THE CARDTUNED DATABASE
BMO Premium Rewards Credit Card
Issuer: BMO · Network: Mastercard
4 points/$1 on gas, EV charging, groceries and dining; 2 points/$1 on hotels and airfare; 1 point/$1 elsewhere, subject to quarterly caps
- Annual fee
- $95
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR verified; see the live application.
- Regular APR
- 18.49%–27.49% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
35,000 points after $5,000 in eligible purchases within 2 months
- Spending requirement
- $5,000
- Time window
- 2 months
- Published end date
- No public end date
Offer last checked: 2026-10-01
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Selected categories | 4 points/$1 | on gas, EV charging, groceries and dining |
| Flights & Hotels | 2 points/$1 | on hotels and airfare |
| Eligible purchases | 1 point/$1 | elsewhere, subject to quarterly caps |
Additional benefits
• Points worth 25% more when redeemed for travel through BMO Rewards
• No foreign transaction fee
Restrictions to know
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Each bonus group is capped at $2,000 combined purchases per calendar quarter, then 1X.
Who can apply
U.S. applicant of legal age; subject to identity, income and issuer credit approval.
Credit profile: Not Public / issuer underwriting applies