Illustration, not the actual card design.
BMO · Earns BMO Blue Rewards points · Business card
BMO Blue Rewards World Elite Business Mastercard
Annual fee
$175 · waived year one
Welcome offer
Up to 150,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $10,000 in your first 110 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$700
+$700 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
$175
+$350 welcome bonus
+$0 yearly credits
−$175 fee
Every year after
−$175
Costs $175 a year until your spending covers it.
Plus 4 benefits with no fixed dollar value, like Airport Lounge Passes, Avis and Budget rental discount and Maple Virtual Care. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 30, 2027. Not available to current or former BMO Blue Rewards World Elite Business Mastercard cardholders who reinstate a closed account or open a new account for the same card during the offer period. Existing BMO credit card cardholders who transfer into this card during the offer period are not eligible.
- 1Spend $10,000 in your first 110 days50,000 pts≈ $350 est.Year 1
- 2Spend $20,000 in your first 180 days50,000 pts≈ $350 est.Year 1
- 3Spend $30,000 in your first 365 days50,000 pts≈ $350 est.Year 2
- First-year annual fee waived$175savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.7¢ per BMO Blue Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Gas & Fuel | 2.5 pts per $ | 1.75¢ |
| Everything else | 1.25 pts per $ | 0.88¢ |
What else you get
Perks
- Airport Lounge Passes
4 complimentary lounge passes per calendar year through Mastercard Travel Pass (DragonPass), then US$32 per person per visit
Enroll first - Avis and Budget rental discount
Up to 30% off at Avis and up to 35% off at Budget when you prepay
- Maple Virtual Care
5 covered Maple virtual care visits every calendar year (January to December), for the primary cardholder and a co-owner
Enroll first - Roadside Assistance
DAA BMO Roadside Assistance Program (Basic Coverage)
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by BMO. Card and program names belong to their owners.
Details last checked Oct 11, 2026.