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Mastercard1/4 on file
Annual fee: issuer restricts access
BMO (Bank of Montreal US / BMO Harris) · Mastercard

BMO Premium Rewards Credit Card

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The BMO Premium Rewards Credit Card is a Mastercard from BMO (Bank of Montreal US / BMO Harris). BMO (Bank of Montreal US / BMO Harris)'s site does not let us read its terms, so we leave the annual fee blank — check it on BMO (Bank of Montreal US / BMO Harris)'s own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: welcome offer (Sep 2026). Not yet checked with BMO (Bank of Montreal US / BMO Harris): credit requirement. BMO (Bank of Montreal US / BMO Harris)’s own page is authoritative — confirm anything you rely on there before you apply.

Welcome offer35,000 ptsChecked bmo.com
Apply on BMO (Bank of Montreal US / BMO Harris)Compare this card
Opens BMO (Bank of Montreal US / BMO Harris)’s site

Bank with branches in: California (223), Illinois (170), Wisconsin (139), Colorado (68), Arizona (59), Indiana (46), Minnesota (35), Nebraska (28) and 14 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the BMO Premium Rewards Credit Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
GoodNot yet checked with BMO (Bank of Montreal US / BMO Harris)
Sign-up

The welcome offer

Get 35,000 bonus points when you spend $5,000 within 2 months of opening your account.

Checked bmo.com
Points35,000Checked bmo.com
Min. spend$5,000Checked bmo.com
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the BMO Premium Rewards Credit Card. Rather than print a multiplier we cannot source, this stays blank until BMO (Bank of Montreal US / BMO Harris)’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Mastercard Priceless Experiences access
  • Cell phone protection up to $600
  • 10% anniversary bonus points every year
  • 25% more value when redeeming points for travel via BMO Flex Rewards portal
  • BMO PaySmart installment plans
  • Mastercard ID Theft Protection (Identity and Resolution Monitoring)
  • Mastercard Zero Liability
  • Extended Warranty (up to 24 months additional coverage)
Next step

Ready to apply for the BMO Premium Rewards Credit Card?

You'll finish the application on BMO (Bank of Montreal US / BMO Harris)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens BMO (Bank of Montreal US / BMO Harris)’s site
Questions

Questions about the BMO Premium Rewards Credit Card

How much is the BMO Premium Rewards Credit Card annual fee?

We could not verify the BMO Premium Rewards Credit Card's annual fee, so we do not print one. Check the current annual fee on BMO (Bank of Montreal US / BMO Harris)'s own site before you apply.

What does the BMO Premium Rewards Credit Card earn?

We could not verify the BMO Premium Rewards Credit Card's earn rates, so we do not print a multiplier. Check them on BMO (Bank of Montreal US / BMO Harris)'s own site.

What network is the BMO Premium Rewards Credit Card on?

The BMO Premium Rewards Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the BMO Premium Rewards Credit Card available in United States?

Yes — the BMO Premium Rewards Credit Card is issued by BMO (Bank of Montreal US / BMO Harris) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the BMO Premium Rewards Credit Card figures last checked?

We checked its welcome offer in September 2026, against a published document. Not yet checked with BMO (Bank of Montreal US / BMO Harris): credit requirement. We could not verify, so we do not print: annual fee, foreign transaction fee, purchase APR and earn rates. Check them with BMO (Bank of Montreal US / BMO Harris). Terms can change without notice, so confirm the current details with BMO (Bank of Montreal US / BMO Harris) before you apply.