The BMO Business Platinum Rewards Credit Card earns up to 5x points on expenses like phone bills and office supplies.
With no annual fee and 0% APR for 9 months, this card offers savings and flexibility for businesses to manage their spending.
If you’re ready to boost your business rewards, it might be time to visit the site and apply for the BMO Business Platinum Rewards Credit Card.
How Does the BMO Business Platinum Rewards Credit Card Work?
The BMO Business Platinum Rewards Credit Card offers a simple rewards system that benefits frequent business expenses. Earn points on every purchase, with higher rewards in key categories.
For the first nine months, businesses get 0% intro APR on purchases, easing large investments. After that, the variable APR ranges from 19.49% to 28.49%, based on creditworthiness.
You can also issue up to 20 employee cards to manage expenses, track spending, and grow rewards — all with easy control through online account access.
What is the BMO Business Platinum Rewards Credit Card?
The BMO Business Platinum Rewards Credit Card is a smart choice for business owners looking to earn rewards on daily expenses. It turns routine spending into valuable points that benefit your business.
A key highlight of the BMO Business Platinum Rewards Card is its $0 annual fee, ideal for small and medium businesses. From internet bills to gas and supplies, every dollar spent works harder.
Keep reading to learn how the BMO Business Platinum Rewards Mastercard works, explore its benefits, and discover how you can apply to start earning rewards that truly benefit your business.
Benefits of the BMO Business Platinum Rewards Credit Card
5x Points on Internet and Phone Services
Earn 5x points per $1 spent on eligible internet and phone bills, turning essential communication costs into valuable rewards for your business.
4x Points on Office Supplies and Printing
Get 4x points on office supply and printing purchases, helping your everyday operational expenses generate maximum rewards.
3x Points on Gas Station Purchases
Earn 3x points per $1 spent at gas stations, perfect for businesses with regular travel or delivery-related fuel costs.
2x Points on Dining Expenses
Receive 2x points on eligible dining, so your business meals, client lunches, and coffee meetings all work harder for you.
No Annual Fee
Enjoy all the rewards and perks with $0 annual fee, making this card a budget-friendly choice for businesses of any size.
Cell Phone Protection up to $600
Get up to $600 in cell phone protection just by paying your monthly wireless bill with the card — extra peace of mind.
Mastercard Easy Savings® Program
Access automatic rebates of 1% to 25% at over 40,000 merchants, including gas stations, restaurants, hotels, and office supply stores.
Fraud Protection & Security Features
Staying protected is just as important as earning rewards. Below are key security features that help safeguard your business when using the BMO Business Platinum Rewards Credit Card:
| Security Feature | Description |
| Zero Liability Protection | Unauthorized purchases are not your responsibility. |
| Mastercard ID Theft Protection | Credit bureau alerts & identity theft support. |
| Purchase Assurance | 90-day coverage against damage or theft. |
| Extended Warranty | Adds 1 year to eligible warranties. |
| Mastercard Global Service | 24/7 global customer service and emergency assistance. |
Disclaimer: Benefits may vary based on eligibility and Mastercard terms. Always review the card’s official terms and conditions.
How to Apply for the BMO Business Platinum Rewards Credit Card?
Follow these steps to apply for the BMO Business Platinum Rewards Credit Card directly through the official website:
- Access the official BMO website: Navigate to the Business Credit Cards section to find the application.
- Select the BMO Business Platinum Rewards Credit Card: Review the card’s features, rewards, and terms before proceeding.
- Complete the application form: Enter your business information, including legal name and tax identification number.
- Provide authorized officer details: Submit personal information required for verification and credit evaluation.
- Review and submit your application: Double-check all details and finalize the request through the online platform.
Who Is the BMO Business Platinum Rewards Credit Card For?
The BMO Business Platinum Rewards Credit Card is tailored for businesses aiming to maximize rewards on essential operational expenses. It’s especially beneficial for:
- Small to Medium-Sized Enterprises (SMEs): With no annual fee, this card is cost-effective for businesses mindful of expenses.
- Companies with Significant Communication Expenses: Earning 5x points on internet and phone services allows businesses to capitalize on these recurring costs.
- Businesses with Regular Office Supply Needs: The 4x points on office supplies and printing make it ideal for companies with consistent operational purchases.
- Firms with Frequent Travel Requirements: Earning 3x points on gas purchases benefits businesses with regular travel or transportation needs.
- Enterprises that Entertain Clients: The 2x points on dining expenses are advantageous for businesses that frequently host client meetings or team outings.
Additionally, businesses seeking to provide multiple employees with purchasing power can benefit from the option to issue up to 20 employee cards, facilitating controlled and trackable spending.
Is the BMO Business Platinum Rewards Credit Card Worth It?
For businesses looking to optimize their spending through a robust rewards program without incurring an annual fee, the BMO Business Platinum Rewards Credit Card presents a compelling option.
The card’s tiered rewards structure allows businesses to earn accelerated points in categories that align with common operational expenses, enhancing the value derived from everyday purchases.
Furthermore, the additional benefits, such as cell phone protection and access to the Mastercard Easy Savings® Program, provide added value that can contribute to overall business savings.
Frequently Asked Questions About the BMO Business Platinum Rewards Credit Card
The card offers 5x points on internet and phone, 4x on office supplies, 3x at gas stations, and 2x on dining. Other purchases earn 1x point, redeemable through BMO Flex Rewards.
Reward points never expire as long as your account remains open and in good standing. This allows businesses to accumulate points over time and redeem them whenever needed.
The card provides a 0% introductory APR on purchases for the first nine months from account opening. This helps businesses manage large purchases or investments early on without paying interest.
Points are easily redeemable for cash back, gift cards, travel, or merchandise through the BMO Flex Rewards portal. This gives businesses flexibility in choosing how to use their rewards.