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 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.*
Earn 1 AIR MILES Reward 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 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.