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BMO Gold AIR MILES MasterCard for Business

 

 

 

 

BMO Gold AIR MILES MasterCard for Business
  • Limited time offer: Earn 1,000 Bonus AIR MILES reward miles after your first card purchase.1 Plus, Get 1 Mile for every $10 in card purchases for the first 3 months.2
  • Get 1 Mile for every $15 in card purchases3
  • $119 annual fee for business owner card4
  • Interest rate 19.99% purchases and fees. 22.99% cash advances4
  • Add up to 10 Employee Cards, with a liability waiver program for protection against employee card abuse
  • Enjoy automatic rebates for purchasing goods and services from preferred Easy Savings merchants with MasterCard Easy Savings.

Exclusive offer for BMO Private Banking clients: The first year annual card fee will be waived on the BMO Gold AIR MILES MasterCard for Business, a savings of $119. And, in subsequent years, all annual card fees associated with the account will be waived if spend within a 12-month spend is $50,000 or more.


 

 


 

Best for

 

Business owners who want to earn rewards
and fly sooner with our highest earning rate.

 

  • Those who want employees to have purchasing power
  • Owners who want protection against employee card abuse
  • Those who enjoy easy and automatic rebates at participating merchants
  • Business owners who want to be rewarded for using their credit card
  • Those who want employees to have purchasing power
  • Owners who want protection against employee card abuse
  • Those who enjoy easy and automatic rebates at participating merchants

Need help?

 

 

We'll help you choose a credit card that's right for your business.

Need help?

 

We'll help you choose a credit card that's right for your business

 

 

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More information to help you choose

 

 

Features & Benefits

Features & Benefits

 

See if this product provides you with what you need out of a credit card. If you want to view all of our business cards at a glance, go here.

Special offers:
  • 1,000 AIR MILES Bonus Miles, for a limited time1
  • Get 1 Mile for every $10 in card purchases for the first 3 months2

 

Rewards:
  • 1 Miles for every $15 in business card purchases3
  • 1.25x Miles at Shell®††5 and 2x Miles when you use your card at National Car Rental®# and Alamo®# Rent A Car at participating locations6
  • Exclusive 25% discount on all AIR MILES flights in North America7

 

Acceptance:
  • Now you can use your BMO MasterCard at Costco locations across Canada

 

Protection:
Details

Details

  • 1 AIR MILES Reward Mile for every $15 in card purchases3
  • 1.25x Miles on all your card purchases at Shell locations in Canada5
  • 2x Miles when you use your card at participating National Car Rental and Alamo Rent A Car locations.6
  • Up to 25% rental discount at National Car Rental & Alamo Rent A Car10
  • Exclusive 25% discount on all AIR MILES flights in North America7

 

All Miles earned can be credited to your existing AIR MILES Collector Account. If you are not already an AIR MILES Collector, you will be enrolled in the Program.

 

Redeem for AIR MILES flights anywhere in North America for 25% fewer Miles with your BMO Gold AIR MILES MasterCard for Business. For example, you could redeem a 1,300 Miles flight for only 975 Miles6.

Includes:
  • BMO Premium BizAssist - provides access to a full suite of online resources designed to help your small business grow (valued at $149 annually).
  • Optional Employee Cards - empower employees with delegated purchasing authority
  • Liability Waiver Program - protects your business against employee card abuse
  • MasterCard Easy Savings - automatic rebates on qualified purchases at participating merchants
  • $119 annual fee for business owner card, $15/year per employee card

 

Interest rate 19.99% purchases and fees. 22.99% cash advances4

25 payment grace days4

Included in this card

Included in this card

 

Packed with included features, your BMO MasterCard for Business will keep you on the move and protected wherever you are. Emergency cash, roadside help and worldwide assistance means we're there when you need us most.

 

Online Account Access

Access your account information from wherever you log on.

 

Worldwide Acceptance

BMO MasterCard for Business is accepted at nearly 30 million locations worldwide.

 

BMO PowerSwitch®

Pay bills automatically with your BMO MasterCard for Business. It's safe, secure and saves you the inconvenience of contacting each biller directly. Here's a demo that explains the ease of PowerSwitch®. Login to BMO Online Banking now to get started.

 

Extended Warranty Insurance & Purchase Protection

For most of your BMO MasterCard for Business purchases, we'll double the original manufacturer's warranty period up to a maximum of one additional year, and most items will be insured against theft or damage for 90 days from the date of purchase12. Call 1 877 704-0341 (toll-free in Canada & United States) or 519 741-0782 (call collect from outside Canada & United States) to find out more. Insurance Certificate (KB - PDF)

 

Cash Advances

Get cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide13.

 

Lost or Stolen Card Replacement and Emergency Funds

When travelling outside of Canada, if your card is lost or stolen, you can get a replacement card or up to $1,000 in emergency funds usually within two business days. Simply visit a financial institution that honours MasterCard, designated card-replacement centres and cash-advance locations14.

 

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

 

Help on the Road

BMO pay-as-you-go RoadAssist is a Dominion Automobile Association (DAA) roadside service available 24/7 on almost any road in Canada and the United States. You're one phone call away from towing, jump-starts, fuel delivery or whatever emergency service you may need. All charges are conveniently billed to your BMO MasterCard for Business. Call 1-866-731-4998 for more information.

 

Convenient Bill Payment Options

Pay your BMO MasterCard for Business bill by Pre-Authorized Payment, at any BMO ATM, by mail, phone, online or at any BMO Bank of Montreal branch.

 

Toll-free Customer Service

Call 1-800-263-2263 toll-free for customer service in English, French, Cantonese or Mandarin or TTY: 1-866-859-2089.

 

Identity Theft Assistance

IDefence®†# is a program that provides information on identity theft prevention and assistance. Should you become a victim of identity theft, IDefence will help you find the fastest and most efficient way to correct your financial information and restore your personal reputation. Visit IDefence or call 1-866-323-7187.

 

BMO MasterCard for Business Liability Waiver Program

Automatically protects you and your business against employee card abuse to a maximum of $50,000 per cardholder. A minimum of two (2) employee cards is required.

 

Your security. Our priority.

BMO MasterCard for Business 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.

 

The simpler way to pay™*

BMO MasterCard for Business featuring 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.

 

Optional with this card

Optional with this card

 

Roadside assistance is just a call away!

On almost any road in Canada and the continental United States, you can feel confident that help is nearby with the BMO optional Roadside Assistance program16. Choose BMO Basic Roadside Assistance or BMO Enhanced Roadside Assistance1 to accommodate all your roadside assistance needs16. Plus, the BMO optional Roadside Assistance program covers all additional cardholders (employees) for free16! Call 1-800-263-2263 (TTY: 1-866-859-2089) to purchase peace of mind today!

 


Our Partners

 

  • AIR MILES Reward Program

     

    Turn your credit card purchases into exciting rewards. Redeem AIR MILES reward miles for your next vacation, the latest gadget, tickets to an upcoming event or just about anything on your wish list.

    Earn reward miles with every BMO AIR MILES MasterCard purchase at more than 30 million locations worldwide and collect twice when you shop at the growing list of over 100 AIR MILES Sponsors across Canada when you show your AIR MILES Collector Card.

    Visit airmiles.ca for more information about the AIR MILES Reward Program.

  • Alamo Rent A Car

     

    Alamo Rent A Car serves family and leisure travelers with fun, friendly service and low-cost, high value vehicles through a network of more than 1,200 locations throughout the United States, Canada, Europe, Latin America and the Caribbean.

    Earn additional AIR MILES reward miles with a BMO AIR MILES MasterCard or additional CashBack with a BMO CashBack MasterCard at Alamo Rent A Car locations worldwide. Enjoy discounts of up to 25% on rentals at Alamo Rent A Car locations worldwide.

    Visit alamo.ca for more information about Alamo Rent A Car.

  • National Car Rental

     

    National Car Rental is one of Canada's largest car rental companies operating in over 3,000 locations throughout Canada, U.S. Europe, Latin America, the Caribbean, Asia-Pacific, Africa and Australia. National Car Rental's exceptional service and quality vehicles make it the car rental agency of choice for many travellers. Members of their Emerald Club frequent renter program enjoy special offers, travel discounts, exclusive reservation and member services hotline numbers and more.

    Earn additional AIR MILES reward miles with a BMO AIR MILES MasterCard or additional CashBack with a BMO CashBack MasterCard at National Car Rental locations in Canada. Enjoy discounts of up to 25% on rentals as well as Emerald Club ®†† benefits at National Car Rental.

    Visit nationalcar.ca for more information about National Car Rental.

  • MasterCard

     

    MasterCard Worldwide advances global commerce by providing a critical link between financial institutions and millions of businesses, cardholders and merchants worldwide. Through the company's roles as a franchisor, processor and advisor, MasterCard develops and markets secure, convenient and rewarding payment solutions, seamlessly processes more than 16 billion payments each year, and provides industry-leading analysis and consulting services that drive business growth for its banking customers and merchants. With more than one billion cards issued through its family of brands, including MasterCard ®*, Maestro ®* and Cirrus ®*, MasterCard serves consumers and businesses in more than 210 countries and territories, and is a partner to 25,000 of the world's leading financial institutions. No payment card is more widely accepted than MasterCard, which is accepted at 30 million merchant locations worldwide.

    Visit mastercardworldwide.com for more information.

  • Shell

     

    Shell Canada's network of stations provides high quality fuels and conveniences items to customers across Canada. Building on Shell's expertise in fuels technology and innovation, Shell's Nitrogen enriched gasolines, Shell V-Power TM‡‡ gasoline and Top Tier designation underscore the company's pursuit of the cleanest, most efficient fuels possible.

    Earn additional AIR MILES reward miles with a BMO AIR MILES MasterCard or additional CashBack with a BMO CashBack MasterCard at Shell locations in Canada.

    Visit shell.ca for more information about Shell Canada.


Next steps

 

 

Switch to BMO

Switch to BMO easily & seamlessly

Whether you’re switching to BMO, or you already bank with us, we’ll assist you with transferring your pre-authorized payments and deposits to BMO.

 

Visit one of our branches, give us a call, or make an appointment to get started. The transfer generally takes four to six weeks to complete, and after that, you’ll be good to go.

 

 

 

 

 

Ways to bank

Ways to bank from in-person, to online or mobile or tablet

Count on hassle-free access to your business accounts

 

Bank online, by phone or using your mobile device 24 hours a day, 7 days a week, 365 days a year1

 

Take advantage of over 900 BMO® branches across Canada offering a full range of financial services

 

Access your money, make deposits, transfer funds, get account balances and pay bills at any BMO® ATM

 

 

 

 

Use your BMO Debit Card for Business to make purchases anywhere you find the Interac®‡ Direct Payment in Canada and the Maestro®* network anywhere else in the world.

 

Call us seven days a week (8 a.m. – 8 p.m. EST), we're here to help. For questions, call the Customer Contact Centre – Commercial Service at 1-866-859-2089 or TTY 1-866-859-2089

BMO MasterCard for Business Account Agreement and Fees and Pricing

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A simple and flexible financing solution that lets you borrow what you need, when you need it9.

 

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™BizzAssist is a registered trademark of D+H

®* MasterCard is a registered trademark of MasterCard International Inc.

®†AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.

®††Registered trademark of Shell Canada Limited. Used under license by Shell Canada Products. Used with permission by Bank of Montreal

®#† National, the 'flag' and Emerald Club are trademarks of Vanguard Trademark Holdings USA, LLC

®#†Alamo is a trademark of Vanguard Trademark Holdings USA, LLC.

®†#IDefence® is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.

 

1Offer expires October 31, 2016. 1000 Bonus Miles offer is limited to new BMO AIR MILES MasterCard for Business card accounts and will be applied to your AIR MILES Collector Account (“Collector Account”) within sixty (60) days after your first card purchase. Applications must be received between May 1, 2016 to October 31, 2016. Limit of one (1) Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled.

 

2Availability is subject to meeting the bank's credit granting criteria. Applications must be received May 1, 2016 to October 31, 2016 (the "Campaign Period"). During the Offer Period (defined below), you will receive 1 Mile for every $10 in purchases charged to the BMO AIR MILES MasterCard for Business card. The 1 Mile for every $15 rewards offer applies only to an approved Qualifying Applicant’s business owner’s card (employee cards are excluded) and offer starts once the account is opened and in respect of qualifying purchases made during the first three (3) billing cycles of that new business owner’s card (the “Offer Period”) after opening. If you cancel your card within ninety (90) days of opening your account, the Bonus rewards will be cancelled. The number of AIR MILES rewards will be rounded down to the nearest cent. Fractions of AIR MILES rewards will not be awarded.

 

3Offer is cumulative over the statement period. Award of AIR MILES Reward Miles 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 AIR MILES Terms and Conditions and BMO MasterCard for Business Account Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.

 

4Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. See your branch; call the Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.

 

5Offer is cumulative over the statement period. Miles will be earned on purchases made at Shell locations in Canada (including Beaver, Turbo and Payless) to a maximum of $2,500.00 in Shell purchases per Owner card and $500.00 per Employee card in any monthly billing period. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.

 

6Miles will be earned on car rentals at participating National Car Rental and Alamo Rent A Car locations worldwide, on a per-transaction basis.

 

7If you have the BMO Gold AIR MILES MasterCard for Business card, when you redeem Miles for a flight in North America you will receive a 25% discount from the number of AIR MILES reward miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska, excluding Puerto Rico and flight travel within the United States, and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient Miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto 416 226-5171).

 

8Important details, including additional limitations and exclusions of BMO Travel Protection for Business are contained in the booklet that will follow under separate cover with your BMO MasterCard for Business. Insurance benefits provided by Allianz Global Risks US Insurance Company.

 

9Common Carrier Accident Death and Dismemberment Insurance is provided by Chubb Insurance Company of Canada.

 

10Subject to meeting Bank of Montreal's usual credit granting criteria.

 

11The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation in order to receive discounts. Discount applies to basic rate, which does not include governmentally-authorized or imposed surcharges, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National & Alamo locations. Subject to change without notice. 24-hour advance reservations required.

 

12Subject to certain terms and conditions contained in the BMO MasterCard Insurance Extended Warranty and Purchase Protection certificate; please refer to the certificate for further details. Insurance benefits provided by Allianz Global Risks US Insurance Company.

 

13Subject to credit availability and verification of identity. Cash advance fees will apply. 1

 

14If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within twenty-four (24) hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one (1)unauthorized use of your card in the last twelve (12) months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.

 

15The Low Interest Rate Option (available on the Preferred Rate MasterCard for Business only) may be subject to additional credit granting criteria. Not all applicants may qualify. If you do not qualify for the Low Rate Option, you will be provided the standard ongoing interest rate.

 

16Membership terms and the features of the plan are described in the certificate that you will receive. Dominion Automobile Association requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.

 

 

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