THE CARDTUNED DATABASE
BMO Business Platinum Rewards Credit Card
Issuer: BMO · Network: Mastercard
5 points/$1 on phone and internet; 4 points/$1 on office supplies and printing; 3 points/$1 on gas and EV charging; 2 points/$1 on dining; 1 point/$1 elsewhere; $750 quarterly cap per bonus category, then 1 point/$1
- Annual fee
- $0
- Foreign transaction fee
- 2%
- Intro APR
- 0% purchase APR for 9 months; then 18.74%–27.74% variable
- Regular APR
- 18.74%–27.74% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
50,000 points after $5,000 in 3 months; another 50,000 points after $50,000 total eligible spend in 12 months
- Spending requirement
- $5,000 / $50,000 total
- Time window
- 3 months / 12 months
- Published end date
- No public end date
Offer last checked: 2026-10-01
0% purchase APR for 9 months; then 18.74%–27.74% variable
- Time window
- 9 months
- Published end date
- No public end date
Offer last checked: 2026-10-01
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5 points/$1 | on phone and internet |
| Eligible purchases | 4 points/$1 | on office supplies and printing |
| Gas & EV charging | 3 points/$1 | on gas and EV charging |
| Dining | 2 points/$1 | on dining |
| Eligible purchases | 1 point/$1 | elsewhere |
Additional benefits
• 5X eligible phone/internet; 4X office supplies/printing ($750 quarterly per bonus category; then 1X)
• 3X eligible gas/EV charging; 2X dining ($750 quarterly per bonus category; then 1X)
• Up to 20 employee cards at no additional charge
Restrictions to know
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. $750 quarterly cap per bonus category, then 1X. Annual bonus spend is total qualifying spend within 12 months, not an additional $50,000 after the first tier.
Who can apply
Eligible business and authorized applicant; branch application and issuer underwriting apply.
Credit profile: Not Public / issuer underwriting applies