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BMO® AIR MILES®† Business Mastercard®*

BMO AIR MILES Business Mastercard

Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles plus a Companion Flight rebate and we'll waive the $120 annual fee for the first year1.

Earn 1 AIR MILES Reward Mile on every $10 in credit card purchases2
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $120
    Annual fee3
Our range of business credit cards were developed with your spending needs and habits in mind, to keep your business costs low and your rewards high.
  • 1.25X the Miles when you use your card at Shell5.
  • 1 AIR MILES Reward Mile on every $10 you spend2.
  • Optional Employee Cards - empower employees with delegated purchasing authority3

Travel Protection:

  • 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.
  • Collision Damage Waiver
  • Car Rental Personal Effects & Business Property
  • Car Rental Accidental Death & Dismemberment
  • Baggage & Personal Effects
  • Baggage Delay
  • Trip Cancellation
  • Trip Interruption/Trip Delay
  • Flight Delay
  • Common Carrier Insurance6
  • Mastercard Easy Savings - automatic rebates on qualified purchases at participating merchants

Acceptance:

Now you can use your BMO Business Mastercard at Costco locations across Canada

Protection:

Packed with included features, your BMO Business Mastercard will keep you on the move and protected wherever you are.

Online Account Access

Access your account information from wherever you log on.

Worldwide Acceptance

BMO Business Mastercard credit cards are accepted at nearly 30 million locations worldwide.

Cash Advances

Get cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide.

Zero Liability

You will not be liable for most cases of unauthorized purchases made in person, over the phone or online. View details

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

Convenient Bill Payment Options

Pay your BMO Business Mastercard bill by Pre-Authorized Payment, at any BMO ATM, by mail, phone, online or at any BMO Bank of Montreal branch.

Toll-free Customer Service

Call 1-844-385-5055 toll-free for customer service in English, French, Cantonese or Mandarin or TTY: 1-866-859-2089.

Your security. Our priority.

BMO Business Mastercard cards are 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.

The simpler way to pay™*

BMO Business Mastercard cards features Mastercard contactless 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.

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 AIR MILES calculator is for illustrative purposes only. Values displayed valid as of October 2, 2018.

Your results

1,000

Total Miles in your first year

Get up to 3,000 AIR MILES Bonus Miles.1
Here’s what you can do with your Dream Miles.
  • Toronto to Thunder Bay

    Toronto to Thunder Bay

    1,200 Miles
  • Vancouver to Kelowna

    Vancouver to Kelowna

    1,200 Miles
  • Calgary to Fort McMurray

    Calgary to Fort McMurray

    1,200 Miles
  • St. John's to Halifax

    St. John's to Halifax

    1,200 Miles
  • Montreal to Toronto

    Montreal to Toronto

    1,300 Miles
  • Calgary to Vancouver

    Calgary to Vancouver

    1,300 Miles
  • Toronto to New York

    Toronto to New York

    1,300 Miles
  • Vancouver to Seattle

    Vancouver to Seattle

    1,300 Miles
  • Calgary to Winnipeg

    Calgary to Winnipeg

    1,700 Miles
  • Ottawa to Halifax

    Ottawa to Halifax

    1,700 Miles
  • Saskatoon to Vancouver

    Saskatoon to Vancouver

    1,700 Miles
  • Regina to Seattle

    Regina to Seattle

    1,700 Miles
  • Vancouver to Los Angeles

    Vancouver to Los Angeles

    1,900 Miles
  • Victoria to San Francisco

    Victoria to San Francisco

    1,900 Miles
  • Vancouver to Las Vegas

    Vancouver to Las Vegas

    1,900 Miles
  • Calgary to Phoenix

    Calgary to Phoenix

    2,700 Miles
  • Winnipeg to Seattle

    Winnipeg to Seattle

    2,700 Miles
  • Montreal to Saskatoon

    Montreal to Saskatoon

    2,800 Miles
  • Toronto to Orlando

    Toronto to Orlando

    2,800 Miles
  • Toronto to Calgary

    Toronto to Calgary

    2,900 Miles
  • Regina to Las Vegas

    Regina to Las Vegas

    2,900 Miles
  • Montreal to Miami

    Montreal to Miami

    2,900 Miles
  • Halifax to Fort Lauderdale

    Halifax to Fort Lauderdale

    3,100 Miles
  • Montreal to Calgary

    Montreal to Calgary

    3,500 Miles
  • Winnipeg to Las Vegas

    Winnipeg to Las Vegas

    3,500 Miles
  • Edmonton to Montreal

    Edmonton to Montreal

    3,500 Miles
  • Vancouver to Toronto

    Vancouver to Toronto

    3,600 Miles
  • Edmonton to New York

    Edmonton to New York

    3,900 Miles
  • Calgary to Chicago

    Calgary to Chicago

    3,900 Miles
  • Toronto to Seattle

    Toronto to Seattle

    3,900 Miles
  • Ottawa to Yellowknife

    Ottawa to Yellowknife

    4,000 Miles
  • Toronto to Los Angeles

    Toronto to Los Angeles

    4,300 Miles
  • Ottawa to Las Vegas

    Ottawa to Las Vegas

    4,300 Miles
  • Montreal to Yellowknife

    Montreal to Yellowknife

    4,300 Miles
  • Vancouver to New York

    Vancouver to New York

    4,700 Miles
  • Montreal to San Francisco

    Montreal to San Francisco

    4,800 Miles
  • Montreal to Seattle

    Montreal to Seattle

    4,800 Miles
  • Quebec City to Las Vegas

    Quebec City to Las Vegas

    4,800 Miles
  • Calgary to Orlando

    Calgary to Orlando

    5,000 Miles
  • Halifax to Las Vegas

    Halifax to Las Vegas

    5,200 Miles
  • St. John's to Los Angeles

    St. John's to Los Angeles

    5,200 Miles
  • Yellowknife to Halifax

    Yellowknife to Halifax

    5,200 Miles
  • Charlottetown to Los Angeles

    Charlottetown to Los Angeles

    5,200 Miles
  • Halifax to Seattle

    Halifax to Seattle

    5,400 Miles
  • St. John's to Seattle

    St. John's to Seattle

    5,400 Miles
  • Victoria to Orlando

    Victoria to Orlando

    5,500 Miles
  • Vancouver to Miami

    Vancouver to Miami

    5,500 Miles
  • Vancouver to Fort Lauderdale

    Vancouver to Fort Lauderdale

    5,500 Miles
  • Kelowna to Fort Lauderdale

    Kelowna to Fort Lauderdale

    5,500 Miles
  • Vancouver to Honolulu

    Vancouver to Honolulu

    5,800 Miles
  • Vancouver to Maui

    Vancouver to Maui

    5,800 Miles
  • Calgary to Maui

    Calgary to Maui

    6,300 Miles
  • Regina to Honolulu

    Regina to Honolulu

    7,200 Miles
  • Saskatoon to Maui

    Saskatoon to Maui

    7,200 Miles
  • Winnipeg to Honolulu

    Winnipeg to Honolulu

    7,400 Miles
  • Whitehorse to New York

    Whitehorse to New York

    7,500 Miles
  • Yellowknife to Maui

    Yellowknife to Maui

    7,600 Miles
  • Toronto to Honolulu

    Toronto to Honolulu

    7,900 Miles
  • Thunder Bay to Honolulu

    Thunder Bay to Honolulu

    7,900 Miles
  • Toronto to Kona

    Toronto to Kona

    7,900 Miles
  • Montreal to Honolulu

    Montreal to Honolulu

    8,500 Miles
  • Montreal to Maui

    Montreal to Maui

    8,500 Miles
  • Quebec City to Maui

    Quebec City to Maui

    8,500 Miles
  • Whitehorse to Orlando

    Whitehorse to Orlando

    8,600 Miles
  • Yellowknife to Orlando

    Yellowknife to Orlando

    8,600 Miles
  • Halifax to Honolulu

    Halifax to Honolulu

    9,700 Miles
  • Halifax to Maui

    Halifax to Maui

    9,700 Miles
  • Calgary to Amsterdam

    Calgary to Amsterdam

    7,500 Miles
  • Vancouver to Shanghai

    Vancouver to Shanghai

    7,800 Miles
  • Vancouver to Rome

    Vancouver to Rome

    7,900 Miles
  • Victoria to Franfurt

    Victoria to Franfurt

    7,900 Miles
  • Calgary to Tokyo

    Calgary to Tokyo

    8,000 Miles
  • Yellowknife to Oslo

    Yellowknife to Oslo

    8,200 Miles
  • Vancouver to Istanbul

    Vancouver to Istanbul

    8,400 Miles
  • Regina to Beijing

    Regina to Beijing

    8,400 Miles
  • St. John's to Dubai

    St. John's to Dubai

    8,400 Miles
  • Saskatoon to Delhi

    Saskatoon to Delhi

    8,400 Miles
  • Quebec City to Honolulu

    Quebec City to Honolulu

    8,500 Miles
  • Montreal to Dubai

    Montreal to Dubai

    8,900 Miles
  • Winnipeg to Hong Kong

    Winnipeg to Hong Kong

    8,900 Miles
  • Montreal to Tel Aviv

    Montreal to Tel Aviv

    8,900 Miles
  • Winnipeg to Beijing

    Winnipeg to Beijing

    8,900 Miles
  • Toronto to Dubai

    Toronto to Dubai

    9,300 Miles
  • Ottawa to Seoul

    Ottawa to Seoul

    9,300 Miles
  • Toronto to Hong Kong

    Toronto to Hong Kong

    9,300 Miles
  • Toronto to Dubai

    Toronto to Dubai

    9,500 Miles
  • St. John's to Honolulu

    St. John's to Honolulu

    9,700 Miles
  • Quebec City to Maui

    Quebec City to Maui

    9,700 Miles
  • Montreal to Hong Kong

    Montreal to Hong Kong

    9,800 Miles
  • Winnipeg to Dubai

    Winnipeg to Dubai

    10,000 Miles
  • St. John's to Delhi

    St. John's to Delhi

    10,000 Miles
  • Winnipeg to Johannesburg

    Winnipeg to Johannesburg

    10,000 Miles
  • Halifax to Delhi

    Halifax to Delhi

    10,000 Miles
  • Regina to Dubai

    Regina to Dubai

    10,500 Miles
  • Saskatoon to Dubai

    Saskatoon to Dubai

    10,500 Miles
  • Edmonton to Dubai

    Edmonton to Dubai

    11,000 Miles
  • Calgary to Johannesburg

    Calgary to Johannesburg

    11,000 Miles
  • Vancouver to Dubai

    Vancouver to Dubai

    11,500 Miles
  • Victoria to Sydney

    Victoria to Sydney

    11,500 Miles
  • Vancouver to Auckland

    Vancouver to Auckland

    11,500 Miles
  • Victoria to Dubai

    Victoria to Dubai

    11,500 Miles
  • Calgary to Sydney

    Calgary to Sydney

    12,000 Miles
  • Blender/Choppers

    Blender/Choppers

    700 Miles
  • Chef's Tools

    Chef's Tools

    700 Miles
  • Hair & Grooming

    Hair & Grooming

    700 Miles
  • Jewellery

    Jewellery

    725 Miles
  • Blenders

    Blenders

    800 Miles
  • Pet Accessories

    Pet Accessories

    800 Miles
  • Scales

    Scales

    800 Miles
  • Toys & Activities

    Toys & Activities

    800 Miles
  • Tools

    Tools

    850 Miles
  • Mixers/Food Processors

    Mixers/Food Processors

    900 Miles
  • Toaster Ovens

    Toaster Ovens

    900 Miles
  • Baby Monitors

    Baby Monitors

    950 Miles
  • Cordless Phones

    Cordless Phones

    950 Miles
  • Fitness

    Fitness

    950 Miles
  • Cleaning & Laundry

    Cleaning & Laundry

    1,000 Miles
  • Coffee Makers

    Coffee Makers

    1,000 Miles
  • Flatware

    Flatware

    1,000 Miles
  • Bed & Bath

    Bed & Bath

    1,025 Miles
  • Luggage & Bags

    Luggage & Bags

    1,050 Miles
  • Baby Gear

    Baby Gear

    1,100 Miles
  • Headsets

    Headsets

    1,200 Miles
  • Watches

    Watches

    1,250 Miles
  • Blu-ray Disc Player

    Blu-ray Disc Player

    1,300 Miles
  • Binoculars

    Binoculars

    1,400 Miles
  • Bluetooth® Speaker

    Bluetooth® Speaker

    1,400 Miles
  • Digital Cameras

    Digital Cameras

    1,600 Miles
  • Sports Memorabilia

    Sports Memorabilia

    2,250 Miles
  • GPS Systems

    GPS Systems

    2,475 Miles
  • Gaming Systems

    Gaming Systems

    3,000 Miles
  • Camcorders

    Camcorders

    3,900 Miles
  • TVs

    TVs

    4,200 Miles
  • Copper Cookware

    Copper Cookware

    5,200 Miles
  • High End Blenders

    High End Blenders

    6,200 Miles
  • High End Coffee Systems

    High End Coffee Systems

    7,600 Miles
  • High End Ladies Watches

    High End Ladies Watches

    8,850 Miles
  • High End Stand Mixers

    High End Stand Mixers

    9,550 Miles
  • High End BBQ's (Seasonal)

    High End BBQ's (Seasonal)

    10,000 Miles
  • Major Appliances

    Major Appliances

    11,000 Miles
  • High End Men's Watches

    High End Men's Watches

    12,000 Miles
  • 60" TVs

    60" TVs

    14,500 Miles
  • High End Electric Bikes

    High End Electric Bikes

    16,000 Miles
  • Massage Chairs

    Massage Chairs

    18,700 Miles
  • 4K TVs

    4K TVs

    23,000 Miles
  • Curve TVs

    Curve TVs

    24,500 Miles

What to bring when applying in branch?

I am

If operating under a registered Trade Name, bring one of the following:
  • Trade Name Registration
  • Master Business License
Personal Identification for owner
If your business has been in existence less than 18 months, bring one of the following:
  • Complete Articles of Incorporation
  • Letters Patent/Company Charter
  • Articles of Amendment
  • Articles of Amalgamation
  • Corporate Profile Report
If your business has been in existence more than 18 months, in addition to the above documents, bring one of the following:
  • Annual/Statutory Return
  • Certificate of Status
  • Certificate of Compliance/Existence and any filings under the applicable provincial securities legislation, such as financial statements
  • Financial statement or annual report signed by independent accounting firm
  • Government Assessment
  • Corporate search
If operating under a registered Trade Name, bring one of the following:
  • Trade Name Registration
  • Master Business License
  • Identification Requirements
  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers
Identification Requirements
  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers
If your business is a General Partnership, bring the following:
  • Partnership Registration (if applicable)
  • Partnership Agreement
If your business is a Limited Partnership, the following:
  • Limited Partnership Agreement
  • Certificate of Limited Partnership/Declaration of Limited Partnership/Application for Registration of a Limited Partnership
If operating under a registered Trade Name, bring one of the following:
  • Trade Name Registration
  • Master Business License
Identification Requirements
  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers
If your business has been formally established, bring one of the following:
  • Articles of Association
  • Copy of by-laws or constitution disclosing names and titles of directors and/or officers
If not formally established, bring:
  • Letter from the organization disclosing who has the authority to open and operate the account
Identification Requirements
  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25 per cent or more of your business
  • Name, occupation, and date of birth information, along with personal identification, for up to three authorized signatories
  • Name and occupation information for any directors or officers

Ready to apply for the card?

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

BMO AIR MILES Business Mastercard Terms & Conditions

  1. BMO AIR MILES Business Mastercard ('Credit Card') applications must be received between October 2, 2018 and March 31, 2019 (the 'Offer Period') to be eligible for the following Bonus Miles, Companion Flight Rebate 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. 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. Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within forty-five (45) days of purchase. 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.

    Companion Flight Rebate Offer: To be credited the Dream Miles for your Companion flight ticket, you must book any two flights (one way or return) for travel anytime (subject to availability from participating suppliers at the time of booking) through airmiles.ca using your Dream Miles within twelve (12) months from the account open date. Both flight tickets must be booked in the same transaction, and on the same itinerary (both flights must be travelling on the same day, departing from the same location in Canada, and arriving to the same destination). You must have accumulated a sufficient balance of Dream Miles in your Collector Account to use for both flights in the same transaction to be eligible for this Offer. You will be credited the number of Miles back into your Dream Account that is equal to one flight ticket (excluding all taxes, fees and applicable surcharges) within 45 days after your flight booking, notwithstanding your balance preference (between AIR MILES Cash and AIR MILES Dream balances) at that time. The companion flight offer can only be applied to the 1st flight redemption after acquiring the card, no exceptions. There is a limit of one companion flight offer per eligible primary BMO AIR MILES Business Mastercard cardholder. To be eligible for this Offer, your BMO AIR MILES Business Mastercard account must be in good standing at the time such Miles are credited to your Dream Account. The Collector is responsible for paying all taxes, fees and applicable surcharges at the time of booking. There are no cancellations or refunds permitted on tickets once booked. Changes to flights may be permitted; restrictions may apply and changes are subject to applicable fees. In the event of a cancellation of either flight for any reason after booking, Dream Miles credited for the Companion flight may be deducted back from the Collector’s Account. Offer cannot be combined with any other Miles redemption offer. Offer is subject to the Flight Rewards Terms and Conditions of the AIR MILES Reward Miles Program, available on airmiles.ca.

    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. 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 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 and the Companion Flight Miles (if applicable) will be clawed back. The AIR MILES Bonus Miles Offer and the Companion Flight Rebate Offer are each subject to the AIR MILES Reward Program Terms and Conditions.
  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.