You've been pre-approved¹ for
BMO World Elite^®* Business Mastercard^®*

1. This pre-approved offer is based on your credit and financial information the Bank of Montreal has obtained. We reserve the right to withdraw this offer at any time.

2. BMO World Elite Business Mastercard applications must be received by February 28, 2025 (the “Offer Period”) to be eligible for this offer. 20,000 BMO Rewards points will be applied to your BMO Rewards Collector Account only after the first eligible Purchase is made on the account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first 75 days after the account open date, as long your account is open and in good standing at the time you qualify for the points. 20,000 BMO Rewards first-use bonus points will be credited to your Collector Account within three (3) business days following the qualifying spend. Receive additional 8,000 BMO monthly Rewards points after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) per month within month 3 – 12 (Month 3 starts on Day 76 and Month 12 ends Day 375) after the account open date, as long your account is open and in good standing at the time you qualify for the additional points. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $3,000 net monthly spend. The primary cardholder’s annual fee of $149 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary cardholder’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. Your credit card account must be open and in Good Standing at the time the annual card fee rebate is awarded. If an additional cardholder is added to the account within the first year, the Additional Card annual fee of $50 per card will be charged at a prorated rate and will not be waived or rebated. This offer is not available to current or former BMO World Elite Business Mastercard cardholders who reinstate a closed account or open a new account during the “Offer Period”. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. If you receive points in error, we reserve the right to deduct them from your points balance. This offer may be withdrawn or changed without notice.

3. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit bmo.com/yourbiz for current rates and fees; call the Customer Contact Centre at 1-844-385-5055 or visit your branch.

*Note: Effective February 3, 2025, the interest rate for purchases and fees will be 18.99% and the interest rate for cash advances will be 23.99%.

4. You will earn 4 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 4 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards points for each dollar you spend and the bonus of 2.5 BMO Rewards points for each dollar you spend in qualifying gas, office or cell phone/internet purchases. To qualify for the bonus reward points, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 5111 & 5943) and Cellphone/Internet billings (Merchant Codes: 4812, 4814 & 4816). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply. After you reach yearly cap of $50,000 in qualifying gas, office or cell phone/internet purchases, you will earn 1.5 BMO Rewards points for each dollar you spend on these purchases and on all other eligible purchases made with the card.

5. Subject to the BMO Rewards Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO World Elite Business Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and nonqualifying transactions from time to time.