BMO CashBack® Business Mastercard®*  🇨🇦

Business Card
BMO CashBack® Business Mastercard®*  🇨🇦
Welcome Bonus
Up to $125 cash back
Annual Fee
$0
  • No annual fee
  • Free Supplementary Cards
  • Accepted at Costco
Interest rates
Purchase Rates
19.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %

Bmo Cashback No Fee Business Rgb Fre For Online
BMO CashBack® Business Mastercard®*
Business Card
Up to $125 cash back
Apply Now

Offer

Welcome offer:

  • Get 10% cash back on gas, office supplies and cell phone/internet bills for 3 months*
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*

 

  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
  • 1.75% cash back at Shell®*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • You can now use your BMO Mastercard at Costco stores across Canada
  • No annual fee*.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Balance Transfer
Balance Transfer Intro Duration 9 month(s)
Balance Transfer - Promotional Rate 0.00%
Balance Transfer Fees 3%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to $125 cash back
Minimum Spending Required $5,000
Minimum Spending Timeframe (Months) 3 month(s)
Costco

Earnings

Per dollar of purchases

All Spending 0.75 %
Groceries 0.75 %
Gas 1.5 %
Dining and Food delivery 0.75 %
Convenience Stores 0.75 %
Drugstores 0.75 %
Local Transport 0.75 %
Travel 0.75 %
Entertainment 0.75 %
Recurring Payments 1.5 %
Telecom/Internet 1.5 %
Streaming services 0.75 %
Online transactions 0.75 %
Office Supplies 1.5 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

The BMO CashBack Business Mastercard is one of Canada’s best cashback Mastercard business credit cards.

You can get 10% cash back for three months on:

  • gas purchases
  • office supply purchases
  • cell phone/internet payments

After that, you’ll get 1.5% on these purchases and 1.75% at Shell.

You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).

Frequently Asked Questions

Alternative Cards

Business Card
  • No annual fee
  • Free Supplementary Cards
  • Accepted at Costco
Learn More
  • Welcome Offer: Get 1,000 AIR MILES Bonus Miles – That’s enough for over $100 towards your purchases with AIR MILES Cash!*
  • Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.*
  • Earn 1 AIR MILES Reward Mile on every $20 you spend*
  • Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • You can now use your BMO Mastercard at Costco stores across Canada

 

Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending0.05miles
  • Groceries0.05miles
  • Gas0.05miles
Value
  • Year 1 $253
  • Year 2+ $138
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Business Card
  • 4X miles at participating AIR MILES partners
  • Virtual health care offered by Maple
  • Accepted at Costco
Learn More
  • Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months.
  • Plus, we’ll waive the $149 annual fee for a year.*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • Get 1 Mile for every $12 you spend*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • You can now use your BMO Mastercard at Costco stores across Canada
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $149
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • AIR MILES partners0.33miles
  • All Spending0.08miles
  • Groceries0.08miles
Value
  • Year 1 $715
  • Year 2+ $72
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Business Card
  • 4X points on gas, office supplies, cell phone and internet bills
  • Access to VIP Lounges
  • Accepted at Costco
Learn More

Welcome offer:

  • Get up to 70,000 BMO Rewards points in your first year.
  • Plus, we’ll waive the $149 annual fee for the first year!
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*

 

  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
  • You can now use your BMO Mastercard at Costco stores across Canada
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Our Liability Waiver Program protects your business against employee card abuse*
  • 25 payment grace days*
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $149
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 17.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Gas4Points
  • Telecom/Internet4Points
  • Office Supplies4Points
Value
  • Year 1 $996
  • Year 2+ $231
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
3.5 Milesopedia Rating