BMO CashBack® Business Mastercard®*  🇨🇦

Business Card
Welcome Bonus
Up to $125 cash back
  • No annual fee
  • Free Supplementary Cards
  • Accepted at Costco
Annual Fee
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


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%


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


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


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 %


Travel Insurance

Insurance Name
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
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

3.5 Milesopedia Rating