Pros & Cons
Pros
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
The BMO Blue Rewards Mastercard for Business (formerly AIR MILES) has no annual fee and earns a base rate of 1 Blue point per dollar on all purchases.
It offers 2 points per dollar (2x) on gas and electric vehicle charging, and 10 times the points (10 pts/$) on the Blue Rewards Travel platform powered by Expedia and with Blue Rewards partners (Pharmasave, Global Pet Foods, etc.).
Includes Zero Liability protection, the liability waiver program (employees), 90-day purchase protection, and an extended warranty of up to one year.
⚠️ Data to be confirmed on the BMO website.
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate20.99%
- Cash advance rate23.99%
Terms & Conditions
Card Features
⚠️ Offer to be confirmed on the BMO website (most recent data available). Limited-time offer: get 30,000 bonus points when you spend $3,000 within the first 110 days.
The account must be approved, opened, and in good standing. The offer may be modified or withdrawn at any time.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.