BMO Ascend Business Mastercard

2 BMO Rewards points per $1 on gas, office supplies and cellphone/internet bill payments; 1 point per $1 on everything else. BMO publishes no annual cap on the 2x categories for this card. Redemption from $1; BMO publishes 150 points per $1 toward travel and 200 points per $1 toward non-travel, so the conservative value is 0.5 cents per point.

25,000 BMO Rewards Points after $3,000 in spend in the first 110 days (recorded as 4 months, the conservative rounding of 110 days). Separately, a 0.00% introductory balance transfer rate for 9 months with a 3% transfer fee. No offer end date published on the product page.

90-day purchase protection and extended warranty of up to one additional year. Zero-liability fraud protection. Liability Waiver Program against employee card abuse. Up to 22 employee cards. Mastercard Easy Savings automatic rebates, H&R Block and Cirque du Soleil discounts, Instacart+ benefits, Avis and Budget car rental discounts. No travel insurance of any kind. PRODUCT RENAME: formerly the BMO Rewards Business Mastercard; the old slug still resolves to this card. The 0% balance transfer promo carries a 3% transfer fee, so it is not free money. BMO does not publish the additional/employee card fee for this no-fee card, nor the foreign currency conversion fee. No travel insurance despite being a 'travel rewards' card in BMO's own category listing.