Terms and conditions
footnote dagger details $2,175 in value is made up of:
Up to $1,000: Up to 150,000 bonus reward points (worth up to $1,000 when redeemed for travel-related purchases at 150 points = $1)
$275: Annual Fee Waiver Offer
- Annual fee waiver of $175 for the primary cardholder
- Annual fee waiver of $50 for the first 2 Additional cards
Up to $200: NEXUS Statement Credit
- Receive one statement credit up to a maximum of $200 CAD when NEXUS Application Fee is charged and posted in the first year on your Primary card regardless of NEXUS Application status. To be eligible for the NEXUS Statement Credit, the Primary Account must be in good standing at the time of the NEXUS program membership application fee is charged and posted. BMO has no control over the NEXUS program and terms and conditions are defined by NEXUS Program.
Up to $520: Five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP).
Up to 180: Mastercard Travel Pass provided by DragonPass
- Complimentary membership ($68) in Mastercard Travel Pass provided by DragonPass and two complimentary passes ($32 each)
footnote dagger dagger details Welcome Offer: BMO Ascend World Elite Business Mastercard applications must be received between June 2, 2026 and June 2, 2027 (the “Offer Period”) to be eligible for this offer.
This offer is not available to current or former BMO Ascend World Elite Business Mastercard cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice.
Earn 50,000 BMO Rewards welcome bonus points when you spend a minimum of $10,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening.
Earn an additional 50,000 BMO Rewards bonus points when you spend a minimum of $20,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 180 days of account opening.
Earn a further 50,000 BMO Rewards bonus points when you spend a minimum of $30,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days of account opening.
Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the bonus points to be credited to your BMO Rewards Account. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Rewards earned within that period may be cancelled. To receive Welcome Bonus Points, your credit card account must be open and in good standing.
Both eligible travel and non-travel purchases can be redeemed up to 90 days after the purchase date. To be eligible for the travel redemption rate of 150 points per $1 value, travel purchases must be made at merchants that are classified as airlines, car rental agencies, hotels/resorts, vacation packages, cruise lines, eligible vacation rentals, passenger railways, timeshares, travel agencies and tour operators. For all other non-travel purchases, you can redeem at a rate of 200 points per $1 value.
Please refer to the Pay with Points section of bmorewards.com for extended Terms and Conditions.
The primary cardholder’s annual fee of $175 and the first two Additional Cards’ annual fee of $50 per card, issued for the same Business Borrower, if any, will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary owner’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. To receive the first-year annual fee rebates for the first two Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account while the Offer is in effect. The Annual Fee for any subsequent years will continue to apply. Your new credit card account must be open and in good standing at the time the rebate is awarded.
footnote section details $1,760 in value is made up of:
Up to $800: Up to 120,000 bonus points (worth up to $800 in value when redeemed at participating in-store partners or towards eGift Cards).
$175: Annual Fee Waiver Offer
- Annual fee waiver of $175 for the primary cardholder
Up to $520: Five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP).
Up to $268: Mastercard Travel Pass provided by DragonPass
- Complimentary membership ($68) in Mastercard Travel Pass provided by DragonPass and four complimentary passes ($32 each) at an approximate exchange rate of $1.37 USD as of March 18, 2026 ($196 USD = $268 CAD).
footnote section section details Welcome Offer: BMO Blue Rewards World Elite Business Mastercard applications must be received between June 2, 2026 and September 6, 2026 (the “Offer Period”) to be eligible for this offer.
This offer is not available to current or former BMO Blue Rewards World Elite Business Mastercard cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice.
Earn 45,000 Bonus Points when you spend a minimum of $5,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening.
Earn an additional 30,000 Bonus Points when you spend a minimum of $18,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 180 days of account opening.
Earn a further 45,000 Bonus Points when you spend a minimum of $35,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days of account opening.
Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the bonus points to be credited to your Blue Rewards Account. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing.
When redeemed in-store at participating partners or on eGift card; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.
The primary cardholder’s annual fee of $175 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary cardholder’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. Your credit card account must be open and in Good Standing at the time the annual card fee rebate is awarded. If an additional cardholder is added to the account within the first year, the Additional Card annual fee of $50 per card will be charged at a prorated rate and will not be waived or rebated.
footnote double dagger double dagger details BMO Blue Rewards Business Mastercard applications must be received between June 2, 2026 and June 2, 2027 (the “Offer Period”) to be eligible for this offer.
Earn 30,000 Bonus Points when you spend a minimum of $3,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days from the account open date.
This offer is not available to current or former BMO Blue Rewards Business Mastercard cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice.
Please allow up to 8 weeks after the condition of the offer is fulfilled for the bonus points to be credited to your Blue Rewards Account. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Rewards earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing. When redeemed in-store at participating partners or on e-Vouchers; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.
footnote star star details BMO CashBack Business Mastercard applications must be received between September 1, 2020 and November 30, 2026 (the “Offer Period”) to be eligible for this offer. You will earn 10% cash back for each dollar you spend at qualifying gas stations, office supply stores, and on your cell phone/internet (phone) bill payments in the first 3 (three) billing cycles from the account open date (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) up to a maximum of $150 cash back (a minimum of $1,500 in eligible purchases). The 10% cash back reward includes the base earn rate of 0.75% and a bonus of 9.25% for qualifying office supply store purchases, cell phone/internet bill payments, or gas purchases (bonus of 9.50% at Shell locations in Canada). To qualify for the bonus cash back reward, your purchases must be made at “Qualifying Merchants” classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816) at merchant locations in Canada. This bonus earn would not apply to some merchants who sell similar products/services or are separate merchants who are located on the premises of such merchants but are classified in another manner. After the first three (3) billing cycles or $1,500 spent in eligible purchases (whichever comes first), you will earn 1.5% cash back for each dollar you spend at office supply stores, on your cell phone/internet (phone) bill payments and at gas stations (1.75% cash back on purchases made at Shell locations in Canada). The 10% cash back reward offer is limited to new BMO CashBack Business Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, who transfer to another account, or who open a new account during the offer period. Limit of one bonus offer per account. If you cancel your card within one hundred and twenty (120) days from the date your account is opened, all cash back rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
footnote delta details
- a. Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 0.00% provided that each balance transfer is posted to your BMO CashBack Business Mastercard account or BMO Ascend Business Mastercard account (the "Account") in the first 9 (nine) statement periods from the Account open date (“Promotional Period”) , and your Account remains in good standing. Offer is available to new customers only upon Account approval for applications submitted on or after March 14, 2023. Balances from other BMO credit card accounts are not eligible to be transferred. The promotional rate will no longer apply to your Account if you transfer into a card other than the BMO CashBack Business Mastercard account or BMO Ascend Business Mastercard account. Balance transfers apply to Canadian dollar amounts only.
- b. Balance transfers do not qualify to earn loyalty rewards such as CashBack Rewards or BMO Rewards Points. Balance transfers are treated as cash advances and the promotional interest rate applies from the date the transactions are posted to your Account until the last day of the Promotional Period. After the Promotional Period expires, any remaining balance transfer amounts will be charged interest at the standard annual interest rate for cash advances. The promotional interest rate of 0.00% does not apply to purchases, fees, cash advances and other charges posted to your Account during the Promotional Period. Standard interest rates will continue to apply to those transactions. Please refer to your monthly statement for the interest rate applicable to your Account.
- c. Each balance transfer is subject to a fee of 3% which will be charged to your account on the date the balance transfer is posted to your Account. For example, if an amount of $1,000 is transferred to your Account, you will be charged a fee of $30. You may request a balance transfer for as low as $100, as long as the transfer amount plus the fee, does not exceed the unused portion of the credit limit on your Account.
- d. If your Account has balances with different interest rates, such as purchases with a standard interest rate and balance transfers with a promotional interest rate, any payment that exceeds the minimum payment will be allocated proportionately to those balances according to the terms set out in section 14 of the BMO Mastercard Cardholder Agreement. For example, if you have an $800 purchases balance at the standard interest rate and a $200 balance transfer balance at a promotional interest rate, 80 per cent of your payment will be allocated to your purchases balance and 20 percent will be allocated to your balance transfer balance. This offer may be withdrawn or changed without notice.
- e. You will pay interest on purchases unless you pay your full Account balance by the payment due date. For example, if you complete a balance transfer for $5,000 and spend $2,000 in purchases during the same statement period, you must pay the entire balance of $7,000 before the payment due date to avoid paying interest on your purchases. You will be charged interest if you only pay the amount owing for your purchases. There is no interest-free grace period for cash advances or balance transfers.
- f. To transfer balances from non-BMO credit card accounts, register for Online Banking or log in at bmo.com and do the following; select your Mastercard account, then select Set up Balance Transfer or Pre-authorized payment, then select Credit Card Balance Transfer and follow the instructions to complete the transfer.
- g. If you have not made your minimum payment by the due date twice within a 12-month period, and it remains unpaid by the time we prepare your next statement, the following penalties will apply:
- You will not receive a promotional rate on your balance transfer, even if it was presented to you through email, letter, or online banking.
- You will lose your promotional interest rate on any balance transfers you currently hold.
In both instances outlined above, you will receive the default rate disclosed to you on the card carrier or any other terms or notices we provide to you.
footnote star details Based on competitive intelligence as of December 11, 2025. No other credit card issued by a Canadian financial institution offers bonus rewards earn, as part of their permanent product construct, in the categories of Gas/electric vehicle Charging, Grocery and Wholesale. Categories are classified by Mastercard’s “Merchant Category Code”, statement is based on merchants classified as Gas/electric vehicle Charging, Grocery & Supermarkets and Wholesale Clubs as of December 11, 2025.
footnote 1 details Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit bmo.com/yourbiz for current rates and fees; call the Customer Contact Centre at 1-844-385-5055 or visit your branch.
footnote 2 details Subject to the BMO Ascend Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Ascend World Elite Business Mastercard or BMO Ascend Business Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
footnote 3 details For BMO Ascend World Elite Business Mastercard and BMO Blue Rewards World Elite Business Mastercard credit card products: The name, language preference, and email address of the owner (and co-owner, as applicable) will be shared with Maple, so that Maple can send the owner(s) an email invitation to create their Maple account for access to 5 free virtual care visits (you can choose to connect with a doctor in minutes). Registration is optional. Maple is a Canadian virtual care provider offering access to online doctors, virtual healthcare & prescriptions in Canada. You are providing consent to share this information with Maple if your application is approved. For more information about Maple, visit: getmaple.ca/bmo-cards.
footnote 4 details Maple’s physicians, nurse practitioners, and allied healthcare professionals are Canadian licensed and practice in their respective fields right here in Canada. If a cardholder is outside of their province of residence or abroad, they can still access their visits on Maple and connect with these professionals. For an additional fee, Maple also offers access to a wide variety of specialists such as dermatologists, and endocrinologists. For additional information about the terms and conditions, visit https://www.getmaple.ca/terms/. The primary cardholder and a co-owner (if applicable) on the BMO Ascend World Elite Business Mastercard or BMO Blue Rewards World Elite Business Mastercard credit card account, will each receive an onboarding email from Maple within the first 14 days the BMO Ascend World Elite Business Mastercard or the BMO Blue Rewards World Elite Business Mastercard credit card account is opened. The primary cardholder and co-owner must register through this email invite in order to access their covered visits and are subject to the terms provided by Maple for use of its services. So long as BMO offers eligible cardholders access to this benefit, the 5 covered visits will renew every calendar year (January to December). If the BMO Ascend World Elite Business Mastercard or the BMO Blue Rewards World Elite Business Mastercard credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.
footnote 5 details Please refer to your BMO Business Mastercard Account Agreement for more information.
footnote 6 details BMO Rewards redemptions are subject to fees and charges. For details, please see the fees, charges, and pricing policy in the BMO Rewards Terms and Conditions as well as the Important Information about BMO Mastercard cards enclosure.
footnote 7 details Pay with Points is available for eligible purchases only. Cardholders can visit bmorewards.com to redeem their points to cover eligible transactions. The cardholder is required to have enough points for $1 minimum redemption. To redeem your BMO Rewards points for travel, you can book through any travel provider of your choice using your BMO credit card and then use Pay with Points for your eligible travel purchases. To be eligible for Pay with Points travel redemption, your travel purchases must be made at merchants that are classified as: airlines, car rental agencies, hotels/resorts, cruise lines, vacation packages, eligible vacation rentals, passenger railways, timeshares, travel agencies and tour operators. Please refer to the Pay with Points section of bmorewards.com for extended Terms and Conditions.
footnote 8 details Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Business Credit Card Waiver of Liability Program description, which is sent to new cardholders. Program benefits provided by BMO Bank of Montreal and administered by Assurant Services Canada Inc. Assurant Services Canada Inc., its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®dagger.
footnote 9 details Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065,
151 North Service Road
Burlington, Ontario L7R 4C2
Canada
footnote 10 details A maximum of 22 additional employee cards can be added to a primary cardholder’s account. Employee cards have an annual fee of $50 for every additional cardholder added to the account. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit bmo.com/yourbiz for current rates and fees; call the Customer Contact Centre at 1-844-385-5055, or visit your branch.
footnote 11 details Visit https://www.priceless.com/easy-savings, for a full list of Terms and Conditions.
footnote 12 details Services include new user subscriptions to Online Tax Software and Assisted Tax Preparation when filed with a Tax Expert in an H&R Block Canada ("H R B C") retail location or through H R B C's Remote Tax Expert product, when user pays with their BMO Ascend World Elite Business Mastercard. Discount does not apply to Instant Refund® tax returns, corporate or trust tax returns and U S tax returns and offer may not be combined with any other discount offer.
footnote 13 details As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off admission to Cirque du Soleil shows touring Canada. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
footnote 14 details As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off on resident shows in Las Vegas. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subject to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.
footnote 15 details Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by 10/31/27 at 11:59PM PT, to receive (i) six (6) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Activate the offer via https://www.instacart.ca/p/bmo-premium or the special offer invitation in your email or account settings. If you have an existing Instacart+ membership, your existing membership will be extended by six months and only members who have an existing annual membership that is set to auto-renew will be defaulted into the discounted annual rate at renewal. By activating this offer, you agree to the Instacart+ Terms and that after your complimentary period ends, your membership will automatically expire unless you choose to renew your membership, opt in to a discounted annual plan, or your existing Instacart+ membership is already set to auto-renew. If you decide to opt-in for auto-renewal into a paid Instacart+ membership at offer enrollment, you will be charged $79 CAD for the first year and $99 CAD/year thereafter for an annual recurring Instacart+ membership billed automatically to any payment method on file, until you cancel. Subscription prices are subject to change. This offer will replace any previously redeemed Instacart+ discounted membership offer if you opt in to auto-renewal at offer enrollment. You must pay for your Instacart+ membership using your eligible Canadian BMO Credit Card to receive the promotional rate. Membership must be activated with a Canadian address. You may cancel your paid subscription by selecting “Cancel Membership” in the “Your Instacart+ Membership” page. You will not be charged if you cancel prior to the end of your complimentary Instacart+ membership period or applicable paid membership start date. You are eligible to receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+. Benefits of Instacart+ membership include $0 delivery fees on eligible orders. Service and other fees, taxes, and/or tips may apply. This offer is non-transferable. Memberships purchased through third parties are excluded from this offer. BMO is not responsible for the provision of, or the failure to provide, Instacart+ Membership benefits and services. Your BMO Card must be open and not in default to maintain eligibility for Instacart+ membership benefits. This offer is subject to modification or termination at any time without notice. Instacart and/or certain retailers may not be available in all zip or postal codes. This offer is nontransferable. Only one account can redeem this offer per eligible BMO card (excludes purchases made using Apple Pay, PayPal and other forms of digital wallets as payment method).
$10 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $10 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on https://www.instacart.ca/p/bmo-premium through 10/31/27 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. The monthly credit is only eligible on one purchase of $50 CAD or more made on Instacart.ca using any eligible Canadian BMO Credit Card. Credit will be applied to the total purchase price for all non-alcohol products, and excludes taxes, service fees, special handling fees and/or other fees; offer cannot be applied to alcohol products. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Eligible purchase will qualify for this credit the month your Canadian BMO Credit Card is added to your Instacart account and each month thereafter. To qualify for this credit, your Canadian BMO Credit Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart and BMO reserve the right to remove any unused Instacart credits from your account. Limit 1 credit per order. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within BMO’s control. BMO is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.ca with their valid Canadian BMO Credit Card on file. Only one offer per account. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or postal codes.
footnote 16 details Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by 10/31/27 at 11:59PM PT, to receive (i) three (3) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible standard/non-premium Canadian BMO Credit Card per Instacart account. Activate the offer via https://www.instacart.ca/p/bmo-standard or the special offer invitation in your email or account settings. If you have an existing Instacart+ membership, your existing membership will be extended by three months and only members who have an existing annual membership that is set to auto-renew will be defaulted into the discounted annual rate at renewal. By activating this offer, you agree to the Instacart+ Terms and that after your complimentary period ends, your membership will automatically expire unless you choose to renew your membership, opt in to a discounted annual plan, or your existing Instacart+ membership is already set to auto-renew. If you decide to opt-in for auto-renewal into a paid Instacart+ membership at offer enrollment, you will be charged $79 CAD for the first year and $99 CAD/year thereafter for an annual recurring Instacart+ membership billed automatically to any payment method on file, until you cancel. Subscription prices are subject to change. This offer will replace any previously redeemed Instacart+ discounted membership offer if you opt in to auto-renewal at offer enrollment. You must pay for your Instacart+ membership using your eligible Canadian BMO Credit Card to receive the promotional rate. Membership must be activated with a Canadian address. You may cancel your paid subscription by selecting “Cancel Membership” in the “Your Instacart+ Membership” page. You will not be charged if you cancel prior to the end of your complimentary Instacart+ membership period or applicable paid membership start date. You are eligible to receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+. Benefits of Instacart+ membership include $0 delivery fees on eligible orders. Service and other fees, taxes, and/or tips may apply. This offer is non-transferable. Memberships purchased through third parties are excluded from this offer. BMO is not responsible for the provision of, or the failure to provide, Instacart+ Membership benefits and services. Your Canadian BMO Credit Card must be open and not in default to maintain eligibility for Instacart+ membership benefits. This offer is subject to modification or termination at any time without notice. Instacart and/or certain retailers may not be available in all zip or postal codes. This offer is nontransferable. Only one account can redeem this offer per eligible Canadian BMO Credit Card (excludes purchases made using Apple Pay, PayPal and other forms of digital wallets as payment method).
$5 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $5 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on https://www.instacart.ca/p/bmo-standard through 10/31/27 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. The monthly credit is only eligible on one purchase of $50 CAD or more made on Instacart.ca using any eligible Canadian BMO Credit Card. Credit will be applied to the total purchase price for all non-alcohol products, and excludes taxes, service fees, special handling fees and/or other fees; offer cannot be applied to alcohol products. This offer is valid for only one eligible standard/non-premium Canadian BMO Credit Card per Instacart account. Eligible purchase will qualify for this credit the month your Canadian BMO Credit Card is added to your Instacart account and each month thereafter. To qualify for this credit, your Canadian BMO Credit Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart and BMO reserve the right to remove any unused Instacart credits from your account. Limit 1 credit per order. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within BMO’s control. BMO is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.ca with their valid Canadian BMO Credit Card on file. Only one offer per account. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or postal codes.
footnote 17 details With the BMO Ascend World Elite Business Mastercard and BMO Blue Rewards World Elite Business Mastercard you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate that you will receive or access the Certificate using the following link bmo.com/sb-roadsideassistance. DAA requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.
footnote 18 details Canadian BMO credit cardholders using Eligible BMO Credit Cards who elect to pre-pay may be eligible for a discount of up to thirty percent (30%) off the lowest available discountable Time and Mileage retail rates when the applicable BMO Avis Worldwide Discount (AWD) # C516800 is entered at the time of booking and up to thirty-five percent (35%) off the lowest available discountable Time and Mileage retail rates when the applicable BMO Budget Customer Discount (BCD) # B021100 is entered at the time of booking, where offered, and subject to location, vehicle type, and availability.
Discounts are determined by Avis or Budget and may change without notice, if you have any questions regarding rates and discounts, please contact Avis or Budget directly.
BMO and Avis and Budget reserve the right to terminate the offer or change the terms at any time. This offer cannot be combined with any other discount and cannot be applied to a previous or existing reservation or rental.
Confirmed reservations made prior to termination will continue to receive applicable benefits.
Offer is non-transferable and may only be used by the eligible cardholder.
All renters are subject to Avis’ and Budget standard driver qualification procedures. All terms of Avis and Budget standard bookings and rental agreement in effect at the time and place of rental and booking will apply. At the time of the reservation, the Renter will present a BMO card as method of payment, and a valid driver’s license.
Check your auto insurance policy and/or credit card agreement for rental vehicle coverage. Other restrictions, including holiday and blackout dates, may apply. Pick-up and drop-off service are subject to geographic and other restrictions. Non-transferrable. Void where prohibited.
footnote 19 details Earn twice when you use a BMO Blue Rewards credit card and show your Blue Rewards Card at Blue Rewards Partners. The amount of Blue Points you earn depends on the earn rate offered by the Blue Rewards Partner and the earn rate offered on your BMO Blue Rewards credit card.
footnote 20 details Offer is cumulative over the statement period. Award of Points is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the Terms and Conditions of the Blue Rewards Program and the BMO Business Mastercard Cardholder Agreement. The number of Points will be rounded down to the nearest whole number. Fractions of Points will not be awarded.
footnote 21 details You will earn 4 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 4 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards points for each dollar you spend and the bonus of 2.5 BMO Rewards points for each dollar you spend in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus reward points, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply. After you reach yearly cap of $50,000 in qualifying gas, office or cell phone/internet purchases, you will earn 1.5 BMO Rewards points for each dollar you spend on these purchases and on all other eligible purchases made with the card.
footnote 22 details Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and/or its subsidiaries doing business as Allianz Global Assistance. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065,
151 North Service Road
Burlington, Ontario L7R 4C2
Canada
footnote 23 details Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO Ascend World Elite Business Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice. Use the two complimentary passes for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. To identify the primary cardholder on your account, please check the name on your monthly statement. After using two passes, you and your travelling companion can continue to enjoy lounge access for a fee of just US$32 per person, per visit. For a complete list of open and eligible lounges, please visit mastercardtravelpass.dragonpass.com.
footnote 24 details You will earn 2 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 2 BMO Rewards points includes the base earn rate of 1 BMO Rewards points for each dollar you spend and the bonus of 1 BMO Rewards points for each dollar you spend in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus reward points, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply. After you reach $50,000 in qualifying gas, office or cell phone/internet purchases, you will earn 1 BMO Rewards points for each dollar you spend on these purchases and on all other eligible purchases made with the card.
footnote 25 details Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and/or its subsidiaries doing business as Allianz Global Assistance. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065,
151 North Service Road
Burlington, Ontario L7R 4C2
Canada
footnote 26 details Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO Blue Rewards World Elite Business Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice. As a BMO Blue Rewards World Elite Business Mastercard cardholder, use the four complimentary passes per calendar year for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. To identify the primary cardholder on your account, please check the name on your monthly statement. After using four passes, you and your travelling companion can continue to enjoy lounge access for a fee of just US$32 per person, per visit. For a complete list of open and eligible lounges, please visit mastercardtravelpass.dragonpass.com.
footnote 27 details BMO Blue Rewards World Elite Business Mastercard cardholders will get 12.5 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “ten times the Points” multiplier is based on the base earn rate of 1.25 Points per $1 spent on card purchases (“Base Points”) and the bonus of 11.25 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points”). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $2,000 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The “ten times the Points” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
footnote 28 details BMO Blue Rewards World Elite Business Mastercard cardholders will earn 2.5 Blue Points for every $1 in purchases in Canada at eligible automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). Automobile and vehicle fuel purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “ten times the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit www.bmo.com/bluerewards10x. The 2.5 Blue Points includes the base earn rate of 1.25 Blue Points for every $1 spent in card purchases (“Base Points”) and the bonus of 1.25 Blue Points per $1 spent on eligible automobile and vehicle fuel purchases (“Bonus Points”). Bonus Points will be earned on eligible automobile and vehicle fuel purchases made at merchant locations in Canada up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542, MCC 5552. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the Blue Rewards Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.
footnote 29 details BMO Blue Rewards Business Mastercard cardholders will get 10 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “ten times the Points” multiplier is based on the base earn rate of 1 Point per $1 spent on card purchases (“Base Points”) and the bonus of 9 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Multiplier Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn base Points. The "ten times the Points" benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
footnote 30 details BMO Blue Rewards Business Mastercard cardholders will earn 2 Blue Points for every $1 in purchases in Canada at eligible automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). Automobile and vehicle fuel purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “ten times the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit airmiles.ca/3xmiles. The 2 Blue Points includes the base earn rate of 1 Blue Point for every $1 spent in card purchases (“Base Points”) and the bonus of 1 Blue Point per $1 spent on eligible automobile and vehicle fuel purchases (“Bonus Points”). Bonus Points will be earned on eligible automobile and vehicle fuel purchases made at merchant locations in Canada up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542, MCC 5552. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the Blue Rewards Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.
footnote 31 details You will earn 1.5% cash back on the first $1,000 you spend in each category per statement cycle for gas, office supply stores, and cell phone and internet (phone) bill payments for purchases made at merchant locations in Canada. The 1.5% CashBack rewards includes the base earn rate of 0.75% and the bonus of 0.75% for qualifying gas purchases, office supply store purchases, or cell phone/internet bill payments. Purchases made in these categories after the first $1,000 will earn at the base rate of 0.75%. All other purchases will continue to earn a 0.75% base rate of cash back rewards. To qualify for the bonus cash back rewards, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply.
footnote 32 details Cash back rewards earned are cumulative over the statement period. The awarding of cash back 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 Terms and Conditions of the BMO CashBack Business Mastercard. The number of cash back rewards will be rounded down to the nearest cent.
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