Our personal credit cards come with great benefits and rewards, and help you keep your finances separate.
BMO Business Platinum Rewards Credit Card
Get rewarded for your everyday purchases. Your points won’t expire, and you can use them for what you really want: gift cards, cash, travel and more.
Welcome offer:
Earn a welcome bonus of up to 100,000 rewards points in your first year! footnote 1 Earn 50,000 bonus rewards points when you spend $5,000 within 3 months of account opening, plus an additional 50,000 bonus rewards points when you spend at least $50,000 within 12 months of account opening. footnote 1
How you’ll get rewarded
Earn 5x points
For every $1 you spend on internet and phone services footnote *
Earn 4x points
For every $1 you spend on office supplies and printing footnote *
Earn 3x points
For every $1 you spend at gas stations footnote *
Earn 2x points
For every $1 you spend on eligible dining purchases footnote *
footnote *Up to $750 spent per category each quarter
Plus, earn unlimited 1x point per $1 spent on all other eligible purchases. footnote 1
Your rates at a glance
Annual fee | Introductory APR | Standard APR |
|---|---|---|
| $0 | 0% introductory APR on purchases for 9 months from date of account openingfootnote 2 | 19.49% - 28.49%Variable APR based on your creditworthiness. |
An easier way to apply for and manage your business credit card
Get a decision in minutes
Easily apply online for a credit card and you could get a decision in minutes.
Verify your ID with a selfie
We may ask you to take a photo of your ID and snap a selfie to verify your identity without a branch visit.
Manage your card online
Make payments, view transactions and manage your alerts in one easy-to-use tool.
Get even more perks with your business card
Earn rewards on your everyday purchases and redeem points for travel, gift cards, merchandise or cash back footnote 1
Your points don’t expire as long as your account is in good standing
Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®
Enjoy discounts on Intuit QuickBooks® and TurboTax® to streamline your accounting and simplify your taxes footnote 3
Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business
Get $600 cell phone protection when you charge your monthly wireless telephone bill to your card footnote 4
How will you use your points?
Pay me back
Morning latte
900 points
Travel
Chicago – New York
16,000 points
Big purchases
Apple® AirPods®5
32,500 points
Enjoy even more benefits – explore them all
Shopping benefits
Travel benefits
Additional benefits
Business Rewards Credit Card FAQs
We’ve got all your banking needs covered
Loans and lines of credit to grow your business
We offer low rates and flexible lending options so you can get the funding you need to take your business to the next level.
Pair it with a personal credit card
Take the next step toward better business banking
Schedule a chat
We’ll reach out by phone or email at a time that’s convenient for you.
Apply online
Applying for a credit card is easy and you could get a decision in minutes.
Give us a call to apply for a credit card or ask questions: 1-888-360-6417
- footnote 1 details Participation in BMO Flex Rewards is subject to terms and conditions found in the BMO Flex Rewards Program Rules, available at www.bmo.com/businessplatinumrewardsrules. The Account must be current and in good standing to accrue and redeem points. While points don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points. All accrued points not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. Point values are subject to change at any time. Introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three-month period. Information regarding rates and offers is subject to change. For the most up-to-date offers available, please visit www.bmo.com/businesscard
- footnote 2 details 0% introductory APR on Purchases valid for the first nine (9) months from account opening date. Please refer to the Summary of Credit Terms for important information about rates and fees.
- footnote 3 details See offer terms and conditions at intuit.me/quickbooks_mc. Intuit, QuickBooks and TurboTax are registered trademarks of Intuit Inc. Terms and conditions, features, support, pricing, and service options subject to change without notice. TurboTax Terms of Service can be found at https://turbotax.intuit.com/corp/terms-of-service.jsp and TurboTax Product Guarantees and other important information are located at https://turbotax.intuit.com/lp/yoy/guarantees.jsp.
- footnote 4 details Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim, and is subject to a $50 co-pay per claim. $1,000 maximum claim benefit per 12 months. Refer to the Mastercard Guide to Benefits for more information.
- footnote 5 details Apple is a trademark of Apple Inc., registered in the U.S. and/or other countries.
- footnote 6 details Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
- footnote 7 details Doubles the original manufacturer’s (or U.S. store brand) warranty for up to one year on most new items purchased with your eligible Mastercard card that have an original manufacturer’s warranty of one year or less. Refer to the Mastercard Guide to Benefits for more information.
- footnote 8 details Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase. Refer to the Mastercard Guide to Benefits for more information.
- Mastercard®, Mastercard® Easy Savings®, Mastercard® Global ServiceTM, MasterRental® and Priceless Cities® and the Mastercard Brand Mark are trademarks of Mastercard International Incorporated. Refer to the Mastercard Guide to Benefits for more information.
- Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.