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

BMO AIR MILES No-Fee Business Mastercard
  • Welcome Offer: Get up to 1,000 Bonus Miles1
  • Earn 1 AIR MILES Reward Mile on every $20 you spend2
  • Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations5
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $0
    Annual fee3

BMO® AIR MILES®† Business® Mastercard®*

BMO AIR MILES Business Mastercard
  • Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year7.
  • Earn 1 AIR MILES Reward Mile on every $10 you spend8
  • Plus – earn 1.25X the Miles when you use your card at participating Shell stations9
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $120
    Annual fee3

Calculate your AIR MILES Reward Miles

How many Miles can I earn in a year?

How much do you think you’ll spend per month on your card?
Use of Reward Miles calculator is for illustrative purposes only. Values displayed valid as of January 15, 2019

Points Summary

BMO® AIR MILES®† No-Fee Business® Mastercard®*
500
total Miles annually
Welcome Offer: Get up to 1,000 Bonus Miles1.
Regular earn: Earn 1 AIR MILES Reward Mile on every $20 in purchases2.
BMO® AIR MILES®† Business® Mastercard®*
1,000
total Miles annually
Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles7

Regular earn: Earn 1 AIR MILES Reward Mile on every $10 in credit card purchases8

Features & Benefits

  • Acceptance
    Now you can use your BMO Mastercard at Costco locations across Canada
  • The simpler way to pay™*
    BMO Business Mastercard featuring tap & go®* that lets you to pay for purchases without having to swipe or insert your card. When you use Mastercard with the contactless feature, in most cases a PIN or signature isn't required. Plus, it's safe and secure because your card never leaves your hand.
  • Protection
    Our Liability Waiver Program protects your business against employee card abuse10.
    Plus, enjoy Extended Warranty and Purchase Protection6
  • Travel Protection
    (BMO® AIR MILES®† Business® Mastercard®* only)
    Simply use your BMO AIR MILES Business Mastercard to pay for your travel arrangements and you are eligible to benefit from the following insurance benefits.
  • Extra Benefits
    • 25 payment grace days4
    • Optional Employee Cards - empower employees with delegated purchasing authority3
  • Zero Liability
    You will not be liable for most cases of unauthorized purchases made in person, over the phone or online. View details
  • Your security. Our priority.
    BMO Business Mastercard is now more secure than ever thanks to chip technology. The card contains an embedded microchip, which is encrypted and extremely difficult to counterfeit. With chip, you enter your PIN to complete your purchases, similar to what you do for debit transactions.
  • Cash Advances
    Get cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide.
  • Worldwide Acceptance
    BMO Business Mastercard credit cards are accepted at nearly 30 million locations worldwide.
  • Help Around the World
    Wherever you travel worldwide, you can always count on Mastercard Global Service®* for any card-related need. Call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with:
    • Lost or stolen cards
    • Emergency replacement cards
    • Emergency cash advances
    • Locate an ATM that accepts Mastercard, Maestro®*, and Cirrus®* brands
    • Access account-related information
    • Access any applicable card benefits
Other BMO Small Business Credit Cards
BMO® Rewards® Business Mastercard®*
Other BMO Personal Credit Cards
BMO® AIR MILES®† World Elite®* Mastercard®*

Cardholder Agreement

A detailed explanation of your rights and responsibilities as a BMO Business Mastercard cardholder.
Download PDF for full details

Terms and Conditions

This guide outlines in detail the terms and conditions governing the AIR MILES Reward Program.
Terms and Conditions

Dual AIR MILES Terms and Conditions

  1. Up to 1,000 AIR MILES Bonus Miles offer is limited to new BMO AIR MILES No Fee Business Mastercard accounts. Applications must be received between January 15, 2019 and October 31, 2019 (the “Offer Period”). 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 500 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. 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 reward miles will be cancelled. This offer may be changed, extended or withdrawn at any time 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. BMO AIR MILES Business Mastercard ('Credit Card') applications must be received between April 1, 2019 and October 31, 2019 (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: Get 1,000 Bonus Miles after your first purchase using your Credit Card. Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within forty-five (45) days of 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 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.
  8. 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.
  9. 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.
  10. 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.
  • *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.
  • 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.