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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 1 Mile on every $10 in credit card purchases2
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $120
    Annual fee3
Apply now for a BMO AIR MILES Business Mastercard
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 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.

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 get in a year?

How much do you think you’ll spend per month on your card?
Use of AIR MILES Reward Miles calculator is for illustrative purposes only. Values displayed valid as of September 1, 2020.

Your results

0

Total Miles in your first year

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

    1,200 Miles
  • Vancouver to Kelowna

    1,200 Miles
  • Calgary to Fort McMurray

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

    1,200 Miles
  • Montreal to Toronto

    1,300 Miles
  • Calgary to Vancouver

    1,300 Miles
  • Toronto to New York

    1,300 Miles
  • Vancouver to Seattle

    1,300 Miles
  • Calgary to Winnipeg

    1,700 Miles
  • Ottawa to Halifax

    1,700 Miles
  • Saskatoon to Vancouver

    1,700 Miles
  • Regina to Seattle

    1,700 Miles
  • Vancouver to Los Angeles

    1,900 Miles
  • Victoria to San Francisco

    1,900 Miles
  • Vancouver to Las Vegas

    1,900 Miles
  • Calgary to Phoenix

    2,700 Miles
  • Winnipeg to Seattle

    2,700 Miles
  • Montreal to Saskatoon

    2,800 Miles
  • Toronto to Orlando

    2,800 Miles
  • Toronto to Calgary

    2,900 Miles
  • Regina to Las Vegas

    2,900 Miles
  • Montreal to Miami

    2,900 Miles
  • Halifax to Fort Lauderdale

    3,100 Miles
  • Montreal to Calgary

    3,500 Miles
  • Winnipeg to Las Vegas

    3,500 Miles
  • Edmonton to Montreal

    3,500 Miles
  • Vancouver to Toronto

    3,600 Miles
  • Edmonton to New York

    3,900 Miles
  • Calgary to Chicago

    3,900 Miles
  • Toronto to Seattle

    3,900 Miles
  • Ottawa to Yellowknife

    4,000 Miles
  • Toronto to Los Angeles

    4,300 Miles
  • Ottawa to Las Vegas

    4,300 Miles
  • Montreal to Yellowknife

    4,300 Miles
  • Vancouver to New York

    4,700 Miles
  • Montreal to San Francisco

    4,800 Miles
  • Montreal to Seattle

    4,800 Miles
  • Quebec City to Las Vegas

    4,800 Miles
  • Calgary to Orlando

    5,000 Miles
  • Halifax to Las Vegas

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

    5,200 Miles
  • Yellowknife to Halifax

    5,200 Miles
  • Charlottetown to Los Angeles

    5,200 Miles
  • Halifax to Seattle

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

    5,400 Miles
  • Victoria to Orlando

    5,500 Miles
  • Vancouver to Miami

    5,500 Miles
  • Vancouver to Fort Lauderdale

    5,500 Miles
  • Kelowna to Fort Lauderdale

    5,500 Miles
  • Vancouver to Honolulu

    5,800 Miles
  • Vancouver to Maui

    5,800 Miles
  • Calgary to Maui

    6,300 Miles
  • Regina to Honolulu

    7,200 Miles
  • Saskatoon to Maui

    7,200 Miles
  • Winnipeg to Honolulu

    7,400 Miles
  • Whitehorse to New York

    7,500 Miles
  • Yellowknife to Maui

    7,600 Miles
  • Toronto to Honolulu

    7,900 Miles
  • Thunder Bay to Honolulu

    7,900 Miles
  • Toronto to Kona

    7,900 Miles
  • Montreal to Honolulu

    8,500 Miles
  • Montreal to Maui

    8,500 Miles
  • Quebec City to Maui

    8,500 Miles
  • Whitehorse to Orlando

    8,600 Miles
  • Yellowknife to Orlando

    8,600 Miles
  • Halifax to Honolulu

    9,700 Miles
  • Halifax to Maui

    9,700 Miles
  • Calgary to Amsterdam

    7,500 Miles
  • Vancouver to Shanghai

    7,800 Miles
  • Vancouver to Rome

    7,900 Miles
  • Victoria to Franfurt

    7,900 Miles
  • Calgary to Tokyo

    8,000 Miles
  • Yellowknife to Oslo

    8,200 Miles
  • Vancouver to Istanbul

    8,400 Miles
  • Regina to Beijing

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

    8,400 Miles
  • Saskatoon to Delhi

    8,400 Miles
  • Quebec City to Honolulu

    8,500 Miles
  • Montreal to Dubai

    8,900 Miles
  • Winnipeg to Hong Kong

    8,900 Miles
  • Montreal to Tel Aviv

    8,900 Miles
  • Winnipeg to Beijing

    8,900 Miles
  • Toronto to Dubai

    9,300 Miles
  • Ottawa to Seoul

    9,300 Miles
  • Toronto to Hong Kong

    9,300 Miles
  • Toronto to Dubai

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

    9,700 Miles
  • Quebec City to Maui

    9,700 Miles
  • Montreal to Hong Kong

    9,800 Miles
  • Winnipeg to Dubai

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

    10,000 Miles
  • Winnipeg to Johannesburg

    10,000 Miles
  • Halifax to Delhi

    10,000 Miles
  • Regina to Dubai

    10,500 Miles
  • Saskatoon to Dubai

    10,500 Miles
  • Edmonton to Dubai

    11,000 Miles
  • Calgary to Johannesburg

    11,000 Miles
  • Vancouver to Dubai

    11,500 Miles
  • Victoria to Sydney

    11,500 Miles
  • Vancouver to Auckland

    11,500 Miles
  • Victoria to Dubai

    11,500 Miles
  • Calgary to Sydney

    12,000 Miles
  • Blender/Choppers

    700 Miles
  • Chef's Tools

    700 Miles
  • Hair & Grooming

    700 Miles
  • Jewellery

    725 Miles
  • Blenders

    800 Miles
  • Pet Accessories

    800 Miles
  • Scales

    800 Miles
  • Toys & Activities

    800 Miles
  • Tools

    850 Miles
  • Mixers/Food Processors

    900 Miles
  • Toaster Ovens

    900 Miles
  • Baby Monitors

    950 Miles
  • Cordless Phones

    950 Miles
  • Fitness

    950 Miles
  • Cleaning & Laundry

    1,000 Miles
  • Coffee Makers

    1,000 Miles
  • Flatware

    1,000 Miles
  • Bed & Bath

    1,025 Miles
  • Luggage & Bags

    1,050 Miles
  • Baby Gear

    1,100 Miles
  • Headsets

    1,200 Miles
  • Watches

    1,250 Miles
  • Blu-ray Disc Player

    1,300 Miles
  • Binoculars

    1,400 Miles
  • Bluetooth® Speaker

    1,400 Miles
  • Digital Cameras

    1,600 Miles
  • Sports Memorabilia

    2,250 Miles
  • GPS Systems

    2,475 Miles
  • Gaming Systems

    3,000 Miles
  • Camcorders

    3,900 Miles
  • TVs

    4,200 Miles
  • Copper Cookware

    5,200 Miles
  • High End Blenders

    6,200 Miles
  • High End Coffee Systems

    7,600 Miles
  • High End Ladies Watches

    8,850 Miles
  • High End Stand Mixers

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

    10,000 Miles
  • Major Appliances

    11,000 Miles
  • High End Men's Watches

    12,000 Miles
  • 60" TVs

    14,500 Miles
  • High End Electric Bikes

    16,000 Miles
  • Massage Chairs

    18,700 Miles
  • 4K TVs

    23,000 Miles
  • 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?

Apply now for a BMO AIR MILES Business 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

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.
    • ® BMO is a registered trademark of Bank of Montreal.
    • ®†/TM† Trademarks of AM Royalties Limited Partnership used under license by, LoyaltyOne, Co. and 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.