BMO AIR MILES World Elite Business Mastercard Terms & Conditions


  1. 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 Terms and Conditions of the AIR MILES Reward Program 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.

  2. a. The value of up to $1,600 could be earned in the first year of Account opening and is based on the combined total value of:

    • $149: The annual fee waiver in the first year.
    • $613: Premium benefits including five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP) plus complimentary membership in Mastercard Travel Pass provided by DragonPass ($93 CAD = $68 USD based on an approximate exchange rate of $1.38 USD as of November 1, 2023).
    • $840: Value in 8,000 Cash Miles.

    b. BMO AIR MILES® World Elite®* Business Mastercard®* applications must be received between June 18, 2025 and June 12, 2026 (the “Offer Period”) to be eligible for the AIR MILES Bonus Miles and Annual Fee Refund offers (each an “Offer” and collectively the “Offers”). Offers are limited to new accounts. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the Offer Period, and existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for the Offers.

    Up to 8,000 AIR MILES Bonus Miles (up to $840 in value with Cash Miles)

    Eligible approved applicants will receive:

    • A bonus of 3,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 110 days after the credit card account open date after you spend a minimum of $5,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 3 months after the account open date.
    • A further bonus of an additional 2,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 180 days after the account open date when you spend a minimum of $18,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 6 months after the account open date.
    • An additional bonus of 3,000 Bonus Miles will be applied the primary Credit Cardholder’s Collector Account 365 days after the account open date when you spend $35,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date.
    • All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Welcome Offer per Collector Number.

    Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.

    c. Annual Fee Waiver Offer ($149 in value): The primary cardholder annual fee of $149 will be waived in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.

    d. Premium benefits including five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP). Maple’s physicians, nurse practitioners, and allied healthcare professionals are Canadian licensed and practice in their respective fields right here in Canada. If a cardholder is outside of their province of residence or abroad, they can still access their visits on Maple and connect with these professionals. For an additional fee, Maple also offers access to a wide variety of specialists such as dermatologists and endocrinologists. For additional information about the terms and conditions, visit https://www.getmaple.ca/terms/.

    The primary cardholder and a co-owner (if applicable) on the BMO AIR MILES World Elite Business Mastercard credit card account, will each receive an onboarding email from Maple within the first 14 days the BMO AIR MILES World Elite Business Mastercard credit card account is opened. The primary cardholder and co-owner must register through this email invite in order to access their covered visits and are subject to the terms provided by Maple for use of its services. So long as BMO offers eligible cardholders access to this benefit, the 5 covered visits will renew every calendar year (January to December). If the BMO AIR MILES World Elite Business Mastercard credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.

    e. Mastercard Travel Pass benefit (Value of US $68 = $95 CAD based on exchange rate of 1.40 December 5, 2024): includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard, BMO Cashback World Elite Mastercard, or BMO AIR MILES World Elite Business Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.

    Cardholders must enroll for this benefit, either through the Mastercard Travel Pass App (available to download for free) or on the Program Website (mastercardtravelpass.dragonpass.com) using a valid Canadian issued BMO World or World Elite Mastercard.

  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. A maximum of 22 additional employee cards can be added to a primary cardholder’s account. Employee cards have an annual fee of $50 for every additional cardholder added to the 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.
  5. 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®†.
  6. 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.
  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. Mastercard Travel Pass benefit includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Elite Business Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.
  9. Visit mastercard.ca/easysavings for a full list of Terms and Conditions.
  10. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO AIR MILES World Elite Business Mastercard 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. 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

  12. Maple’s physicians, nurse practitioners, and allied healthcare professionals are Canadian licensed and practice in their respective fields right here in Canada. If a cardholder is outside of their province of residence or abroad, they can still access their visits on Maple and connect with these professionals. For an additional fee, Maple also offers access to a wide variety of specialists such as dermatologists and endocrinologists. For additional information about the terms and conditions, visit https://www.getmaple.ca/terms/.

    The primary cardholder and a co-owner (if applicable) on the BMO AIR MILES World Elite Business Mastercard credit card account, will each receive an onboarding email from Maple within the first 14 days the BMO AIR MILES World Elite Business Mastercard credit card account is opened. The primary cardholder and co-owner must register through this email invite in order to access their covered visits and are subject to the terms provided by Maple for use of its services. So long as BMO offers eligible cardholders access to this benefit, the 5 covered visits will renew every calendar year (January to December). If the BMO AIR MILES World Elite Business Mastercard credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.
  13. For BMO World Elite Business Mastercard and BMO World Elite AIR MILES Business Mastercard credit card products: The name, language preference, and email address of the owner (and co-owner, as applicable) will be shared with Maple, so that Maple can send the owner(s) an email invitation to create their Maple account for access to 5 free virtual care visits (you can choose to connect with a doctor in minutes). Registration is optional. Maple is a Canadian virtual care provider offering access to online doctors, virtual healthcare & prescriptions in Canada. You are providing consent to share this information with Maple if your application is approved. For more information about Maple, visit: https://www.getmaple.ca/bmo-cards/.
  14. 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

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