The BMO Bank N.A. is a personal credit card from BMO Bank N.A.. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.49% - 26.49% after a 0% introductory APR on purchases and on balance transfers introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: None; the focus is purely on rate savings.. This product reports activity to your personal credit report. Excellent for financing purchases or consolidating debt across both categories—with a significant 15-month 0% runway. BMO Cash Back Credit Card. BT Fee: Typically 4% of transfer amount (or specified minimum) as per disclosed terms.. Post-intro APR: 17.24% – 25.24% variable, based on creditworthiness.