooking a tropical landscape of green hills, palm trees, and turquoise bays, capturing the feeling of carefree travel and adventure.

  • Airport lounge access

    Get a free membership for Mastercard Travel Pass provided by DragonPass, plus four free passes per calendar year.26

    A person relaxes in a comfortable airport lounge chair while a staff member offers drinks on a tray, with soft lighting and luggage nearby, conveying a calm and premium pre‑flight experience.

  • 5 free virtual care visits 

    Meet with a registered Canadian healthcare provider whenever you need to with Maple.34

    A person participates in a virtual care appointment, viewing a doctor on a laptop screen as the doctor speaks and gestures during the video consultation.

  • Security and protection

    Feel secure with zero liability protection in cases of fraudulent card use.5

    A hand holds a magnifying glass over a red figure with a mask, standing among plain wooden figures in ties, symbolizing identifying and preventing fraud.

Earn Blue Points on every dollar

  • 10 times​ the Points on Blue Rewards Travel, powered by Expedia27

    Earn 12.5 Blue Points for every $1 spent when you book flights, car rentals, hotels and more through Blue Rewards Travel, powered by Expedia – helping you get more out of every business trip.

  • 10 times​ the Points at Blue Rewards Partners27

    Earn 12.5 Points for every $1 spent at participating Blue Rewards Partners, including Pharmasave, Global Pet Foods and many more. That's 10 times​ your base earn rate.

  • 2x the Points28

    Earn 2.5 Points for every $1 spent on gas and electric vehicle (EV) charging. That’s two times​ your base earn rate.

  • Extra Blue Points

    Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout.19

Every Point adds up with a base earn rate of 1.25 Points for every $1 spent.20

Redeem for all the things you want

  • Blue Rewards Travel, powered by Expedia logo

    Redeem and earn Blue Points for travel

    • ten times​​ the Points: Earn ten times​ the Points when you book flights, car rentals, hotels and more through our travel platform, with access to Expedia’s global inventory.27
    • More ways to pay: Redeem any amount of Points to reduce what you pay out of pocket, when using a combination of your BMO Blue Rewards credit card and Points (excluding cruises).
    • Cover your trip: Use Points to pay for your whole trip, including taxes and fees (excluding cruises and pay-at-property fees).
    • Competitive pricing: Unlock special deals to experience more of the world.
    Learn more
  • Blue Rewards partners including Apple, Ninja, Dyson and Amazon

    Rewards for every moment

    • 1,500 Blue Points = $10 footnote delta, delta  when redeemed in store, or towards e-Gift​​ Cards.
    • Redeem your Points for entertainment, merchandise, e-Gift​​ Cards, in-store purchases and more.
    • Choose from over 400 brands, including Amazon, Apple, Dyson and Ninja.
    Explore blue rewards

Even more benefits to explore

Learn more about what comes with the BMO Blue Rewards World Elite®* Business Mastercard®*. 

  • Liability Waiver Program: This provides protection against employee card abuse.8
  • Zero liability: Feel secure with zero-liability protection in cases of fraudulent card use.5
  • Extended protection: We offer 90-day purchase protection plus extended warranty protection of up to an additional year on items you charge to your card.9
  • Mastercard Trust Centre: Get online access to trusted cybersecurity research and resources to help protect your business.
  • Mastercard Global ServiceTM: Get support when you need it with 24/7 assistance for card-related concerns, available in all languages and anywhere in the world.
  • Toll-free customer service: Call 1-844-385-5055 toll free for customer service in English, French, Cantonese or Mandarin.

For more information on security at BMO, find out how we protect you.

  • Travel medical insurance: You’ll be covered for up to $5 million in eligible out-of-province or out-of-country emergency medical expenses for trips up to 15 days.25
  • Trip cancellation reimbursement: In the event of an eligible cancellation, you’ll be reimbursed for the non-refundable and non-transferable prepaid portion of your trip up to $1,500 per insured person, to a maximum of $5,000 per account.25
  • Flight delay insurance: If your flight is delayed for more than four hours, you’ll be reimbursed up to $500 per account for additional accommodation and travelling expenses.25
  • Delayed and lost baggage insurance: You can get reimbursed up to $500 per insured person, to a maximum of $1,000 per account if your baggage is lost or damaged. If your checked baggage is delayed by more than six hours, you’ll be reimbursed up to $500 for the purchase of essential items.25
  • Car rental collision/damage waiver insurance: You’ll be reimbursed for damage or theft of your rental car for a total rental period of up to 48 consecutive days.25
  • Trip interruption reimbursement: If your trip is interrupted by an eligible event, you will get reimbursed up to $2,000 per insured person for the extra cost of a one-way economy return airfare and any unused non-refundable prepaid arrangements.25

Download our travel protection certificate of insurance for more information.

  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster.§§10
  • Get automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy SavingsTM​,11.
  • Enjoy 30% off H&R Block’s DIY and Assisted Channels Tax Offerings.12
  • Get 20% off admission to Cirque du Soleil shows touring Canada,13 plus 15% off resident shows in Las Vegas.14
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO business credit card.15
  • Get 24/7 access to roadside assistance, including battery boosts, flat-tire changes, lockout service and towing – a $75-per-year market value.17
  • Unlock up to 35% off base rates on your next car rental with Avis and Budget when you prepay at booking.18

BMO PaySmart Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Learn more

What you’ll need to apply for a business credit card with us

Select your type of business for a list of information you’ll need to provide.

Here’s what you’ll need:

  • Name, address and date of birth, along with personal identification
  • Trade Name Registration (if applicable)
  • Master Business Licence (if you’re using a registered trade name)

Here's what you'll need:

Please consult the following list to figure out what information you may need to provide.

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

  • Complete articles of incorporation
  • Letters patent/company charter
  • Articles of amendment
  • Articles of amalgamation
  • Corporate Profile Report

If your business has been in existence more than 18 months, please provide one item from the previous list as well as 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 an independent accounting firm
  • Government assessment
  • Corporate search

If your business operates under a registered trade name, please provide one of the following:

  • Trade Name Registration
  • Master Business License

In all cases, please provide the following identification:

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

Here's what you'll need:

Please consult the following list to figure out what information you may need to provide.

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

  • Complete articles of incorporation
  • Letters patent/company charter
  • Articles of amendment
  • Articles of amalgamation
  • Corporate Profile Report

If your business has been in existence more than 18 months, please provide one item from the previous list as well as 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 an independent accounting firm
  • Government assessment
  • Corporate search

If your business operates under a registered trade name, please provide one of the following:

  • Trade Name Registration
  • Master Business License

In all cases, please bring the following identification:

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

Here's what you'll need:

Please consult the following list to figure out what information you may need to provide.

If your business is a general partnership, please bring the following:

  • Partnership registration (if applicable)
  • Partnership agreement

If your business is operating under a registered trade name, please bring one of the following:

  • Trade Name Registration
  • Master Business License

If your business is a limited partnership, please bring the following:

  • Limited partnership agreement
  • Certificate of limited partnership/declaration of limited partnership/application for registration of a limited partnership

In all cases, please bring the following identification:

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

Here's what you'll need:

Please consult the following list to figure out what information you may need to provide.

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

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

If your association isn’t formally established, please bring:

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

In all cases, please bring the following identification:

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

BMO Blue Rewards World Elite®* Business Mastercard®* FAQs

General

  • Blue Rewards (formerly the AIR MILESregistered trademark, dagger​ Program) is a new loyalty program designed to make your experience simple and rewarding. We’ve introduced more places for you to earn and redeem Points so you can get more from your everyday business spending.

  • You can become a Blue Rewards Member today, just visit the Blue Rewards website.

  • No, these are different rewards programs. Blue Rewards is a new loyalty program designed to make your experience simple and rewarding. BMO Rewards is a separate rewards program available only with select BMO credit cards.

  • BMO takes your security seriously and works with you to keep you safe while banking online. For more information on security at BMO, find out how we protect you.

  • For more information on the transition from AIR MILESregistered trademark, dagger​ to Blue Rewards, please visit our transition page.

Points and rewards

  • You collect Points on eligible purchases when you show your Blue Rewards Member card or use a Blue Rewards credit card or debit card to pay. Your everyday spending adds up to rewards you can use.

  • Get all the details about redeeming Points on the Blue Rewards website.

  • You can access your Blue Rewards Summary on your Mastercard monthly statement. It will display the number of Points you got on purchases for the stated period but won’t include Points from bonus or promotional offers.

    You can also check your Points and balances when you sign in to BMO Online Banking or the BMO Mobile Banking app, on your Blue Rewards Member Summary statement, and through the Blue Rewards website.

Credit cards

  • The perks of the BMO Blue Rewards World Elite®* Business Mastercard®* include a first-year fee waiver, airport lounge access, travel coverage, free virtual healthcare visits and more. Plus, we’re currently offering a welcome bonus that lets you earn up to 120,000 Blue Points.§§§ For more information, go to the perks section on this page.

  • Yes! Purchases made with this card can be broken up into smaller monthly payments through PaySmart.

Want more information?

  • Meet with us in person

    Our in-branch teams would be happy to help you find what you need.

  • Give us a call

    Our teams can answer your questions and provide support.

 footnote delta, delta details  Standard daily Points usage limits and terms and conditions apply for in-store partner redemptions and e-Gift​​​​​ Cards. Other forms of redemptions are subject to separate terms, conditions and redemption rates. See bluerewards.ca/value for full details.