How do I redeem my reward points?

If you'd like to cash in your points, just visit the BMO Rewards website, sign in to your account and choose what you'd like to purchase with your points.

How often can I access my reward points?

You can access your points whenever you'd like! Just choose how you'd like to cash them in - you can pay with points; redeem them for travel, shopping and unique experiences; or put your points toward a BMO investment account. Learn more on the BMO Rewards website.

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BMO World Elite^®* Business Mastercard^®*

Get rewarded for all your purchases. Plus, earn extra rewards on your most common business expenses, to make the most of your money.

Get 4 points for every $1 you spend on gas, office supplies, cell phone and internet bill payments⁴^,⁵
Get 1.5 points for every $1 you spend on all other card purchases⁴^,⁵

Winner of best cash back business credit card in 2024 by creditcardGenius.*

apply now

Welcome offer:

Get over $1,300 in value.¹This includes up to 70,000 bonus BMO Rewards Points in your first year (that’s $470 in value).¹

Your rates at a glance

$149
Annual fee waived in the first year¹
17.99%
Interest on purchases²
$22.99%
Interest on cash advances²

Here’s how your first year value adds up

Welcome bonus

Up to $335 in value (50,000 BMO Rewards Points) when you spend $5,000 in the first three months.¹

First year spend bonus

$135 in value (20,000 BMO Rewards Points) when you spend $35,000 in the first year.¹

Premium benefits

$701 in value from your premium benefits

Airport lounge access with free annual membership to Mastercard Travel Pass provided by DragonPass, plus 2 free passes a year.¹⁰
Five free virtual care visits with a registered Canadian Doctor whenever you need with Maple.¹⁴

Annual fee waiver

Plus, your $149 annual fee is waived in the first year.¹

Get even more perks with your business card

Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster.^1,6
Get protection against employee card abuse with our Liability Waiver Program.⁷
Redeem your reward points for travel, office supplies, gifts for employees and more! You can even use your points to pay for recent purchases or cash deposits into your BMO investment account.^8,9
Enjoy Airport Lounge Access with a complimentary membership to Mastercard Travel Pass provided by DragonPass, plus 2 free lounge passes a year. Registration is required. Visit mastercardtravelpass.dragonpass.com or use the Mastercard Travel Pass mobile application to register.¹⁰
Get automatic rebates of 1%-25%¹¹ when you shop at qualifying merchants with Mastercard Easy Savings.^TM
Enjoy Travel Protection when you use your Mastercard to book travel arrangements. Coverage includes Out of Province / Country Emergency Medical for trips up to 15 days, car rental collision damage waiver, trip cancellation / trip interruption, baggage delay, and more.¹² Download our travel protection certificate of insurance.
Enjoy 90-day purchase protection and extended warranty protection of up to one year on most items you charge to the card.¹³

apply now

Calculate your Rewards Points

Welcome Offer: 70,000 Rewards points in the first year. 50,000 Rewards points when you spend $5,000 in the first 3 months and 20,000 Rewards points when you spend $35,000 in the first 12 months.

Estimate your monthly spending

Gas (earn 4 points for every $1 you spend):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $5,000

Office supplies (earn 4 points for every $1 you spend):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $5,000

Cell phone and internet bill payments (earn 4 points for every $1 you spend):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $5,000

All other eligible purchases (earn 1.5 points for every $1 you spend):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $5,000

Your first year BMO Rewards points total:

Yearly breakdown:

Bonus points:

Gas, office supplies, cell phone, and internet bills payments:

All other purchases:

Use of the reward calculator is for illustrative purposes only.

Estimated yearly rewards

Use your BMO Rewards points to treat yourself to something big – or something small. They’re yours to use however you like.

You could redeem 42,000 points for dinner for two at a nice restaurant.

Apply Now

Minimum of $80,000 (personal) or $150,000 (household) or $250,000 (business revenue) or $400,000 (Assets Under Management).

How will you use your reward points?

Pay with Points
Morning latte
900 points
Travel
Toronto to Halifax
50,000 points**Based on a one-way fare, last updated October 2021.
Big purchases
Apple AirPods
47,500 points

Access on-demand health care any time you need it

Get virtual care and connect online with Canadian-licensed general practitioners 24-hours a day, seven days a week, within minutes.¹⁴

Maple makes it easy to get the care you need, when you need it.

BMO offer

Get five free virtual care visits on Maple shared by you and your family members^14,15
Manage your health and wellbeing with round-the-clock access to virtual care¹⁴
Get support from Canadian-licensed general practitioners and mental health counsellors
Connect with a mental health counsellor on-demand within 12 hours or through a bookable visit, at your convenience¹⁴
Signing up is simple – you’ll receive a registration email from Maple within two weeks of receiving your credit card

Learn more

Before you apply, here are some things to know

Sole proprietorship

Personal identification (like a driver’s license or a passport)
If you’re using a registered Trade Name, you’ll also need:
Trade Name Registration
Master Business License

Corporation

Here's what you need:

- Complete Articles of Incorporation
- Letters Patent/Company Charter
- Articles of Amendment
- Articles of Amalgamation
- Corporate Profile Report
- 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
- 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

Partnership

Here's what you will need:

- Partnership Registration (if applicable)
- Partnership Agreement
- Limited Partnership Agreement
- Certificate of Limited Partnership/Declaration of Limited Partnership/Application for Registration of a Limited Partnership
- Trade Name Registration
- Master Business License
- 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

Unincorporated association

Here's what you will need:

- Articles of Association
- Copy of by-laws or constitution disclosing names and titles of directors and/or officers
- A letter from the organization disclosing who has the authority to open and operate the account
- 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

Added protection for peace of mind
Our Liability Waiver Program protects your business against employee card abuse.⁷
Plus, enjoy Extended Warranty and Purchase Protection.¹³
Zero Liability
You won’t be liable for most cases of unauthorized purchases made in person, over the phone or online.¹⁶
Your security is our priority
BMO Business Mastercard is now more secure than ever thanks to chip technology. Your card contains an embedded microchip, which is encrypted and extremely difficult to counterfeit.
Toll-free customer service
Call 1-844-385-5055 toll-free for customer service in English, French, Cantonese or Mandarin.