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Now it's time to reap the rewards

Echelon Rewards+ BusinessTM Mastercard®

Rewards plus card

Now it's time to reap the rewards

Put your business expenses to work for you. Every dollar you spend earns you accelerated rewards points that go back to building your business—and keep it reaching new heights.

Rates and fees

Rates
Annual interest rates - purchases 19.99% fixed
Annual interest rates - cash advances 22.99% fixed
Fees
Annual fee
$150.00
Additional card fee
$50.00

Ideal for business owners who

  • Want to maximize their reward earning potential
  • Use their cards for frequent purchases and want to earn cash back on expenses
  • Need a solutions to effectively manage their expenses and track transactions
  • Seek enhanced coverage and premium benefits, such as comprehensive travel protection for business trips, and mobile device repair and replacement

Benefits at a glance

Take control CWB Rewards Included with every CWB business credit card More details about your benefits

Take control

Advanced digital tools and reporting

Easily manage your business' finances and monitor your account from anywhere, anytime.

Issue digital cards in real time

  • Give employees access to company funds by issuing digital cards in an instant. Easily remove employee access when a company card is no longer required.

Assign account access based on job roles

  • Grant view-only access to an accountant or bookkeeper who needs access to transaction history and account statements.
  • Assign full administrative access to employees managing payments, rewards redemptions and employee access to the account.
  • With cardholder status, your employees can view their own transactions online and set preferences for their card, without access to the full business account.

Manage cards and account security

  • Maximize the security of your account by quickly locking and unlocking employee cards when needed and reissuing lost or stolen cards in an instant.

Receive instant alerts

  • Set up notifications to receive alerts for employee purchases, received payments and when you’re approaching your credit limit.

Manage cash flow with Installment Pay

  • Enroll in Installment Pay to divide larger purchases into smaller monthly payments.

Streamline payments

  • Have peace of mind that you’ll never miss your monthly payment with AutoPay – no forms needed.

Monitor company spend

  • Keep a pulse on your company's spending with our dynamic reporting tools, providing real-time insights into your business expenses.

Set spend limits

  • Stay in control of your budget by setting spend limits for your cardholders, preventing unexpected expenses.

CWB Rewards

Earning and using CWB Rewards
  • Earn 1.5% back in points on every purchase
  • Earn up to 30% back in points when you use your card to shop at select brand-name retail partners.
  • Earn bonus points on online purchases accessed through CWB’s eShop on the business credit card portal
  • No limit on the number of points you can accumulate
  • Redeem points on any purchase or as cashback towards your balance

Included with every CWB business credit card

Included with every CWB business credit card
  • Issue up to 15 additional cards2 to give employees convenient access to company funds
  • Installment Pay3 option that lets you divide larger purchases into smaller monthly payments
  • Free Boingo® wi-fi to stay connected worldwide at over 1 million public hotspots
  • Mastercard Travel Pass4 with access to airport benefits like lounge access and other travel perks
  • Built-in Mastercard savings and discounts for wherever your business takes you
  • More details about your benefits

    Features and Benefits Guide

    Your guide to the benefits and features of your new business credit card. 

    Insurance and protection*
  • Purchase Security within 90 days - per occurrence maximum applies
  • Extended Warranty doubles for up to 1 year - maximum value applies
  • Mobile device5 provides up to $1,500 for loss, theft, or damage on your mobile device
  • Flight delay and Baggage6
  • Car Rental Collision / Loss Damage7
  • Protect your business from employee card abuse with our Waiver of Liability program
  • Zero liability1 - have piece of mind knowing CWB won't hold you responsible for unauthorized use of your cards
  • Mastercard Global Emergency Services - trusted travel assistance 24 hours a day, 365 days a year for reporting lost and stolen cards, emergency card replacement and cash advances and more  
  • Common Carrier Accident 8 protects you with p to $500,000 (CAD) Common Carrier Accident Insurance whenever you travel by plane, ferry, train or bus
  • Account documents

     learn about the details of your embedded insurance, including the terms and conditions.

    Understand how your business credit card works and your responsibilities.

    Information about the terms and conditions of CWB’s business credit card program, including applicable fees and charges.

    Information about how the rewards program works, including criteria to earn and redeem rewards points.

    Terms and Conditions

    * All insurance coverage(s) included with Brim credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada, 700 Avenue University, 1500A , Toronto, Ontario M5G 0A1, pursuant to a Master Policy issued to Brim Financial Inc. You may contact the insurer at 1 833 429-2746 in Canada and the U.S. or collect from elsewhere at 416 920-0938 or visit www.rsagroup.ca. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, go to brimfinancial.com/legal/ or review the Certificates of Insurance in your card package. Some insurance coverages may require that purchases, vehicle rentals, common carrier fares, accommodations and other trip costs be charged to the card to activate coverage. Other conditions may also apply, so please read the Certificates of Insurance carefully. The information provided in this section is intended as general information only. Please refer to your Certificates of Insurance for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. 

    Certain terms, conditions and exclusions apply. Contact your CWB relationship manager or local banking centre for complete terms and conditions. 

    2A maximum of 15 additional cards can be added to the primary cardholders account. Additional CWB Business Mastercard cards have an annual fee of $50 per card. 

    3 Installment Pay has minimum purchase amount and a processing fee applies for the duration of the term. Ask your relationship manager for details.

    4 Download the Mastercard Travel Pass app and enter your Mastercard details to set up your membership. Upon registration in the app, you will receive a digital membership which can be used to access program benefits. Mastercard Travel Pass allows you access to lounges and a fee of $32USD applies, per person, per visit.

    5Provides repair or replacement coverage of up to $1,500 (CAD) per insured person, per occurrence for mobile devices purchased by, or for, a business in the event of loss, theft, or accidental damage for up to 2 years following purchase. Coverage is available when the full cost of the cell phone, smartphone, or tablet (or, if the cost is financed through a Canadian wireless service provider) is charged to your CWB Echelon Rewards+ Business Mastercard. Refer to your Certificate of Insurance for details.

    6Charge your scheduled flight to your CWB Echelon Rewards+ Business Mastercard and receive coverage up to $500 (CAD) per insured person [maximum of $1,000 (CAD) for all insured persons combined] for reasonable living expenses, such as meals and accommodations, up to $100 (CAD) for ground transportation and up to $100 (CAD) for entertainment expenses when your outbound flight is delayed for more than 4 hours. Your insurance also includes up to $500 (CAD) per insured person [maximum of $1,000 (CAD) for all insured persons combined] for emergency purchases of necessary clothing and toiletries when your baggage is delayed by an airline for more than 6 hours. Purchases may be made during a baggage delay period but must be made within 4 days of occurrence. Plus, your insurance includes up to $1,000 (CAD) per insured person [maximum of $2,000 (CAD) for all insured persons combined] for loss, theft or damage of your checked baggage. Refer to your Certificate of Insurance for details.

    7 Simply charge the full cost of your car rental to your CWB Echelon Rewards+ Business Mastercard and decline the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can be protected by Car Rental Collision/Loss Damage Insurance up to the actual cash value of the rental vehicle, provided the value of the rental vehicle in its model year does not exceed the Manufacturer’s Suggested Retail Price (MSRP) of $85,000 (CAD) and all other conditions of coverage are met. Refer to your Certificate of Insurance for details.

    8 Whenever you travel by plane, ferry, train, or bus and charge your fare to your CWB Echelon Rewards+ Business Mastercard, you can be protected with up to $500,000 (CAD) Common Carrier Accident Insurance. Refer to your Certificate of Insurance for details.

    CWB Business Mastercards are issued by Brim Financial Inc. 

    Brim is a trademark of Brim Financial Inc. 

    Boingo® is a registered trademark of Boingo Wireless, Inc.

    All trademarks are the property of their respective owners.

    team of business card professionals against a grey wall

    Optional CWB Business Pro Package

    Add on the CWB Business Pro package to scale-up the features of your new CWB Echelon Rewards Plus Mastercard account. This monthly subscription gives your business access to powerful accounting and administrative tools for only $5.00 per month. So, as your business becomes more complex or grows, your credit card account evolves right along with you. With our self-serve digital tools it’s easy to add or remove the pro package at any time so you never pay for more features than what you need.

    The package includes:

    • One-time digital card issuance

    One-time use cards are a secure and innovative way to pay suppliers and bills. Or issue single-use cards to employees who don’t frequently make business purchases. Cards automatically expire after use, providing an additional layer of security and reducing the risk of fraud.

    • Add unlimited additional cards

    Streamline expense management effortlessly, regardless of your business size. Provide cards to all employees who need purchasing power, eliminating the administrative burden associated with card issuance limits.

    • Accounting software integration

    Reduce manual errors and save time while gaining valuable insights into your financials. Compatible with: Quickbooks, Oracle Netsuite and Xero

    Ask for more details when signing up for your new Mastercard!

    Get started

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