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Explore BMO® Business Credit Cards

BMO Rewards Business Mastercard®*

BMO Rewards Business Mastercard
Welcome offer: Get 50,000 points and the $120 annual fee waived in the first year.1 That’s a total value of $470!1b
Enjoy premium card benefits with the lowest interest rate on our business cards.
Apply now for a BMO Rewards Business Mastercard
  • 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 3,000 AIR MILES Bonus Miles and we'll waive the $120 annual fee for the first year.1
Get miles and fly sooner with our highest earn rate.
Apply now for a BMO AIR MILES Business Mastercard
  • 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
  • Get 5x the Miles at Shell until December 31, 2020.* Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.*

BMO CashBack® Business Mastercard®*

BMO CashBack Business Mastercard
Welcome Offer: Get 10% cash back on gas, office supplies, and cell phone/internet bills for 3 months.1
Get cash back for all the spend on your card.
Apply now for a BMO CashBack Business Mastercard
  • 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 1,150 AIR MILES Bonus Miles - that’s enough for $120 towards your purchases with AIR MILES Cash!*
Turn your day-to-day business spending into Miles you can use.
Apply now for a BMO AIR MILES No-Fee Business Mastercard
  • 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
  • Get 5x the Miles at Shell until December 31, 2020.* Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.*

BMO AIR MILES Business Mastercard Terms & Conditions

  1. BMO AIR MILES Business Mastercard ('Credit Card') applications must be received between September 1, 2020 and October 31, 2021 (the 'Offer Period') to be eligible for the following Bonus Miles and Annual Fee Waiver offers (each an 'Offer' and collectively the 'Offers'):
    AIR MILES Bonus Miles Offer: Receive 3,000 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 Bonus Miles will be credited to the primary Credit Cardholder's 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. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Offer per Collector Number.
    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.
    These offers are subject to change or can be withdrawn without notice. 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 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.
  • * Offer valid for transactions made between July 13, 2020 through December 31, 2020 (“Offer Period”) when you use your valid BMO AIR MILES Mastercard to make an Eligible Purchase at participating Shell locations. You must also enter your AIR MILES Collector Number at the time of transaction. The AIR MILES Collector Number provided at the time of transaction and the AIR MILES Collector Number associated with the BMO AIR MILES credit card must be the same Collector Number.
    • This 5X top up offer (“Top Up Offer”) applies to the base AIR MILES Reward Miles collected from Shell during the Offer Period. Base Miles are awarded by Shell for the following purchases in a single transaction (“Eligible Purchases”):

      • 1 AIR MILES Reward Mile for every 20L of Shell Bronze, Shell Silver or Shell Diesel fuel; or

      • 1 AIR MILES Reward Mile for every 10L of Shell V-Power® Premium fuels; or

      • 1 AIR MILES Reward Mile for every $5 spent at a Shell convenience store (“Convenience Store Transactions”), which exclude tobacco products, lottery tickets (instant and scratch), Shell gift cards, partner/third-party gift cards, prepaid credit cards, phone cards, and any other goods or services specified from time to time or as excluded by law.

    • The Top Up Offer will be calculated based on the total Eligible Purchase transactions that earn base Miles from Shell during the Offer Period. The total Miles awarded in connection with the Top Up Offer will be a combination of base Miles awarded by Shell, base Miles awarded by BMO, including any accelerator offer Miles as applicable, and Top Up Offer Miles that in sum will equal 5X the base Miles awarded by Shell. A maximum of 2,500 Top Up Miles may be awarded per cardholder during the Offer Period for Eligible Purchases of Convenience Store Transactions.

    • As an illustrative example of how you’ll earn 5X the Shell base Miles as part of this Top Up Offer: A customer purchases 40L of Shell Bronze fuel at $1.00 per liter and pays using a BMO AIR MILES World Elite Mastercard, at a total cost of $40.00. The customer gets two (2) base Miles awarded by Shell (based on earn rate of 1 Mile per 20L of fuel in a single transaction). By paying for this transaction with a BMO AIR MILES World Elite Mastercard, in addition to the two (2) base Miles for this transaction, the customer gets four (4) base Miles awarded by BMO (based on a earn rate of 1 Mile for every $10 spent by customer in a Statement cycle period) and four (4) Top Up Offer Miles, bringing the total Miles collected to 10 AIR MILES Reward Miles, which is 5X the two (2) base Miles awarded by Shell.

    • AIR MILES Reward Miles earned in connection with this Top Up Offer will appear in your AIR MILES Collector Account, under a combination of base Miles awarded by Shell, base Miles awarded by BMO, including any accelerator offer Miles as applicable, and Top Up Offer Miles. The Top Up Offer Miles may post earlier than the base Miles awarded by BMO.

    • AIR MILES Reward Miles earned in connection with purchases on your BMO AIR MILES Mastercard will be calculated for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and awarded once per Statement period and are not awarded if your account is closed or not in good standing. No cash surrender value. The number of Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded.

    • BMO AIR MILES World Mastercard and BMO AIR MILES Small Business credit cards are subject to a monthly cap as provided in the corresponding terms and conditions and will be ineligible to earn Miles for this offer once their monthly cap has been reached.

    • BMO AIR MILES Commercial Mastercard credit cards are excluded from this offer.

    • Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement and the AIR MILES Reward Program, is subject to change and may be withdrawn without notice.
  • 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 August 17, 2020 and December 16, 2020 (the “Offer Period”). Up to 1,150 AIR MILES Bonus Miles offer is limited to new BMO AIR MILES No Fee Business Mastercard accounts. Existing BMO AIR MILES No Fee 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. 500 Bonus Miles will be applied to your AIR MILES Collector Account within forty-five (45) days after your first card purchase. Additional 650 Bonus Miles will be awarded when you spend $2,500 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the account open date and will be applied to your Collector Account within forty-five (45) days after qualifying. The first 1000 Bonus Miles will appear on your BMO credit card statement and the remaining 150 Bonus Miles will appear on your AIR MILES Collector statement. All 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. Limit of one Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice.
    * Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating Reward Partners. Standard daily Cash Miles usage limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca
  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.
  • * Offer valid for transactions made between July 13, 2020 through December 31, 2020 (“Offer Period”) when you use your valid BMO AIR MILES Mastercard to make an Eligible Purchase at participating Shell locations. You must also enter your AIR MILES Collector Number at the time of transaction. The AIR MILES Collector Number provided at the time of transaction and the AIR MILES Collector Number associated with the BMO AIR MILES credit card must be the same Collector Number.
    • This 5X top up offer (“Top Up Offer”) applies to the base AIR MILES Reward Miles collected from Shell during the Offer Period. Base Miles are awarded by Shell for the following purchases in a single transaction (“Eligible Purchases”):

      • 1 AIR MILES Reward Mile for every 20L of Shell Bronze, Shell Silver or Shell Diesel fuel; or

      • 1 AIR MILES Reward Mile for every 10L of Shell V-Power® Premium fuels; or

      • 1 AIR MILES Reward Mile for every $5 spent at a Shell convenience store (“Convenience Store Transactions”), which exclude tobacco products, lottery tickets (instant and scratch), Shell gift cards, partner/third-party gift cards, prepaid credit cards, phone cards, and any other goods or services specified from time to time or as excluded by law.

    • The Top Up Offer will be calculated based on the total Eligible Purchase transactions that earn base Miles from Shell during the Offer Period. The total Miles awarded in connection with the Top Up Offer will be a combination of base Miles awarded by Shell, base Miles awarded by BMO, including any accelerator offer Miles as applicable, and Top Up Offer Miles that in sum will equal 5X the base Miles awarded by Shell. A maximum of 2,500 Top Up Miles may be awarded per cardholder during the Offer Period for Eligible Purchases of Convenience Store Transactions.

    • As an illustrative example of how you’ll earn 5X the Shell base Miles as part of this Top Up Offer: A customer purchases 40L of Shell Bronze fuel at $1.00 per liter and pays using a BMO AIR MILES World Elite Mastercard, at a total cost of $40.00. The customer gets two (2) base Miles awarded by Shell (based on earn rate of 1 Mile per 20L of fuel in a single transaction). By paying for this transaction with a BMO AIR MILES World Elite Mastercard, in addition to the two (2) base Miles for this transaction, the customer gets four (4) base Miles awarded by BMO (based on a earn rate of 1 Mile for every $10 spent by customer in a Statement cycle period) and four (4) Top Up Offer Miles, bringing the total Miles collected to 10 AIR MILES Reward Miles, which is 5X the two (2) base Miles awarded by Shell.

    • AIR MILES Reward Miles earned in connection with this Top Up Offer will appear in your AIR MILES Collector Account, under a combination of base Miles awarded by Shell, base Miles awarded by BMO, including any accelerator offer Miles as applicable, and Top Up Offer Miles. The Top Up Offer Miles may post earlier than the base Miles awarded by BMO.

    • AIR MILES Reward Miles earned in connection with purchases on your BMO AIR MILES Mastercard will be calculated for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and awarded once per Statement period and are not awarded if your account is closed or not in good standing. No cash surrender value. The number of Reward Miles will be rounded down to the nearest whole number. Fractions of Reward Miles will not be awarded.

    • BMO AIR MILES World Mastercard and BMO AIR MILES Small Business credit cards are subject to a monthly cap as provided in the corresponding terms and conditions and will be ineligible to earn Miles for this offer once their monthly cap has been reached.

    • BMO AIR MILES Commercial Mastercard credit cards are excluded from this offer.

    • Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement and the AIR MILES Reward Program, is subject to change and may be withdrawn without notice.
  • 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 September 1, 2020 and October 31, 2021 (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). 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.
  2. You will earn 1.5% cash back for each dollar you spend at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 1.5% cash back reward 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. 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.
  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. 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.
  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.
  8. a) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% 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.
    b) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected 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.
  • 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. a) BMO Rewards Business Mastercard applications must be received between July 10, 2020 and October 31, 2021 (the “Offer Period”) to be eligible for this offer. The 50,000 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 50,000 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. 50,000 BMO Rewards points will be applied to your BMO Rewards Collector Account with three (3) business days following the eligible $5,000 spend. The primary cardholder annual fee of $120 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. 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.
    b) 50,000 points are not redeemable for cash and can be redeemed for a ticket for a short haul flight in economy class with a minimum ticket price of $357 at bmorewards.com. You can redeem for travel rewards at bmorewards.com or by calling the BMO Rewards Centre. Points can be used to cover any applicable taxes and fees. If you don't have enough points to redeem a particular travel reward, you can top up the number of points you need by purchasing those points on your card. There is no maximum top up amount for travel rewards. There is no online booking fee. We charge fees plus applicable taxes for each phone reservation, modification or cancellation of a travel reservation. For fees, please see the Important Information enclosure that is provided with your BMO credit card and any notice that we may provide you. Supplier fees for each change or cancellation to your travel arrangements may also apply and will be disclosed at the time of booking based on your specific travel reservation. Booking fees, change fees and cancellation fees are non-refundable. All travel rewards are subject to availability. Additional points or cash can be used to pay for all or a portion of the flight taxes and fees or a higher value flight.
  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: 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 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.
  8. a) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% 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.
    b) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected 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.
  • 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.