The BMO Bank N.A. is a personal credit card from BMO Bank N.A.. Application typically pulls a hard report from Experian. The ongoing APR is 19.49% to 27.49% variable, based on creditworthiness (Summary of Credit Terms 07/2026) after a 0% introductory APR on balance transfers (no introductory purchase APR listed) introductory rate. Signup bonus: 15,000 bonus points when you spend $1,500 within 3 months of opening your account. Rewards: 2 points per $1 on eligible gas, EV charging and grocery purchases (up to $1,500 per calendar quarter), then 1 point per $1; 1 point per $1 on all other purchases; anniversary bonus points when you spend $15,000+ annually. This product reports activity to your personal credit report.