BMO AIR MILES No-Fee Business Mastercard Terms & Conditions


  1. 1. BMO AIR MILES No Fee Business Mastercard applications must be received between December 17, 2020 and October 31, 2024 (the “Offer Period”). Up to 1,000 AIR MILES Bonus Miles offer is limited to new BMO AIR MILES No Fee Business Mastercard accounts. Existing BMO AIR MILES No Fee Business Mastercard customers who cancel their card during the Offer Period, and existing BMO Business Mastercard customers who transfer into this product during the Offer Period are not eligible. 1,000 Bonus Miles will be awarded when you spend $3,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the account open date and will be applied to your Collector Account within forty-five (45) days after qualifying. The 1000 Bonus Miles will appear on your BMO credit card statement. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. Limit of one Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice.

    *Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash increments of 95 Cash Miles for every $10 worth of value from participating Reward Partners. Standard daily Cash Miles usage limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
  2. 2. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
  3. 3. Offer is cumulative over the statement period. Additional Miles will be earned on purchases made at Shell locations in Canada (including, Beaver, Turbo and Payless) to a maximum of $2,500 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.
  4. 4. 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.
  5. 5. A maximum of 22 additional employee cards can be added to a primary cardholder's account. 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.
  6. 6. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Business Credit Card Waiver of Liability Program description, which is sent to new cardholders. Program benefits provided by BMO Bank of Montreal and administered by Assurant Services Canada Inc. Assurant Services Canada Inc., its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®†.
  7. 7. This offer is available only to AIR MILES collectors who have linked their BMO credit card with their AIR MILES collector account. To receive the savings at the pump, the eligible AIR MILES collector number must be connected to your BMO credit card and the eligible AIR MILES collector number must be valid at the time of the purchase transaction.

    To qualify for the offer, eligible collectors with a BMO credit card:

    Can receive their fuel discount at the pump once the customer input their AIR MILES collector number and complete the payment with the BMO credit or debit card that has been linked to their AIR MILES collector account.

    BMO AIR MILES credit card holders with a valid AIR MILES collector account will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell V-Power NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2024, to a maximum of 1,000 litres in one month.

    BMO non-AIR MILES credit card holders, including other BMO Mastercard and BMO Visa* holders must link their credit card to an existing or new AIR MILES collector account at airmilescardlink.ca/bmo-shell-benefit to be valid for this offer. The Opt-in process might take up to 5 days before the benefit is provided, then eligible AIR MILES collectors will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell V-Power NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2024, to a maximum of 1,000 litres in one month. This is a limited time offer and may be changed, extended, or withdrawn at any time without notice.

    All BMO AIR MILES Mastercard credit card holders are automatically linked to their AIR MILES collector card, and thus, are automatically eligible for this offer.

    All BMO non-AIR MILES Mastercard credit holders, by linking their BMO Mastercard to their AIR MILES collector card, are automatically enrolled in this Shell CPL offer and in other AIR MILES card-linked offers. To learn more about other AIR MILES card-linked offers, visit https://www.airmilescardlink.ca/.

    BMO, AIR MILES, and Shell reserve the right, in their sole discretion, to suspend, disqualify, limit or revoke this offer to any person or account holder manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. This offer will be in addition to any other offers available for you.

    Shell and their affiliates are not liable or responsible for any of the services and products offered/provided by BMO. Please note that any information you provide directly to Shell or that Shell obtains about you as a Shell customer or participant will be governed by Shell’s Privacy Notice.

    Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement or BMO Visa Cardholder Agreement.

  8. 8. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To use Miles for Merchandise and Event Rewards, you must have accumulated sufficient Dream Miles in your Collector Account. Some restrictions may apply. Quantities may be limited. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. AIR MILES Loyalty Inc. makes no representations or warranties, expressed or implied. For complete details, see current Program Terms and Conditions available at airmiles.ca.
  9. 9. Visit mastercard.ca/easysavings for a full list of Terms and Conditions.
  10. 10. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca

    CUMIS General Insurance Company

    P.O. Box 5065,

    151 North Service Road

    Burlington, Ontario L7R 4C2

    Canada

    1-800-263-9120

    www.cumis.com

  11. 11. Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.