Pros & cons

Your rewards

$100 GeniusCash offer

On approval, receive $100 GeniusCash on us when you apply for BMO Ascend Business Mastercard using this offer page.

GeniusCash offer expires on Dec 31, 2026.

$100

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With BMO Ascend Business Mastercard, here's how you earn rewards:

• 2 points per $1 spent on gas , office supplies, cellphones, internet bills
• 1 point per $1 spent on all other purchases

For all reward details click here.

How much your rewards are worth

The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For BMO Ascend Business Mastercard in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Rewards Points Calculator

Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value.

Reward ProgramAAdvantageAeroplanAlaska Airlines Mileage PlanAvianca LifemilesAmerican Express Membership RewardsBMO RewardsAir MilesDesjardins BONUSDOLLARSMarriott BonvoyCIBC Aventura RewardsBritish Airways Executive ClubFlying BlueCathay Pacific Asia MilesDelta SkyMilesMBNA RewardsPorter VIPorterMyMcDonald's RewardsJournie RewardsRexall BeWellPC OptimumQatar Airways Privilege ClubTD RewardsUnited MileagePlusMore RewardsPlum RewardsNational Bank À la Carte RewardsAvion Rewards (Elite)Scene+Tims RewardsWestJet RewardsTriangle RewardsAvion Rewards (Premium)Blue RewardsWendy's RewardsFlex RewardsAir TransatWyndham RewardsHilton Honors

Points Balance

Our recommendations:

Use your points for Travel, and Investments to get the most value.

$67

Avoid using points for Merchandise as this gives you the lowest value.

$54

Using your points for Travel, and Investments instead of Merchandise will save you $13.

Point Values

Redemption Option	Point Value	Total Value
Travel	0.67 cents	$67
Investments	0.67 cents	$67
Experiences	0.65 cents	$65
Gift Cards	0.56 cents	$56
Merchandise	0.54 cents	$54

Redemption Options

Travel

Redeem points for travel from any provider

$67

Investments

Turn points into deposits for select BMO investment accounts

$67

Experiences

Experiences from various providers

$65

Gift Cards

Assortment on gift cards from many retailers

$56

Merchandise

Wide assortment of merchandise

$54

Calculating your annual rewards

$36,000 annual spending x 0.77% return on spending = $277 annual rewards

$277 annual rewards − $0.00 annual fee = $277 net annual rewards

Details and eligibility

Insurance coverage

Extended Warranty

1 year

Purchase Protection

90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Learn more about the value of credit card insurance coverage.

Genius Rating

BMO Ascend Business Mastercard's 4.1 Genius Rating is based on the weighted average of the following scores:

Methodology

All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.

Learn more about our rating methodology.

Key benefits