BMO Premium Rewards Credit Card: earn up to 4x points

The BMO Premium Rewards Credit Card lets you earn up to 4% back in points on everyday purchases.

Want to see exactly how to apply and unlock these rewards? The full step-by-step guide is just ahead.

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Enjoy a 10% Anniversary Bonus Every Year

The BMO Premium Rewards Credit Card gives you points when you buy food, gas, or travel. It’s super easy to use and fits your daily life.

You can earn rewards, get bonuses, and save on trips just by using your card. It works while you shop, eat, and go out.

Enjoy a 10% Anniversary Bonus Every Year

The BMO Premium Rewards Credit Card gives you points when you buy food, gas, or travel. It’s super easy to use and fits your daily life.

You can earn rewards, get bonuses, and save on trips just by using your card. It works while you shop, eat, and go out.


Check out the main benefits below to see why so many people are choosing the BMO Premium Rewards Credit Card right now.

Earn 4% back in points on gas, groceries, dining, and EV charging (up to $2,000 per quarter)
Earn 2% back in points on hotels and airfare (up to $2,000 per quarter)
Earn 1% back in points on all other eligible purchases with no limits
Get 10% bonus points every year based on the total points you earned
LEARN HOW TO APPLY FOR THIS CARD
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Learn More About the BMO Premium Rewards Credit Card

The BMO Premium Rewards Credit Card is designed for people who want more from their everyday spending. From grocery runs to gas fill-ups, this card helps you earn rewards fast.

Whether you travel often or just love dining out, BMO offers a flexible, easy-to-use rewards system. It fits right into the lifestyle of modern, busy Americans.

Plus, with no foreign transaction fees and powerful Mastercard benefits, it’s a strong contender in the premium credit card space.

How the BMO Premium Rewards Credit Card Works?

You earn 4 points per $1 spent on gas, EV charging, groceries, and dining—up to $2,000 each calendar quarter. These are things you probably already spend on every week.

Get 2 points per $1 on hotels and airfare, up to $2,000 per quarter. Ideal for travel lovers or those who take occasional business trips.

Everything else earns you 1 point per $1—so no matter what, you’re always earning rewards. It’s automatic, with no extra steps needed.

4 Reasons to Apply for the BMO Premium Rewards Credit Card

1. Maximize Everyday Spending

With up to 4X points on groceries, dining, and gas, your routine purchases become powerful point generators.

2. Travel-Friendly Perks

No foreign transaction fees and double points on travel make this card ideal for jetsetters and vacation planners.

3. Valuable Welcome Bonus

Earn 35,000 bonus points by meeting the spending requirement in your first 2 months. That’s serious value upfront.

4. Long-Term Rewards

The 10% anniversary bonus means your rewards keep growing the longer you hold the card—loyalty pays off.

How to Apply for the BMO Premium Rewards Credit Card?

Now that you’ve seen what the BMO Premium Rewards Credit Card has to offer, you’re probably wondering how to get yours. Don’t worry—we’ve got you covered with all the details.

📌 Just tap the button below to access our complete step-by-step guide on how to apply and get approved faster.

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Frequently Asked Questions

This card offers up to 4x points on everyday categories like gas, groceries, EV charging, and dining. It includes travel perks, no foreign transaction fees, and Mastercard® security protections. Cardholders also enjoy a 10% annual bonus and a generous welcome offer.

No, it does not charge any foreign transaction fees, making it a great option for international travel. You can shop abroad or online in foreign currencies without extra costs. This is a key benefit for frequent travelers and digital nomads.

You can earn 35,000 bonus points when you spend $5,000 within the first two months of opening your account. These points can be redeemed for travel, gift cards, or merchandise. It’s a great way to start maximizing your rewards early.

It competes well with cards like Chase Sapphire Preferred and Capital One Venture. While it has a smaller network in the U.S., its high rewards on everyday spending and no foreign fees are standout features. It’s ideal for practical users who value flexibility.

Yes, the BMO Mobile app allows you to manage your credit card, track spending, redeem points, and set alerts. You also get access to BMO Total Look for a full financial picture. It’s all-in-one convenience for staying in control.