The BMO Cash Back is a personal credit card from BMO Cash Back. Application typically pulls a credit report from Experian. The annual fee is $0.. The ongoing APR is Not specified in the summary, but likely remains in a competitive variable range (e.g., mid– to high after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Cash-back structure in popular categories (specific categories not detailed in source).. 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