Skip navigation
ShowSkip navigation
Navigation skipped

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

BMO AIR MILES No-Fee Business Mastercard

Welcome Offer: Get 1,150 AIR MILES Bonus Miles - that’s enough for $120 towards your purchases with AIR MILES Cash!*

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 $20 in purchases2
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $0
    Annual fee3
Apply now for a BMO AIR MILES No-Fee 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.
  • 1.25 X the Miles for every $20 you spend at participating Shell stations5
  • 1 AIR MILES Reward Mile on every $20 you spend2.

Extra Benefits:

  • Optional Employee Cards - empower employees with delegated purchasing authority3
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 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 January 15, 2019.

Your results

0

Total Miles in your first year including 0 Bonus Miles1.

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
Apply now for a BMO AIR MILES No-Fee Business Mastercard

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 No-Fee 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 No-Fee Business Mastercard Terms & Conditions

    1. BMO AIR MILES No Fee Business Mastercard applications must be received between August 17, 2020 and October 31, 2021 (the “Offer Period”). Up to 1,150 AIR MILES Bonus Miles offer is limited to new BMO AIR MILES No Fee Business Mastercard accounts. 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 650 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. The first 1000 Bonus Miles will appear on your BMO credit card statement and the remaining 150 Bonus Miles will appear on your AIR MILES Collector statement. 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 Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice.
      * Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating Reward Partners. Standard daily Cash Miles usage limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca
    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.
    • * 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.