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BMO Premium Rewards Mastercard®

BMO Premium Rewards Mastercard® Cell Phone Protection

$95/yr annual fee. One cell phone protection benefit, with what each is worth and the limits that apply.

Annual fee
$95/yr
Benefit
1

Cellular Wireless Telephone Protection

$600 coverage

Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.

Pro Tips

  1. 1Coverage lapses if you skip even one month of paying the bill with this card — set up autopay.
  2. 2This is secondary insurance, so file with your phone's insurance first if you have it.

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.