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

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Conditions apply

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

Welcome Bonus

1,000 miles

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

22.99 %

Your Monthly Spending


  • 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*
  • You can now use your BMO Mastercard at Costco stores 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%


Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Accumulated rewards
Annual fee
Net value


Welcome Bonus amount 1,000 miles
Minimum Spending Required $3,000
Minimum Spending Timeframe (Months) 3 month(s)


Per dollar of purchases

All Spending 0.05 mile
Groceries 0.05 mile
Gas 0.05 mile
Dining and Food delivery 0.05 mile
Convenience Stores 0.05 mile
Drugstores 0.05 mile
Local Transport 0.05 mile
Travel 0.05 mile
Entertainment 0.05 mile
Recurring Payments 0.05 mile
Telecom/Internet 0.05 mile
Streaming services 0.05 mile
Online transactions 0.05 mile
Office Supplies 0.05 mile


Travel Insurance

Insurance Name
Travel Medical Insurance
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

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
3 Milesopedia Rating