BMO Premium Rewards Credit Card — 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 $95. The ongoing APR is 18.49% to 27.49% variable, based on creditworthiness after a No introductory APR introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: 35,000 bonus points when you spend $5,000 within 2 months of opening your account. Rewards: 4 points per $1 on eligible gas, EV charging, grocery and dining and 2 points per $1 on eligible hotels and airfare, up to $2,000 in combined spend each calendar quarter; unlimited 1 point per $1 on everything else; 10% anniversary bonus points. This product reports activity to your personal credit report. For travelers seeking elevated rewards on a 0% balance transfer runway. TD FlexPay Credit Card. BT Fee: Likely similar to others (~4%), though not explicitly listed.. Post-intro APR: Not specified but likely competitive.