BMO Business Platinum Rewards Credit Card
Get rewarded for your everyday purchases. Your points won’t expire, and you can use them for what you really want: gift cards, cash, travel and more.
Earn up to 5x points for every $1 spent on eligible business purchases footnote 1- Your points don’t expire as long as your account is in good standing
Welcome offer:
Earn a welcome bonus of up to 100,000 rewards points in your first year! footnote 1 Earn 50,000 bonus rewards points when you spend $5,000 within 3 months of account opening, plus an additional 50,000 bonus rewards points when you spend at least $50,000 within 12 months of account opening. footnote 1
How you’ll get rewarded
Earn 5x points
For every $1 you spend on internet and phone services footnote star
Earn 4x points
For every $1 you spend on office supplies and printing footnote star
Earn 3x points
For every $1 you spend at gas stations and EV charging stations footnote star
Earn 2x points
For every $1 you spend on eligible dining purchases footnote star
Plus, earn unlimited 1x point per $1 spent on all other eligible purchases. footnote 1 footnote star Up to $750 quarterly per category, then continue earning unlimited 1x point thereafter. footnote 1
Your rates at a glance
- Annual fee
$0
- Introductory APR
0% introductory APR on purchases for 9 months from date of account opening footnote 2
- Standard APR
18.74% - 27.74%
Variable APR based on your creditworthiness.
Get even more perks with your business card
- Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®
- Enjoy discounts on Intuit QuickBooks® and TurboTax® to streamline your accounting and simplify your taxes footnote 3
- Obtain additional cards so employees can easily make purchases and earn points on behalf of your business
- Get $600 cell phone protection when you charge your monthly wireless telephone bill to your card footnote 4
How will you use your points?
Your points don’t expire as long as your account is in good standing.
Pay me back
Morning latte
Travel
Chicago – New York
Big purchases
Apple® AirPods® footnote 5
Enjoy even more benefits - explore them all
Shopping benefits
Enjoy discounts on essential tools for your business, including QuickBooks® & Online TurboTax®. Keep your finances in order, so you can focus on growing your business.
Protect your personal and financial information with services that include credit bureau notifications, card replacement assistance, ID theft education and access to Identity Theft Alerts.
You’ll get double the original manufacturer’s (or U.S. store brand) warranty for up to one year on most new items you buy with your eligible Mastercard that have an original manufacturer’s warranty of one year or less. footnote 6,7
You’ll get coverage for most items you buy with your eligible Mastercard if the item is damaged or stolen within 90 days of the purchase date. footnote 6,8
Pay the easy way and make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™.
Enjoy peace of mind with your purchases. Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.
Travel benefits
Pays for covered damages (physical damage and theft) to a rental vehicle when you pay for the rental with your Mastercard and you decline the optional collision/damage coverage offered by the rental company. footnote 6
Get answers to your card-related questions anytime, anywhere. Call 1-800-Mastercard or 1-800-627-8372. Mastercard Global Service can help you report a lost or stolen card, get an emergency card replacement or cash advance, find an ATM location and more.
Additional benefits
Get exclusive offers and experiences in the cities where you live and travel, including invitations and experiences in dining, shopping, sports, travel, arts, culture and more!
You can’t buy these offers, but you can enjoy them as a Mastercard holder – that’s why they’re Priceless.
Save 1% to 25% when you shop at qualifying merchants. Use your card for eligible purchases and get automatic rebates at over 40,000 participating locations, including gas, hotels, rental cars, restaurants, office supplies and other business services.
Business Rewards Credit Card FAQs
To learn more about the rewards program and browse the full catalog, just visit the BMO Flex Rewards site.
If you’d like to cash in on your points, visit the BMO Flex Rewards site, sign in to your account and select the item you’d like to purchase with your rewards points.
We offer an easy-to-use digital tool that allows you to make credit card payments, download statements and manage alerts, all in one place.
Already have a Business Platinum Rewards credit card? You can register for online access now.
To enroll in the Auto Pay option, complete and sign the Enrollment form, then return it by mail or to your local BMO branch.
We’ve got all your banking needs covered
Loans and lines of credit to grow your business
We offer low rates and flexible lending options so you can get the funding you need to take your business to the next level.
Pair it with a personal credit card
Our personal credit cards come with great benefits and rewards, and help you keep your finances separate.
Take the next step toward better business banking
Let us contact you
We’ll reach out via phone or email, whichever you prefer.
Call us
Give us a call to apply for a credit card or ask questions:
Visit us
Meet with a BMO Banker to talk about how we can help your business.
Footnote 1 details Participation in BMO Flex Rewards is subject to terms and conditions found in the BMO Flex Rewards Program Rules, available at www.bmo.com/businessplatinumrewardsrules. The Account must be current and in good standing to accrue and redeem points. While points don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points. All accrued points not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. Point values are subject to change at any time. Introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three-month period. Information regarding rates and offers is subject to change. For the most up-to-date offers available, please visit www.bmo.com/businesscard
Footnote 2 details 0% introductory APR on Purchases valid for the first nine (9) months from account opening date. Please refer to the Summary of Credit Terms for important information about rates and fees.
Footnote 3 details See offer terms and conditions at intuit.me/quickbooks_mc. Intuit, QuickBooks and TurboTax are registered trademarks of Intuit Inc. Terms and conditions, features, support, pricing, and service options subject to change without notice. TurboTax Terms of Service can be found at https://turbotax.intuit.com/corp/terms-of-service.jsp and TurboTax Product Guarantees and other important information are located at https://turbotax.intuit.com/lp/yoy/guarantees.jsp.
Footnote 4 details Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim, and is subject to a $50 co-pay per claim. $1,000 maximum claim benefit per 12 months. Refer to the Mastercard Guide to Benefits for more information.
Footnote 5 details Apple is a trademark of Apple Inc., registered in the U.S. and/or other countries.
Footnote 6 details Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
Footnote 7 details Doubles the original manufacturer’s (or U.S. store brand) warranty for up to one year on most new items purchased with your eligible Mastercard card that have an original manufacturer’s warranty of one year or less. Refer to the Mastercard Guide to Benefits for more information.
Footnote 8 details Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase. Refer to the Mastercard Guide to Benefits for more information.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.
Mastercard, Mastercard Easy Savings, MasterRental, Priceless Cities, Mastercard ID Theft Protection, and the circles design are registered trademarks, and Mastercard Global Service and the Mastercard Brand Mark are trademarks of Mastercard International Incorporated. Refer to the Mastercard Guide to Benefits for more information.