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BMO CashBack Business Mastercard®*

Enjoy no annual fee and earn cash back on all your business expenses.

Limited time offer

Get 10% cash back on gas, office supplies and cellphone and internet bill payments for 3 months!** Plus, get a 0.00% introductory interest rate on balance transfers for 9 months with a 3% transfer fee.∆

Apply Now

Your rates at a glance

  • $0

    annual fee1

  • 20.99%

    interest on purchases1

  • 23.99%

    interest on cash advances1

Earn more cash back on your most common expenses

Earn on business expenses

Earn 1.5% back on gas, office supplies and cellphone and internet bill payments31

Earn on everything else

Earn 0.75% on all other card purchases32

Even more benefits to explore

Learn more about what comes with the BMO CashBack Business Mastercard®*

  • Liability Waiver Program: Rest assured you’ll be protected from 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 the option to get 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 Service™: 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.

  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn even more cash back.33
  • Get automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy Savings.™,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 three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO business credit card.16
  • 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 CashBack Business Mastercard®* FAQs

  • Choosing a no-fee cash back business credit card is great if you’re a business owner who makes a lot of purchases and wants to earn cash back every time you use your card.

  • A cash back business credit card works by letting you earn a set percentage of money on your purchases. When you make a purchase with the card, you’ll earn a percentage of the amount you spent as “cash back”, which is real money that you’ll receive at the end of the statement period or calendar year, depending on your specific card’s terms. You can use your cash back by depositing it into a chequing account as cash or paying off your credit card balance.

  • No, business credit card cash back rewards are not taxable.

  • No, there’s no maximum on the amount of cash back you can earn.

  • No, your cash back balance doesn’t expire.

  • Do I need a registered business to apply?

    No, you don’t need a registered business to apply for the BMO CashBack Business Mastercard®*. You can apply with a sole proprietorship, a single-owner corporation, a multi-owner corporation, a partnership or an unincorporated association.

    Is there a minimum income requirement?

    No, there’s no minimum income requirement to apply for the BMO CashBack Business Mastercard®*.

    What are the benefits of the BMO CashBack Business Mastercard®*?

    One of the main benefits of the BMO CashBack Business Mastercard®* is that it has no annual fee, so you can save on costs while still earning cash back on your business purchases. With this card, you can earn cash back on every purchase, and earn even more cash back on gas and office supplies.224 Go to the benefits section on this page to find out what else is included with this card.

    Is there a fee for the BMO CashBack Business Mastercard®*?

    No, the BMO CashBack Business Mastercard®* has no annual fee.

    Can I set up a BMO PaySmart installment plan with this card?

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

Want more information?

  • Get card recommendations

    Answer a few questions about your credit card needs and we’ll recommend some options.

  • 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.