BMO Business Platinum Rewards
5X points on telecom, 4X on office supplies, 3X on gas — $0 annual fee
Earn up to 5X BMO Flex Rewards points on business essentials like internet, phone, office supplies, gas, and dining with a $0 annual fee. Get up to 100,000 bonus points in your first year, a 9-month 0% intro APR on purchases, and $600 cell phone protection. Points never expire and can be redeemed for travel, gift cards, cash, or merchandise.
- Annual Fee
- $0
- Welcome Bonus
- Up to 100,000 points
- Top Rate
- 5X
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 2%
- Network
- Mastercard Standard
- Rewards Currency
- BMO Flex Rewards
- Credit Required
- Good
Welcome Offer
Up to 100,000 points
- 50,000 points after $5,000 in purchases in the first 3 months
- + 50,000 points after $50,000 in total purchases in the first 12 months
The total needs every stage above. Meet only the first and you earn 50,000 points.
Earn 50,000 bonus rewards points after spending $5,000 in the first 3 months, plus an additional 50,000 points when you spend $50,000 within 12 months of account opening.
Earning Rates
- 5X
Telecom
Earn 5 points for every $1 you spend on internet and phone services
Cap: $750/quarterly
- 4X
Office Supplies
Earn 4 points for every $1 you spend on office supplies and printing
Cap: $750/quarterly
- 3X
Gas Stations
Earn 3 points for every $1 you spend at gas stations and EV charging stations
Cap: $750/quarterly
- 3X
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "For every $1 you spend at gas stations and EV charging stations" (TASK-0714).
Cap: $750/quarterly
- 2X
Dining
Earn 2 points for every $1 you spend on eligible dining purchases
Cap: $750/quarterly
Earning Scenarios
5X on Internet & Phone
Spend $200/month on internet and phone → earn 1,000 points/month (12,000/year)
4X on Office Supplies
Spend $150/month on office supplies → earn 600 points/month (7,200/year)
3X at Gas Stations & EV Charging
Spend $250/month on gas → earn 750 points/month (9,000/year)
2X on Dining
Spend $300/month on business meals → earn 600 points/month (7,200/year)
Benefits & Perks
Insurance & Protections
7 protections$600 cell phone protection per claim
$600
secondary
Get up to $600 per claim for stolen or damaged cell phones when you pay your wireless bill with the card. $50 deductible, $1,000 annual max.
View conditions
Deductible: 50
Primary rental car damage and theft coverage
primary
Primary coverage for rental vehicle damage and theft when you pay with your card and decline the CDW. Rentals up to 31 days.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
$10,000 purchase protection for 90 days
secondary
Items purchased with your card are covered against damage or theft for 90 days, up to $10,000 per item and $50,000 per year.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Show all 7 protectionsShow fewer protections
Double the warranty up to 12 extra months
secondary
Doubles the original manufacturer's warranty up to an additional 12 months on items purchased with your card. $10,000 max per claim.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
2x at restaurants
BMO Flex Rewards · On up to $750 a quarter in dining, then the base rate
≈$2 in value on a $100 dinner, at our valuation of 1¢ per point
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Informr | 6.2/10 |
How It Compares
A $0 annual fee business card with category bonuses up to 5X on telecom and internet services. The 100,000-point welcome offer requires $50,000 in spending for the second tier, but the first 50,000 points for $5,000 spend is accessible. Primary rental car coverage and $600 cell phone protection add solid protection value.
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.99%–27.99% (Variable) |
| Foreign Transaction Fee | 2% |
Media & Resources
Video Reviews
8 videosHow the BMO Rewards Program works!
I Ranked EVERY Business Credit Card in Canada
Best BMO Credit Cards In Canada (2026)
BMO Credit Card Review 2025 | Worth It or Leave It?
All about the BMO Rewards program - Points Earn and Burn
BMO Business Platinum Credit Card Review (2024) | Is It Worth It?
BMO Harris Bank Credit Cards Compared: Which BMO Harris Credit Card Is Best for You?
Third-Party Articles & Reviews
BMO Business Platinum Rewards Credit Card
Official BMO issuer page with full earn rates, benefits, welcome offer, and application details.
BMO Business Credit Cards Guide to Benefits (PDF)
Official Mastercard Guide to Benefits PDF with detailed coverage terms for MasterRental, Purchase Assurance, Extended Warranty, Cell Phone Protection, and ID Theft Protection.
BMO Business Platinum Rewards Credit Card - Up To 100,000 Points
Doctor of Credit analysis of the BMO Business Platinum Rewards welcome offer and whether the 100,000-point bonus is worth pursuing.
BMO Harris Bank Credit Cards & Rewards Program [2026]
Comprehensive overview of all BMO Harris credit cards including the Business Platinum Rewards, with earn rate breakdowns and redemption options.
BMO Business Platinum Mastercard Review: 0% Introductory APR
Review focused on the BMO Business Platinum as a cash flow management tool with 0% intro APR and business expense tracking features.
BMO Business Platinum Rewards Mastercard Reviews & Info
The Informr review of the BMO Business Platinum credit card for small business owners needing large purchases or balance transfers.
BMO Credit Card Reviews and Q&A
WalletHub community reviews and ratings for BMO credit cards including the Business Platinum Rewards.
2026 BMO Harris Business Platinum Rewards Mastercard Reviews
Consumers Advocate review covering the welcome offer, travel insurance, purchase protection, and 0% APR introductory financing.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| BMO Official | BMO Official | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr |
