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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
Network
Mastercard Standard
Rewards Currency
BMO Flex Rewards
Credit Required
Good
Welcome Offer
Up to 100,000 points
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.
Spend $200/month on internet and phone → earn 1,000 points/month (12,000/year)
Spend $150/month on office supplies → earn 600 points/month (7,200/year)
Spend $250/month on gas → earn 750 points/month (9,000/year)
Spend $300/month on business meals → earn 600 points/month (7,200/year)
Benefits & Perks
Combined Protection Value
$600
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.
Deductible: 50
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Informr | 6.2/10 |
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.
Credit Utilization (60%)
Details & Terms
5X
Top Rate
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
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.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Primary coverage for rental vehicle damage and theft when you pay with your card and decline the CDW. Rentals up to 31 days.
Enjoy an added layer of protection to your online purchases with Mastercard Identity Check™, to help protect you against unauthorized use of your c...
Doubles the original manufacturer's warranty up to an additional 12 months on items purchased with your card. $10,000 max per claim.
Get quick access to emergency roadside assistance including jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service...
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Official BMO issuer page with full earn rates, benefits, welcome offer, and application details.
Official Mastercard Guide to Benefits PDF with detailed coverage terms for MasterRental, Purchase Assurance, Extended Warranty, Cell Phone Protection, and ID Theft Protection.
Comprehensive overview of all BMO Harris credit cards including the Business Platinum Rewards, with earn rate breakdowns and redemption options.
Doctor of Credit analysis of the BMO Business Platinum Rewards welcome offer and whether the 100,000-point bonus is worth pursuing.
Review focused on the BMO Business Platinum as a cash flow management tool with 0% intro APR and business expense tracking features.
WalletHub community reviews and ratings for BMO credit cards including the Business Platinum Rewards.
Consumers Advocate review covering the welcome offer, travel insurance, purchase protection, and 0% APR introductory financing.
The Informr review of the BMO Business Platinum credit card for small business owners needing large purchases or balance transfers.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
