Created exclusively for small business owners, professionals and self-employed individuals, BMO Mosaik^® MasterCard^®* for Business is a versatile business tool that supports the changing needs of your business by offering you flexibility, control and choice. It allows you to select features from reward program to interest rate plan that best suit your need for flexible business purchase payment convenience, and simplified expense and cash flow management. You even have the ability to choose your currency.

By consolidating your business purchases on your BMO Mosaik MasterCard for Business card you will:

• Streamline business purchasing
• Consolidate billing and payment
• Improve cash flow
• Reduce paperwork
• Simplify expense management
• Maximize productivity
• Enhance purchasing information and analysis

Features & Benefits

With BMO Mosaik MasterCard for Business you are always ready to take advantage of buying opportunities when they arise and feel secure that your purchases are protected.

• No Hassle Credit
  • Convenient business credit
  • No collateral or business plan
  • Low Interest Rate Plan option
  
  
• Knowledge and control with BMO details Online^®
  • Business Owner/Administrator managed solution with access at business and cardholder levels
  • View one or multiple account activities
  • Access a suite of reports
  • And much more
    
    
• It’s simple to customize your card with the features that suit your individual business needs.
  1. Decide on the currency – Canadian Dollar or U.S. Dollar
  2. Select your Reward Program - AIR MILES^®† or CashBack^®
  3. Choose your Interest Rate Plan - Low Rate or No Fee
  4. Add other Special Features including BMO details Online^®, BMO Business Travel Protection and Employee Cards

Plus benefit from:

• Distinct card design with your business name embossed on the card
• Payment convenience in person, online or by phone
• Use your card at all MasterCard accepting locations worldwide
• Write no fee cheques
• Access cash from ATMs around the world
• Automatic Purchase Assurance† covers most card purchases against theft or damage for a full 90 days from date of purchase
• Extended Warranty Benefits† doubles the original manufacturers warranty period, to a maximum of one additional year
• BMO MasterCard Liability Waiver Program protects the owner and the business against employee card abuse to a maximum of $50,000 per cardholder (minimum 2 employee cards required)
• BMO Mosaik BizAssist^™ - an exclusive service that offers 24/7 virtual business support that includes:
  • IDefence^™ - for information on identity theft prevention and assistance in the event that you or your business becomes a victim.
  • BizAssist Legal – for convenient telephone access to lawyers who can answer questions that come up in the day-to-day running of your business.
• Zero liability** protects you and your business In the event that your card is lost or stolen
• Emergency card replacement
• Emergency cash advance

^™ BizAssist and IDefence are registered trademarks of Davis + Henderson, Limited Partnership. Bank of Montreal is an authorized user of the trademarks.
† Important details, including additional applicable limitations and exclusions are contained in the printed materials that will follow under separate cover once your application is approved. Insurance benefits provided and operated by Allianz Global Risks US Insurance Company.
** If your card is used without your authorization, you will not be liable if you used reasonable care to safeguard your card against loss or theft, there has not been more than one unauthorized use of your card within the previous 12 months and your Account is in good standing. If you do not meet these criteria, your maximum liability for unauthorized use of the card is $50. However, if your card and PIN are used together without your authorization, your maximum liability will be $500 if you willingly disclosed your PIN to another person, didn’t keep you PIN separate from your card or didn’t notify us by telephone within 24 hours of learning that your card was lost or stolen or that the confidentiality of your PIN had been compromised.
1. Interest is payable on MasterCard cheques and cash advances from the day they are charged to your account.