BMO · Mastercard · Business card
BMO Blue Rewards World Elite Business Mastercard
Travel points, earns BMO Blue points
Annual fee$175First year free
Foreign transaction fee2.5%
Purchase rate20.99%
Income requirementPersonal $80,000
Welcome offer
Verified · Oct 11Up to 150,000 BMO Blue Rewards points
Earn 50,000 points each at three levels: $10,000 in spending within 110 days, $20,000 within 180 days and $30,000 within 365 days. First year free.
- Minimum spend
- $30,000 in 12 months
- Apply by
- November 30, 2027
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $175, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 23.99%
- Income requirement
- Personal $80,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 2026Up to 150,000 BMO Blue Rewards pointsSpend $30,000 in 12 months · Annual fee $175 · First year free
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 1.25× BMO Blue | about 0.84% |
| Dining and delivery | 1.25× BMO Blue | about 0.84% |
| Gas and EV charging | 2.5× BMO Blue | about 1.68% |
| Recurring bills | 1.25× BMO Blue | about 0.84% |
| Transit | 1.25× BMO Blue | about 0.84% |
| Drugstores | 1.25× BMO Blue | about 0.84% |
| Travel | 1.25× BMO Blue | about 0.84% |
| Entertainment | 1.25× BMO Blue | about 0.84% |
| Phone and internet | 1.25× BMO Blue | about 0.84% |
| Streaming | 1.25× BMO Blue | about 0.84% |
| Online shopping | 1.25× BMO Blue | about 0.84% |
| Convenience stores | 1.25× BMO Blue | about 0.84% |
| Office supplies | 1.25× BMO Blue | about 0.84% |
| Other spending | 1.25× BMO Blue | about 0.84% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page