You've been pre-approved¹ for
BMO^® Ascend World Elite^®* Business Mastercard^®*

1. This pre-approved offer is based on your credit and financial information the Bank of Montreal has obtained. We reserve the right to withdraw this offer at any time.

2. BMO Ascend World Elite Business Mastercard applications must be received by August 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Ascend World Elite Business Mastercard cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice. Earn 50,000 BMO Rewards welcome bonus points when you spend a minimum of $10,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening. Earn an additional 50,000 BMO Rewards bonus points when you spend a minimum of $20,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 180 days of account opening. Earn a further 50,000 BMO Rewards bonus points when you spend a minimum of $30,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days of account opening. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the bonus points to be credited to your BMO Rewards Account. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Rewards earned within that period may be cancelled. To receive Welcome Bonus Points, your credit card account must be open and in good standing. Both eligible travel and non-travel purchases can be redeemed up to 90 days after the purchase date. To be eligible for the travel redemption rate of 150 points per $1 value, travel purchases must be made at merchants that are classified as airlines, car rental agencies, hotels/resorts, vacation packages, cruise lines, eligible vacation rentals, passenger railways, timeshares, travel agencies and tour operators. For all other non-travel purchases, you can redeem at a rate of 200 points per $1 value. Please refer to the Pay with Points section of bmorewards.com for extended Terms and Conditions. The primary cardholder’s annual fee of $175 and the first two Additional Cards’ annual fee of $50 per card, issued for the same Business Borrower, if any, will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary owner’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. To receive the first-year annual fee rebates for the first two Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account while the Offer is in effect. The Annual Fee for any subsequent years will continue to apply. Your new credit card account must be open and in good standing at the time the rebate is awarded.

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. You will earn 4 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 4 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards points for each dollar you spend and the bonus of 2.5 BMO Rewards points for each dollar you spend in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus reward points, 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. After you reach yearly cap of $50,000 in qualifying gas, office or cell phone/internet purchases, you will earn 1.5 BMO Rewards points for each dollar you spend on these purchases and on all other eligible purchases made with the card.

5. Subject to the BMO Rewards Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Ascend World Elite Business Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and nonqualifying transactions from time to time.