BMO CashBack® Business Mastercard®*

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 September 1, 2020.
Your results
Based on up to
10% cash back
Includes 10% cash back welcome offer on gas, office supplies and cell phone/internet bills for the first 3 months.1
Cash back earned each month
0
Cash back in your first year
0
Cash back is redeemed as a statement credit annually.
Features & Benefits
- AcceptanceNow 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 WorldWherever 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
- Cirque du Soleil
- Mastercard Easy SavingsAutomatic 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 AdvancesGet cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide.
- Worldwide AcceptanceBMO Business Mastercard credit cards are accepted at nearly 30 million locations worldwide.
- ProtectionOur 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®*
Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO Mastercard cardholder.
Terms and Conditions
This guide outlines in detail terms and conditions governing your BMO CashBack Mastercard rewards.
Have Questions?
BMO CashBack Business Mastercard Terms & Conditions
- BMO CashBack Business Mastercard applications must be received between September 1, 2020 and October 31, 2021 (the “Offer Period”) to be eligible for this offer. You will earn 10% cash back for each dollar you spend at qualifying gas stations, office supply stores, and on your cell phone/internet (phone) bill payments in the first 3 (three) 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 $150 cash back (a minimum of $1,500 in eligible purchases). The 10% cash back reward includes the base earn rate of 0.75% and a bonus of 9.25% for qualifying office supply store purchases, cell phone/internet bill payments, or gas purchases (bonus of 9.50% at Shell locations in Canada). To qualify for the bonus cash back reward, 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: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). 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 three (3) billing cycles or $1,500 spent in eligible purchases (whichever comes first), you will earn 1.5% cash back for each dollar you spend at office supply stores, on your cell phone/internet (phone) bill payments and at gas stations (1.75% cash back on purchases made at Shell locations in Canada). The 10% cash back reward 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 transfer 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 cash back rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
- You will earn 1.5% cash back for each dollar you spend at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 1.5% cash back reward includes the base earn rate of 0.75% and the bonus of 0.75% for qualifying gas purchases, office supply store purchases, or cell phone/internet bill payments. To qualify for the bonus cash back 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: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). 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.
- 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.
- Cash back rewards earned are cumulative over the statement period. The awarding of cash back 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 Terms and Conditions of the BMO CashBack Business Mastercard. The number of cash back rewards will be rounded down to the nearest cent.
- 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).
- Please refer to your BMO Mastercard Cardholder Agreement for more information.
- 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.
- a) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
b) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.
- 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.