Pros & Cons
Pros
- Welcome Bonus: 30,000 points
- Up to 10x with the partner brand
- No annual fee
Cons
- Foreign Transaction Fee (2.5%)
Our Review
The BMO® Blue Rewards Business Mastercard®* is a no-annual-fee card that stands out if your business already shops with Blue Rewards partners. It also suits businesses that regularly fuel or charge their vehicles and have a clear use for Blue Points.
The 30,000-Blue-Point welcome bonus
You earn 30,000 Blue Points after $3,000 in eligible net purchases in the first 110 days after opening the account. The offer applies to applications received through June 2, 2027.
Where your points add up
- 10 Blue Points per dollar at participating partners, up to $15,000 in eligible net purchases per calendar year.
- 2 Blue Points per dollar on eligible gas and electric vehicle charging, up to $1,000 in net purchases per statement cycle.
- 1 Blue Point per dollar on other eligible purchases and on spending above the caps.
What a typical month could earn
With $200 in eligible partner purchases, $300 in eligible gas purchases outside those partners, and $700 in other eligible purchases each month, your business would earn 39,600 Blue Points a year before the welcome bonus. Before choosing this card, check which partners are already in your spending mix and where you’d redeem the points.
Rewards
All Spending
1x
Blue Rewards pts per dollar
With the partner brand
10x
Blue Rewards pts per dollar
Gas
2x
Blue Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
32,400
Blue Rewards/yr
Estimated Value
$217
After Fees
+$217
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$418
incl. welcome bonus
Annual rewards breakdown
Additional Benefits
- H&R Block: 30% off eligible DIY and assisted tax preparation services.
- Cirque du Soleil: 20% off eligible Canadian touring shows and 15% off eligible resident shows in Las Vegas, subject to availability.
- Instacart: Three months of Instacart+ and a $5 monthly credit when you enrol your eligible card. Terms apply.
- Mastercard Easy Savings: Automatic rebates at qualifying merchants.
See BMO’s card benefits and terms for eligibility and exclusions.
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate20.99%
- Cash advance rate23.99%
Terms & Conditions
Card Features
Welcome offer: get 30,000 bonus points when you spend $3,000 in net purchases within the first 110 days from the account open date. Applications must be received between June 2, 2026 and June 2, 2027.
- Earning: 10 Blue Points per dollar at participating Blue Rewards Partners, up to $15,000 in net purchases per calendar year; 2 points per dollar on gas and electric vehicle charging, up to $1,000 in net purchases per statement cycle; 1 point per dollar on all other purchases.
- The account must be approved, open and in good standing. The offer is not available to current or former cardholders of this card, nor to BMO credit cardholders transferring into this product. The offer may be changed or withdrawn at any time.
Legal
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Sparks and Bloom may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.
