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.
Winner of best cash back business credit card in 2024 by creditcardGenius.*
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
Estimate your monthly spending
Gas (earn 4 points for every $1 you spend):
Office supplies (earn 4 points for every $1 you spend):
Cell phone and internet bill payments (earn 4 points for every $1 you spend):
All other eligible purchases (earn 1.5 points for every $1 you spend):
0
Estimated yearly rewards
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
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
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.
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.
Committed to your business brochure
Get PDF for full detailsFind out how we are committed to you, our business customer.
BMO Mastercard Cardholder Agreement
Get PDF for full detailsGet all the details about the benefits that come with your card as well as your rights and responsibilities as a BMO Mastercard cardholder.Insurance Product Summary (For Quebec Residents)
Get PDF for full detailsSummary of the benefits, and key terms and conditions of the insurance that comes with your card.Certificate of Insurance
Get PDF for full detailsThis guide outlines the terms and conditions governing the insurance that comes with your card.
BMO Rewards Terms and Conditions
Get PDF for full detailsThis guide outlines in detail terms and conditions governing your BMO Rewards Mastercard rewards. Check the Table of contents to find the BMO Rewards section.