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BMO® CashBack® Business Mastercard®*

BMO CashBack Business Mastercard
  • Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months1
  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments2.
  • 1.75% at Shell®††4
  • 0.75% on all other card purchases4
No Annual Fee3
  • 19.99%
    Purchases3
  • 22.99%
    Cash Advances3
  • $0
    Annual fee3

Calculate your cash back rewards

How much cash back can I get?

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 cash back calculator is for illustrative purposes only. Values displayed valid as of February 5, 2018.

Your results

Based on up to
6% cash back
Includes 6% cash back welcome offer on gas, office supplies and cell phone/internet bills for the first 4 months1.
Cash back earned each month
0
Cash back in your first year
0
Cash back is redeemed as a statement credit annually.

Features & Benefits

  • Acceptance
    Now you can use your BMO Business Mastercard at Costco locations across Canada
  • 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.
  • 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
  • Extra Benefits
    • 25 payment grace days6
    • Optional Employee Cards - empower employees with delegated purchasing authority6
  • Mastercard Easy Savings
    Automatic rebates on qualified purchases at participating merchants
  • 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.
  • Cash Advances
    Get cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide.
  • Worldwide Acceptance
    BMO Business Mastercard credit cards are accepted at nearly 30 million locations worldwide.
  • Protection
    Our Liability Waiver Program protects your business against employee card abuse7.
    Plus, enjoy Extended Warranty and Purchase Protection5
Other BMO Small Business Credit Cards
BMO® AIR MILES®† No-Fee Business® Mastercard®*
Other BMO Personal Credit Cards
BMO® CashBack® Mastercard®*

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 CashBack Mastercard rewards.
Terms and Conditions

BMO CashBack Business Mastercard Terms & Conditions

  1. BMO CashBack Business Mastercard applications must be received between February 5, 2018 and October 31, 2019 (the “Offer Period”) to be eligible for this offer. You will earn 6% CashBack rewards for each dollar you spend at qualifying gas stations, office supply stores, and on your cell phone/internet (phone) bill payments in the first 4 (four) billing cycles from the account open date (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) up to a maximum of $125 cash back (a minimum of $2,085 in eligible purchases). The 6% CashBack rewards includes the base earn rate of 0.75% and a bonus of 5.25% for purchases in qualifying office supply stores, cell phone/internet purchases or gas (bonus of 5.50% at Shell locations in Canada). To qualify for the bonus CashBack rewards, your purchases must be made at “Qualifying 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). This bonus earn would not apply to some merchants who sell similar products/services or are separate merchants who are located on the premises of such merchants but are classified in another manner. After the first four (4) billing cycles or $2,085 spent in eligible purchases (whichever comes first), you will earn 1.5% CashBack rewards for each dollar you spend at office supply stores, on your cell phone/internet (phone) bill payments and at gas stations (1.75% CashBack rewards for purchases made at Shell locations in Canada). The 6% CashBack rewards offer is limited to new BMO CashBack Business Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, who transfers to another account, or who open a new account during the offer period. Limit of one bonus offer per account. If you cancel your card within one hundred and twenty (120) days from the date your account is opened, all CashBack rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
  2. You will earn 1.5% CashBack rewards for each dollar you spend at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 1.5% CashBack rewards includes the base earn rate of 0.75% and the bonus of 0.75% for purchases in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus CashBack rewards, 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.
  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. CashBack rewards earned is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the BMO CashBack Rewards Terms and Conditions for the BMO Business CashBack Mastercard. The number of CashBack rewards will be rounded down to the nearest cent.
  5. 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).
  6. Please refer to your BMO Mastercard Cardholder Agreement for more information.
  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.