Accelerate your business growth with Blue Rewards

®* Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license.
 
Blue Rewards and the Blue Rewards logo are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc. Partner, supplier and retailer trademarks are owned by the respective partner, supplier and retailer or authorized for their use in Canada.

*When redeemed in-store at participating partners or on eGift cards standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value  for full details.

**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.

BMO Blue Rewards Business Mastercard®:

1. Welcome Offer: BMO Blue Rewards Business Mastercard applications must be received between June 2, 2026 and June 2, 2027 (the “Offer Period”) to be eligible for this offer.   

Earn 30,000 Bonus Points when you spend a minimum of $3,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 from the accounts open date. 
This offer is not available to current or former BMO Blue Rewards 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 This offer may be withdrawn or changed without notice. 
Please allow up to 8 weeks after the condition of the offer is fulfilled for the bonus points to be credited to your Blue 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 Bonus Points, your credit card account must be open and in good standing. When redeemed in-store at participating partners or on eGift Cards; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details. 

2. BMO Blue Rewards Business Mastercard cardholders will get 10 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “10x the Points” multiplier is based on the base earn rate of 1 Point per $1 spent on card purchases (“Base Points”) and the bonus of 9 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Multiplier Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn base Points. The "10 times the Points" benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.

3. BMO Blue Rewards Business Mastercard cardholders will earn 2 Blue Points for every $1 in purchases in Canada at eligible automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). Automobile and vehicle fuel purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “10x the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit bmo.com/bluerewards10x. The 2 Blue Points includes the base earn rate of 1 Blue Point for every $1 spent in card purchases (“Base Points”) and the bonus of 1 Blue Point per $1 spent on eligible automobile and vehicle fuel purchases (“Bonus Points”). Bonus Points will be earned on eligible automobile and vehicle fuel purchases made at merchant locations in Canada up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542, MCC 5552. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the Blue Rewards Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.

4. Offer is cumulative over the statement period. Award of Points 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 Blue Rewards Program and the BMO Business Mastercard Cardholder Agreement. The number of Points will be rounded down to the nearest whole number. Fractions of Points will not be awarded.

BMO Blue Rewards World Elite®* Business Mastercard®:

5. Welcome Offer: BMO Blue Rewards World Elite Business Mastercard applications must be received between June 2, 2026 and September 6, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Blue Rewards 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 45,000 Bonus Points when you spend a minimum of $5,000 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 30,000 Bonus Points when you spend a minimum of $18,000 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 45,000 Bonus Points when you spend a minimum of $35,000 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 Blue Rewards Account. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing. 
When redeemed in-store at participating partners or on eGift card; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.  
The primary cardholder’s annual fee of $175 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 cardholder’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. Your credit card account must be open and in Good Standing at the time the annual card fee rebate is awarded. If an additional cardholder is added to the account within the first year, the Additional Card annual fee of $50 per card will be charged at a prorated rate and will not be waived or rebated.

6. BMO Blue Rewards World Elite Business Mastercard cardholders will get 12.5 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards  for partner details. This “10x the Points” multiplier is based on the base earn rate of 1.25 Points per $1 spent on card purchases (“Base Points”) and the bonus of 11.25 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $2,000 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The "10 times the Points" benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.

7. BMO Blue Rewards World Elite Business Mastercard cardholders will earn 2.5 Blue Points for every $1 in purchases in Canada at eligible automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). Automobile and vehicle fuel purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “10x the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit www.bmo.com/bluerewards10x. The 2.5 Blue Points includes the base earn rate of 1.25 Blue Points for every $1 spent in card purchases (“Base Points”) and the bonus of 1.25 Blue Points per $1 spent on eligible automobile and vehicle fuel purchases (“Bonus Points”). Bonus Points will be earned on eligible automobile and vehicle fuel purchases made at merchant locations in Canada up to a combined maximum of $1,000 in net purchases posted to your account per statement cycle. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542, MCC 5552. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the Blue Rewards Terms and Conditions and the BMO Business Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. 

8. Offer is cumulative over the statement period. Award of Points 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 Blue Rewards Program and the BMO Business Mastercard Cardholder Agreement. The number of Points will be rounded down to the nearest whole number. Fractions of Points will not be awarded.

9. 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 Blue Rewards 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.” Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice. As a BMO Blue Rewards World Elite Business Mastercard cardholder, use the four complimentary passes per calendar year for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. After using the complimentary passes, you and your travelling companion can continue to enjoy lounge access for a fee of just US$32 per person, per visit. For a complete list of open and eligible lounges, please visit mastercardtravelpass.dragonpass.com. To identify the primary cardholder on your account, please check the name on your monthly statement.

10. With the BMO Blue Rewards World Elite Business Mastercard and BMO Blue Rewards World Elite Business Mastercard you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate that you will receive or access the Certificate using the following link bmo.com/sb-roadsideassistance. DAA requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.

11. 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 Blue Rewards World Elite Business Mastercard credit card account, will each receive an onboarding email from Maple within the first 14 days the BMO Blue Rewards 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 Blue Rewards World Elite Business Mastercard credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.

12. For BMO Blue Rewards 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: getmaple.ca/bmo-cards