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BMO® Rewards® Business Mastercard®*

BMO Rewards Business Mastercard

Welcome Offer: Get 35,000 points after you spend $5,000 in the first 3 months. Plus we’ll waive the annual fee for the first year1.

Get 3 BMO Rewards points on eligible purchases at gas stations, office supplies and on your cell phone and internet recurring payments2,4.
  • 14.99%
    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.
  • Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments2,4
  • Earn 1.5 BMO Rewards points for every $1 you spend4

Extra Benefits:

  • 25 payment grace days5
  • Optional Employee Cards - empower employees with delegated purchasing authority3

Travel Protection:

  • Simply use your BMO Rewards 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 is 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 featuring 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 BMO Rewards points

How many BMO Rewards points can I earn?

How much do you think you’ll spend per month on your card?

Gas
Office supplies
Cell phone and internet billings
All other spend
Use of the BMO Rewards calculator is for illustrative purposes only. Values displayed valid as of February 5, 2018.

Your results

Points earned each month
0
Points earned in your first year
0
Calculation includes 35,000 welcome points when you spend $5,000 in first 3 months1.
Here’s what you can do with your BMO Rewards points:
  • 1 night 4-star Hotel in Montreal
    1 night 4-star Hotel in Montreal
    20,000 Reward points
  • 1 night 4-star Hotel in Banff
    1 night 4-star Hotel in Banff
    25,000 Reward points
  • Toronto to Chicago
    Toronto to Chicago
    40,000 Reward points
  • Vancouver to San Francisco
    Vancouver to San Francisco
    45,000 Reward points
  • Montreal to New York
    Montreal to New York
    50,000 Reward points
  • 1 week convertible car rental
    1 week convertible car rental
    55,000 Reward points
  • Calgary to Miami
    Calgary to Miami
    58,000 Reward points
  • Vancouver to Chicago
    Vancouver to Chicago
    61,000 Reward points
  • Las Vegas  4 night Flight + Hotel
    Las Vegas 4 night Flight + Hotel
    65,000 Reward points
  • Toronto to London
    Toronto to London
    72,000 Reward points
  • Montreal to Paris
    Montreal to Paris
    81,000 Reward points
  • St. John's to Las Vegas
    St. John's to Las Vegas
    84,000 Reward points
  • 2 nights 4.5-star Hotel in South Beach
    2 nights 4.5-star Hotel in South Beach
    90,000 Reward points
  • Toronto to Barcelona
    Toronto to Barcelona
    92,000 Reward points
  • Montreal to Venice
    Montreal to Venice
    95,000 Reward points
  • 7 night Caribbean Cruise
    7 night Caribbean Cruise
    100,000 Reward points
  • Vancouver to Tokyo
    Vancouver to Tokyo
    100,000 Reward points
  • Halifax to Paris
    Halifax to Paris
    104,000 Reward points
  • Toronto to Istanbul
    Toronto to Istanbul
    112,000 Reward points
  • Calgary to Barcelona
    Calgary to Barcelona
    113,000 Reward points
  • Montreal to Rio de Janeiro
    Montreal to Rio de Janeiro
    118,000 Reward points
  • Vancouver to London
    Vancouver to London
    124,000 Reward points
  • Toronto to Dubai
    Toronto to Dubai
    132,000 Reward points
  • Vancouver to Rio de Janeiro
    Vancouver to Rio de Janeiro
    136,000 Reward points
  • St. John's to Paris
    St. John's to Paris
    140,000 Reward points
  • 10 night Mediterranean Cruise
    10 night Mediterranean Cruise
    150,000 Reward points
  • Halifax to Tokyo
    Halifax to Tokyo
    154,000 Reward points
  • Vancouver to Tibet
    Vancouver to Tibet
    159,000 Reward points
  • Toronto to Kuala Lumpur
    Toronto to Kuala Lumpur
    160,000 Reward points
  • Regina to Dubai
    Regina to Dubai
    162,000 Reward points
  • 7 nights - Mexico 5-star All Inclusive
    7 nights - Mexico 5-star All Inclusive
    170,000 Reward points
  • Regina to Mumbai
    Regina to Mumbai
    172,000 Reward points
  • Vancouver to Cape Town
    Vancouver to Cape Town
    190,000 Reward points
  • Toronto to Sydney
    Toronto to Sydney
    198,000 Reward points
  • Montreal to Sydney
    Montreal to Sydney
    198,000 Reward points
  • Vancouver to Cape Town
    Vancouver to Cape Town
    206,000 Reward points
  • St. John's to Cape Town
    St. John's to Cape Town
    214,000 Reward points
  • Montreal to Kuala Lumpur
    Montreal to Kuala Lumpur
    225,000 Reward points
  • St. John's to Sydney
    St. John's to Sydney
    245,000 Reward points
  • 7 nights - St. Lucia 5-star All Inclusive
    7 nights - St. Lucia 5-star All Inclusive
    250,000 Reward points
  • 2 week South Pacific Cruise
    2 week South Pacific Cruise
    260,000 Reward points
  • Montreal to Cape Town
    Montreal to Cape Town
    270,000 Reward points
  • Regina to Tibet
    Regina to Tibet
    307,000 Reward points
  • 1 year magazine subscription
    1 year magazine subscription
    6,500 Reward points
  • Fitness tracker
    Fitness tracker
    10,500 Reward points
  • 20 piece flatware set
    20 piece flatware set
    10,500 Reward points
  • Cheese board set
    Cheese board set
    10,000 Reward points
  • $50 gift card
    $50 gift card
    10,500 Reward points
  • Wireless Bluetooth audio system
    Wireless Bluetooth audio system
    13,000 Reward points
  • Digital kitchen scale
    Digital kitchen scale
    15,000 Reward points
  • Pearl fashion necklace
    Pearl fashion necklace
    15,500 Reward points
  • Indoor skydiving experience
    Indoor skydiving experience
    16,500 Reward points
  • Ladies fabric tote bag
    Ladies fabric tote bag
    18,000 Reward points
  • High performance multimedia speaker system
    High performance multimedia speaker system
    20,500 Reward points
  • Women's fragrance gift set
    Women's fragrance gift set
    21,500 Reward points
  • $100 gift card
    $100 gift card
    21,500 Reward points
  • Stoneware casserole dish
    Stoneware casserole dish
    23,500 Reward points
  • High performance in-ear headphones
    High performance in-ear headphones
    24,500 Reward points
  • Ladies weekender bag
    Ladies weekender bag
    26,500 Reward points
  • 8-cup food processor
    8-cup food processor
    28,000 Reward points
  • Men's designer sunglasses
    Men's designer sunglasses
    30,000 Reward points
  • Hard case spinner luggage
    Hard case spinner luggage
    32,000 Reward points
  • Waffle/omelette maker
    Waffle/omelette maker
    33,500 Reward points
  • Ionic ceramic hairdryer
    Ionic ceramic hairdryer
    34,500 Reward points
  • Compact drill/driver kit
    Compact drill/driver kit
    37,000 Reward points
  • Crystal wine glass set
    Crystal wine glass set
    39,000 Reward points
  • Wearable activity tracker
    Wearable activity tracker
    39,000 Reward points
  • Freshwater pearl earrings
    Freshwater pearl earrings
    44,000 Reward points
  • HD touchscreen e-reader
    HD touchscreen e-reader
    48,000 Reward points
  • High performance around-ear headphones
    High performance around-ear headphones
    52,000 Reward points
  • 3D 4K Smart Blu-ray player
    3D 4K Smart Blu-ray player
    52,500 Reward points
  • Panini press and skillet grill set
    Panini press and skillet grill set
    56,000 Reward points
  • Inn & Spa Getaway experience
    Inn & Spa Getaway experience
    59,000 Reward points
  • Portable Bluetooth speaker
    Portable Bluetooth speaker
    62,500 Reward points
  • Ladies designer watch
    Ladies designer watch
    65,000 Reward points
  • Noise cancelling headphones
    Noise cancelling headphones
    69,500 Reward points
  • Home coffee and espresso brewing system
    Home coffee and espresso brewing system
    70,000 Reward points
  • Stainless steel cookware set
    Stainless steel cookware set
    75,000 Reward points
  • Compact hard floor vacuum
    Compact hard floor vacuum
    78,000 Reward points
  • Designer leather tote bag
    Designer leather tote bag
    84,000 Reward points
  • Garment bag spinner luggage
    Garment bag spinner luggage
    86,500 Reward points
  • Self-programmable thermostat
    Self-programmable thermostat
    87,000 Reward points
  • 32-inch LED TV
    32-inch LED TV
    95,500 Reward points
  • Digital camera
    Digital camera
    99,500 Reward points
  • $500 gift card
    $500 gift card
    100,000 Reward points
  • Waterproof digital camera
    Waterproof digital camera
    104,500 Reward points
  • 3-piece hard side spinner luggage set
    3-piece hard side spinner luggage set
    113,500 Reward points
  • High velocity blender
    High velocity blender
    126,500 Reward points
  • Natural gas barbeque
    Natural gas barbeque
    129,500 Reward points
  • Professional grade blender
    Professional grade blender
    130,500 Reward points
  • 40 inch Smart HD TV
    40 inch Smart HD TV
    176,500 Reward points

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 Mastercard cardholder.
Download PDF for full details

Terms and Conditions

This guide outlines in detail terms and conditions governing your BMO Rewards Mastercard.
Terms and Conditions

BMO Rewards Business Mastercard Terms & Conditions

  1. BMO Rewards Business Mastercard applications must be received between February 5, 2018 and October 31, 2018 (the “Offer Period”) to be eligible for this offer. The 35,000 BMO Rewards welcome bonus points offer and the annual fee waiver in the first year is limited to new BMO Rewards Business Mastercard accounts. You will earn 35,000 BMO Rewards points when you spend $5,000 in eligible card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) statement periods from the account open date. 35,000 BMO Rewards points will be applied to your BMO Rewards Collector Account on the statement following the eligible $5,000 spend. 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. This offer is not available to current or former BMO Rewards Business Mastercard cardholders who reinstate a closed account or open a new account during the “Offer Period”. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  2. You will earn 3 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 3 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards point for each dollar you spend and the bonus of 1.5 BMO Rewards points for each dollar you spend in qualifying gas, office supply stores or cell phone/internet purchases. To qualify for the bonus reward points, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 4812, 4814 & 4816) and Cellphone/Internet billings (Merchant Codes: 5111 & 5943). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply. After you reach $50,000 in qualifying gas, office supply stores or cell phone/ internet purchases, you will earn 1.5 BMO Rewards point for each dollar you spend on these purchases and on all other eligible purchases made with the card.
  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. Subject to the BMO Rewards Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Rewards Business Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and nonqualifying transactions from time to time.
  5. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  6. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Business MasterCard Travel Protection 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.
  • ™*/®* Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Used under license.