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 topped-up to 5x the AIR MILES Reward Miles on groceries until May 31, 2021. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.8
Get 1 Mile on every $10 in credit card purchases2
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.
Calculate your AIR MILES Reward 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.
Terms and Conditions
This guide outlines in detail the terms and conditions governing the AIR MILES Reward Program.
Have Questions?
BMO AIR MILES Business Mastercard Terms & Conditions
- 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. - 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.
- 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.
- Please refer to your BMO Mastercard Cardholder Agreement for more information.
- 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.
- 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).
- 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 February 4, 2021 through May 31, 2021 (“Offer Period”) when you use your valid BMO AIR MILES credit card to make an Eligible Purchase at participating Sobeys Inc. banners including: Sobeys, Safeway, Foodland, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry. You must also present your AIR MILES Card at the time of transaction. The AIR MILES Card presented, 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 (“Miles”) collected from the participating Sobeys Inc. banners during the Offer Period.
- Base Miles are awarded by participating Sobeys Inc. banners, at a rate of 1 Mile for every $20 spent in a week (Sunday to Saturday) on eligible products (which exclude taxes, tobacco products, gift cards or cards that can be used for cash-like or quasi-cash transactions, bottle deposits, fluid dairy products, pharmacy, lottery, alcoholic beverages and any other non-discountable items) (“Eligible Purchase”).
- The Top Up Offer will be calculated based on the total Eligible Purchase transactions that earn base Miles from participating Sobeys Inc. banners during the Offer Period. The total Miles awarded in connection with the Top Up Offer will be a combination of base Miles awarded by Sobeys, base Miles awarded by BMO, including any accelerator Miles as applicable, and Top Up Offer Miles that in sum will equal 5X the base Miles awarded by Sobeys.
- As an illustrative example of how you’ll earn the total of 5X the Sobeys Inc. base Miles as part of this Top Up Offer: A customer spends $100 in Eligible Purchases at a Sobeys Inc. banner and pays using a BMO AIR MILES Mastercard with no annual fee. The customer gets 5 base Miles awarded by Sobeys Inc. (based on earn rate of 1 Mile per $20 spent at Sobeys Inc. banners in a week). By paying for this transaction with a BMO AIR MILES Mastercard with no annual fee, in addition to the 5 base Sobeys Miles for this transaction, the customer gets 12 Miles awarded by BMO (based on an earn rate of 3 Miles for every $25 spent at participating AIR MILES Partners in a statement cycle period) and 8 Top Up Offer Miles awarded by BMO, bringing the total Miles collected to 25 AIR MILES Reward Miles, which is the equivalent of 5X the 5 base Miles awarded by the participating Sobeys Inc. banner.
Example of how a BMO No Fee AIR MILES Mastercard cardholder could get 5x the AIR MILES Reward Miles from Sobeys: 5 Base Miles from Sobeys plus 12 Base Miles from BMO AIR MILES credit card (including any applicable accelerator Miles) plus 8 BMO-Sobeys “Top Up” Miles equals 25 Total AIR MILES Reward Miles Collected.- Base Miles awarded by BMO are 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 Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
- 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 Sobeys, 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.
- 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 Top Up Offer once their monthly cap has been reached.
- BMO AIR MILES Commercial Mastercard credit cards are excluded from this Top Up Offer.
- Top Up 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.
- ® BMO is a registered trademark of Bank of Montreal.
- ®† “Sobeys” are trademarks of Sobeys Capital Incorporated. Used with permission by Bank of Montreal.
- ®†/TM† Trademarks of AM Royalties Limited Partnership used under license by, LoyaltyOne, Co., Bank of Montreal and Sobeys Capital Incorporated.
- ®* Trademarks of Mastercard International Incorporated. Used under license by Bank of Montreal.
- 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.