BMO AIR MILES® No-Fee Business® Mastercard®*

BMO AIR MILES® No-Fee Business® Mastercard®*

The Best No-Fee AIR MILES Credit Card for small business owners.

For a limited time, Get 1,000 AIR MILES Bonus Miles with this offer!

Welcome Bonus

1,000 Bonus Miles



Best For

Annual Fee


Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

22.99 %


  • Get 1,000 AIR MILES Bonus Miles – that’s enough for $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*
  • 25 payment grace days*
  • Use your card at Costco locations across Canada*

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%
Cash Advance Rate (QC) 21.99%


Welcome Bonus 1,000 Bonus Miles
Minimum Spending Required $3,000
Rewards Type Travel points
Transfer Partners AIR MILES
Loyalty Program AIR MILES
Online transactions 0.05
AIR MILES partners 0.05
Air Canada 0.05
Streaming services 0.05


For all the credit card offers, we estimate the first year Offer Value according to:

  • Value of the Cashback or Points earned with the Offer
  • Value of the Benefits or travel credits earned with the Offer
  • Annual fee offer (first-year rebate or not)


Offer Value calculation
for the first-year
Point Value (according to milesopedia) 10.5 ¢
Welcome Offer Value ≈ $105
Points earned with minimum purchases to get the Welcome Offer
(1 Mile per $20 in Card purchases)
≈ $13
Annual fee $0
Estimated Value ≈ $118