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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 payments3,4
  • Get 1.5 points for every $1 you spend on all other card purchases3,4
logo for best cashback credit card in 2024 from credit card genius

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

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B M O World Elite business mastercard

Welcome offer:

Get over $1,500 in value.1This includes up to 100,000 bonus BMO Rewards Points in your first year (that’s $669 in value).1

B M O World Elite business mastercard

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

First use bonus

Earn 20,000 bonus BMO Rewards Points (a value of $135) when you make your first purchase.1

Monthly bonus

Earn 8,000 bonus BMO Reward Points from months 3-12 by spending a minimum of $3,000 each month (a value of up to $535).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.14,15

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.1,5
  • Get protection against employee card abuse with our Liability Waiver Program.6
  • 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.7,8
  • Get up to 7 cents off per litre on all your Shell®± fuel – just for being a BMO cardholder.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

Calculate your Rewards Points

Welcome Offer: get up to 100,000 BMO Rewards points in your first year.

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:

0

Yearly breakdown:
Bonus points:
0
Gas, office supplies, cell phone, and internet bills payments:
0
All other purchases:
0
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.
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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

Maple Health logo

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 members14,15
  • 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.

BMO World Elite Business Mastercard FAQs

  • 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.

  • 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 purchases, shopping and unique experiences; or put your points toward a BMO investment account. Learn more on the BMO Rewards website.

We’ve got all your banking needs covered

Loans and lines of credit to grow your business

We offer low rates and flexible lending options so you can get the funding you need to take your business to the next level.

Pair it with a personal credit card

Our personal credit cards come with great benefits and rewards, and help you keep your personal and business finances separate.

Take the next step toward better business banking

  • Give us a call

    Call us to apply for a credit card or ask questions.

    1-844-385-5055
  • Apply online

    Get approved for a new card online in minutes.

  • Visit us

    Make an appointment at your nearest branch to discuss your business needs.

    Book an appointment