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Explore BMO® Business MasterCard®* Credit Cards

BMO Rewards® Business Mastercard®*

BMO Rewards Business Mastercard
Welcome Offer: Get 35,000 points after you spend $5,000 in the first 3 months. Plus we’ll waive the annual fee for the first year1.
Enjoy premium card benefits with the lowest interest rate on our business cards.
  • 14.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $120
    Annual fee3
Benefits
  • Earn 3 BMO Rewards points for every $1 spent on eligible gas, office supplies and cell phone and internet billings2,4
  • Earn 1.5 BMO Rewards points for every $1 spent4

BMO® AIR MILES®† Business® Mastercard®*

BMO AIR MILES Business Mastercard
Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles. Plus we’ll waive the annual fee for the first year1.
Get Miles and fly sooner with our highest earn rate.
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $120
    Annual fee3
Benefits
  • Get 1.25X the Reward Miles for every $10 spent at Shell®‡‡5
  • Get 1 Mile for every $10 spent2

BMO CashBack® Business Mastercard®*

BMO CashBack Business Mastercard
Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months1.
Get cash back for all the spend on your card.
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $0
    Annual fee3
Benefits
  • Get 1.75% cash back on card purchases at Shell®‡‡ gas stations4
  • Get 1.5% cash back on purchases on eligible gas, office supplies and cell phone and internet billings2
  • Get 0.75% cash back on purchases4

BMO® AIR MILES®† No-Fee Business® Mastercard®*

BMO AIR MILES No-Fee Business Mastercard
Welcome Offer: Get 500 AIR MILES Bonus Miles after your first purchase1.
Turn your day-to-day business spending into Miles you can use.
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $0
    Annual fee3
Benefits
  • Get 1.25X the Reward Miles for every $20 spent at Shell®‡‡5
  • Get 1 Mile for every $20 spent2

BMO AIR MILES Business Mastercard Terms & Conditions

  1. BMO AIR MILES Business Mastercard applications must be received between February 5, 2018 and October 31, 2018 (the “Offer Period”) to be eligible for the following Bonus Miles and Annual Fee Waiver (“Offer”):

    AIR MILES Bonus Miles Offer: Get 1,000 Bonus Miles after your first BMO AIR MILES Business Mastercard purchase. Receive an additional 2,000 Bonus Miles when you spend a minimum of $5,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) on purchases using the Credit Card within the first three (3) months from the Credit Card account open date. The additional Bonus Miles will be credited to your AIR MILES Collector Account within sixty (60) business days following the qualifying $5,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting.

    Annual Fee Waiver Offer: The annual fee of $120 for the primary owner’s card will be waived for the first year. 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. 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.

    All Offers are subject to change or be withdrawn without notice. Limit of one of each Offer per Collector Number. Existing BMO AIR MILES Business Mastercard customers who cancel their card during the “Offer Period” and existing BMO Mastercard customers who transfer into this Credit Card product during the “Offer Period” are not eligible for the Offers. If the Credit Card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled.
  2. Offer is cumulative over the statement period. Award of Miles 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 AIR MILES Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
  3. 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.
  4. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  5. Offer 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 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.
  6. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  7. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Mastercard Liability Waiver Program description, which is sent to new cardholders. Program benefits provided by Royal & Sun Alliance Insurance Company of Canada.
  • TM/® Trademarks of Bank of Montreal.
  • TM*/®* Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Used under license.
  • ®†/TM† Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
  • ®‡‡ Registered trademark of Shell Canada Limited. Used under license by Shell Canada. Used with permission by Bank of Montreal.

BMO AIR MILES No-Fee Business Mastercard Terms & Conditions

  1. BMO AIR MILES No-Fee Business Mastercard applications must be received between February 5, 2018 and October 31, 2018 (the “Offer Period”) to be eligible for this offer. 500 AIR MILES Bonus Miles offer is limited to new BMO AIR MILES No-Fee Business Mastercard accounts. You must make a first card purchase with your BMO AIR MILES No-Fee Business Mastercard in order to receive the one time 500 Bonus AIR MILES Reward Miles. The Bonus Miles will be applied to your AIR MILES Collector Account within forty-five (45) days after your first card purchase. Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. Existing BMO AIR MILES Business Mastercard customers who cancel their card during the Offer Period and existing BMO Business Mastercard customers who transfer into this product during the Offer Period are not eligible. Limit of one (1) offer per Collector Number. Your credit card account must be in good standing when the Bonus Miles are awarded. If you cancel your card within thirty (30) days from the date your account is opened, all Miles earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
  2. Offer is cumulative over the statement period. Award of Miles 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 AIR MILES Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
  3. 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.
  4. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  5. Offer 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 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.
  6. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  7. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Mastercard Liability Waiver Program description, which is sent to new cardholders. Program benefits provided by Royal & Sun Alliance Insurance Company of Canada.
  • TM/® Trademarks of Bank of Montreal.
  • TM*/®* Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Used under license.
  • ®†/TM† Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
  • ®‡‡ Registered trademark of Shell Canada Limited. Used under license by Shell Canada. Used with permission by Bank of Montreal.

BMO CashBack Business Mastercard Terms & Conditions

  1. BMO CashBack Business Mastercard applications must be received between February 5, 2018 and October 31, 2018 (the “Offer Period”) to be eligible for this offer. You will earn 6% CashBack rewards for each dollar you spend at qualifying gas stations, office supply stores, and on your cell phone/internet (phone) bill payments in the first 4 (four) 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 $125 cash back (a minimum of $2,085 in eligible purchases). The 6% CashBack rewards includes the base earn rate of 0.75% and a bonus of 5.25% for purchases in qualifying office supply stores, cell phone/internet purchases or gas (bonus of 5.50% at Shell locations in Canada). To qualify for the bonus CashBack rewards, 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: 4812, 4814 & 4816) and Cellphone/Internet billings (Merchant Codes: 5111 & 5943). 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 four (4) billing cycles or $2,085 spent in eligible purchases (whichever comes first), you will earn 1.5% CashBack rewards for each dollar you spend at office supply stores, on your cell phone/internet (phone) bill payments and at gas stations (1.75% CashBack rewards for purchases made at Shell locations in Canada). The 6% CashBack rewards 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 transfers 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 CashBack rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
  2. You will earn 1.5% CashBack rewards for each dollar you spend at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 1.5% CashBack rewards includes the base earn rate of 0.75% and the bonus of 0.75% for purchases in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus CashBack 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: 4812, 4814 & 4816) and Cellphone/Internet billings (Merchant Codes: 5111 & 5943). 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.
  3. 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.
  4. CashBack rewards earned 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 BMO CashBack Rewards Terms and Conditions for the BMO Business CashBack Mastercard. The number of CashBack rewards will be rounded down to the nearest cent.
  5. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  6. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  7. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Mastercard Liability Waiver Program description, which is sent to new cardholders. Program benefits provided by Royal & Sun Alliance Insurance Company of Canada.
  • TM/® Trademarks of Bank of Montreal.
  • ™*/®* Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Used under license.

BMO Rewards Business Mastercard Terms & Conditions

  1. BMO Rewards Business Mastercard applications must be received between February 5, 2018 and October 31, 2018 (the “Offer Period”) to be eligible for this offer. The 35,000 BMO Rewards welcome bonus points offer and the annual fee waiver in the first year is limited to new BMO Rewards Business Mastercard accounts. You will earn 35,000 BMO Rewards points when you spend $5,000 in eligible card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) statement periods from the account open date. 35,000 BMO Rewards points will be applied to your BMO Rewards Collector Account on the statement following the eligible $5,000 spend. The annual fee of $120 for the primary owner’s card will be waived for the first year. 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. 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. This offer is not available to current or former BMO Rewards Business Mastercard cardholders who reinstate a closed account or open a new account during the “Offer Period”. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  2. You will earn 3 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 3 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards point for each dollar you spend and the bonus of 1.5 BMO Rewards points for each dollar you spend in qualifying gas, office supply stores 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: 4812, 4814 & 4816) and Cellphone/Internet billings (Merchant Codes: 5111 & 5943). 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 supply stores or cell phone/ internet purchases, you will earn 1.5 BMO Rewards point for each dollar you spend on these purchases and on all other eligible purchases made with the card.
  3. 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.
  4. Subject to the BMO Rewards Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Rewards 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 nonqualifying transactions from time to time.
  5. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  6. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Business MasterCard Travel Protection Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  7. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Mastercard Liability Waiver Program description, which is sent to new cardholders. Program benefits provided by Royal & Sun Alliance Insurance Company of Canada.
  • TM/® Trademarks of Bank of Montreal.
  • ™*/®* Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Used under license.