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 19.49% to 27.49% variable, based on creditworthiness after a 0% introductory APR on balance transfers (no introductory purchase APR listed) introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Double cash back on first-year purchases for applications received September 1 to November 1, 2026 (gas, EV charging and grocery double-cash-back bonus capped at $6,000 net qualified purchases in the first 12 months). Rewards: 5% cash back on eligible streaming, cable TV and satellite services; 3% cash back on eligible gas, EV charging and grocery purchases (up to $1,500 per calendar quarter, then 1%); unlimited 1% cash back on all other eligible purchases. This product reports activity to your personal credit report. For those who want a long purchase 0% window plus some rewards, with a shorter BT window. BMO Premium Rewards Credit Card. BT Fee: 4% ($10 minimum).. Post-intro APR: Not specified in the summary, but likely remains in a competitive variable range (e.g., mid– to high