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4X points on gas, groceries, and dining with $95 annual fee
Earn 4X points per dollar on gas, EV charging, groceries, and dining — up to $2,000 combined spend per quarter. Get 2X on hotels and airfare, plus a 10% anniversary bonus on all points earned during the year. Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal, effectively 1.25 cents per point.
$95
Annual Fee
35,000
points · Welcome Bonus
4X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
BMO Flex Rewards
Credit Required
Good to Excellent
35,000
points
$5,000
Spend Required
2 months
Time Period
Earn 35,000 bonus points when you spend $5,000 within the first 2 months of account opening. Worth $350 in cash or $437.50 when redeemed for travel through BMO Flex Rewards.
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
Earn 4 points per dollar on gas stations, EV charging, grocery stores, and restaurants — up to $2,000 in combined quarterly spend. At 1.25 cpp via travel portal, that's effectively 5% back.
Spend $1,500/month on gas, groceries, and dining: earn 6,000 points/month × 12 = 72,000 points + 7,200 anniversary bonus = 79,200 points ($990 via travel portal)
Earn 2 points per dollar on hotel stays and airline tickets — up to $2,000 in combined quarterly spend. Stacks with the 25% travel redemption bonus for 2.5% effective return.
Book a $2,000 vacation: earn 4,000 points (worth $50 via travel portal)
Earn 1 point per dollar on all other purchases with no cap. Plus the 10% anniversary bonus applies to all earning, boosting your effective rate to 1.1X.
Spend $12,000/year on other purchases: earn 12,000 points + 1,200 anniversary bonus = 13,200 points ($165 via travel portal)
Benefits & Perks
Combined Protection Value
$1,600
No fees on purchases made outside the U.S. or with foreign merchants — save the typical 3% surcharge.
Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.
Reviews & Analysis
With a $95 annual fee, the BMO Premium Rewards Mastercard delivers 4X points on everyday categories (gas, groceries, dining) and 2X on travel. The 10% anniversary bonus and 25% travel redemption bonus boost effective value, though quarterly spending caps at $2,000 limit heavy spenders.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources

4X points on gas, groceries, and dining with $95 annual fee
Earn 4X points per dollar on gas, EV charging, groceries, and dining — up to $2,000 combined spend per quarter. Get 2X on hotels and airfare, plus a 10% anniversary bonus on all points earned during the year. Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal, effectively 1.25 cents per point.
$95
Annual Fee
35,000
points · Welcome Bonus
4X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
BMO Flex Rewards
Credit Required
Good to Excellent
35,000
points
$5,000
Spend Required
2 months
Time Period
Earn 35,000 bonus points when you spend $5,000 within the first 2 months of account opening. Worth $350 in cash or $437.50 when redeemed for travel through BMO Flex Rewards.
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
Earn 4 points per dollar on gas stations, EV charging, grocery stores, and restaurants — up to $2,000 in combined quarterly spend. At 1.25 cpp via travel portal, that's effectively 5% back.
Spend $1,500/month on gas, groceries, and dining: earn 6,000 points/month × 12 = 72,000 points + 7,200 anniversary bonus = 79,200 points ($990 via travel portal)
Earn 2 points per dollar on hotel stays and airline tickets — up to $2,000 in combined quarterly spend. Stacks with the 25% travel redemption bonus for 2.5% effective return.
Book a $2,000 vacation: earn 4,000 points (worth $50 via travel portal)
Earn 1 point per dollar on all other purchases with no cap. Plus the 10% anniversary bonus applies to all earning, boosting your effective rate to 1.1X.
Spend $12,000/year on other purchases: earn 12,000 points + 1,200 anniversary bonus = 13,200 points ($165 via travel portal)
Benefits & Perks
Combined Protection Value
$1,600
No fees on purchases made outside the U.S. or with foreign merchants — save the typical 3% surcharge.
Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.
Reviews & Analysis
With a $95 annual fee, the BMO Premium Rewards Mastercard delivers 4X points on everyday categories (gas, groceries, dining) and 2X on travel. The 10% anniversary bonus and 25% travel redemption bonus boost effective value, though quarterly spending caps at $2,000 limit heavy spenders.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources

4X points on gas, groceries, and dining with $95 annual fee
Earn 4X points per dollar on gas, EV charging, groceries, and dining — up to $2,000 combined spend per quarter. Get 2X on hotels and airfare, plus a 10% anniversary bonus on all points earned during the year. Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal, effectively 1.25 cents per point.
$95
Annual Fee
35,000
points · Welcome Bonus
4X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
BMO Flex Rewards
Credit Required
Good to Excellent
35,000
points
$5,000
Spend Required
2 months
Time Period
Earn 35,000 bonus points when you spend $5,000 within the first 2 months of account opening. Worth $350 in cash or $437.50 when redeemed for travel through BMO Flex Rewards.
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
4X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
2X
Cap: $2,000/quarterly
Earn 4 points per dollar on gas stations, EV charging, grocery stores, and restaurants — up to $2,000 in combined quarterly spend. At 1.25 cpp via travel portal, that's effectively 5% back.
Spend $1,500/month on gas, groceries, and dining: earn 6,000 points/month × 12 = 72,000 points + 7,200 anniversary bonus = 79,200 points ($990 via travel portal)
Earn 2 points per dollar on hotel stays and airline tickets — up to $2,000 in combined quarterly spend. Stacks with the 25% travel redemption bonus for 2.5% effective return.
Book a $2,000 vacation: earn 4,000 points (worth $50 via travel portal)
Earn 1 point per dollar on all other purchases with no cap. Plus the 10% anniversary bonus applies to all earning, boosting your effective rate to 1.1X.
Spend $12,000/year on other purchases: earn 12,000 points + 1,200 anniversary bonus = 13,200 points ($165 via travel portal)
Benefits & Perks
Combined Protection Value
$1,600
No fees on purchases made outside the U.S. or with foreign merchants — save the typical 3% surcharge.
Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.
Reviews & Analysis
With a $95 annual fee, the BMO Premium Rewards Mastercard delivers 4X points on everyday categories (gas, groceries, dining) and 2X on travel. The 10% anniversary bonus and 25% travel redemption bonus boost effective value, though quarterly spending caps at $2,000 limit heavy spenders.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Deductible: 50
Extends the original manufacturer's warranty by up to 24 additional months on items purchased with the card, up to $10,000.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Coverage for lost, damaged, or stolen luggage when you buy your ticket with the card. Covers repair or replacement costs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$95
Net Annual Value
-$95
Official BMO press release announcing the enhanced Premium Rewards card with new everyday spend bonuses and travel rewards.
Official BMO product page with complete card details, earn rates, benefits, and application information.
Money.com's Best New Credit Cards roundup where BMO Premium Rewards won Best New Card for Groceries.
Upgraded Points coverage of the August 2024 BMO Premium Rewards relaunch with new 4X categories and enhanced benefits.
NerdWallet guide covering BMO's credit card lineup including the Premium Rewards card's welcome bonus, earn rates, and anniversary bonus features.
BMO blog post about the Premium Rewards Mastercard being recognized by money.com as Best New Credit Card for Groceries.
WalletHub's BMO credit card comparison page with editor ratings, user reviews, rewards details, and APR information for the Premium Rewards card.
WalletHub's dedicated review of the BMO Premium Rewards Mastercard with 3.1/5 editor rating, rewards breakdown, and pros/cons analysis.


| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Deductible: 50
Extends the original manufacturer's warranty by up to 24 additional months on items purchased with the card, up to $10,000.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Coverage for lost, damaged, or stolen luggage when you buy your ticket with the card. Covers repair or replacement costs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$95
Net Annual Value
-$95
Official BMO press release announcing the enhanced Premium Rewards card with new everyday spend bonuses and travel rewards.
Official BMO product page with complete card details, earn rates, benefits, and application information.
Money.com's Best New Credit Cards roundup where BMO Premium Rewards won Best New Card for Groceries.
Upgraded Points coverage of the August 2024 BMO Premium Rewards relaunch with new 4X categories and enhanced benefits.
NerdWallet guide covering BMO's credit card lineup including the Premium Rewards card's welcome bonus, earn rates, and anniversary bonus features.
BMO blog post about the Premium Rewards Mastercard being recognized by money.com as Best New Credit Card for Groceries.
WalletHub's BMO credit card comparison page with editor ratings, user reviews, rewards details, and APR information for the Premium Rewards card.
WalletHub's dedicated review of the BMO Premium Rewards Mastercard with 3.1/5 editor rating, rewards breakdown, and pros/cons analysis.


| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Deductible: 50
Extends the original manufacturer's warranty by up to 24 additional months on items purchased with the card, up to $10,000.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Coverage for lost, damaged, or stolen luggage when you buy your ticket with the card. Covers repair or replacement costs.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$95
Net Annual Value
-$95
Official BMO press release announcing the enhanced Premium Rewards card with new everyday spend bonuses and travel rewards.
Official BMO product page with complete card details, earn rates, benefits, and application information.
Money.com's Best New Credit Cards roundup where BMO Premium Rewards won Best New Card for Groceries.
Upgraded Points coverage of the August 2024 BMO Premium Rewards relaunch with new 4X categories and enhanced benefits.
NerdWallet guide covering BMO's credit card lineup including the Premium Rewards card's welcome bonus, earn rates, and anniversary bonus features.
BMO blog post about the Premium Rewards Mastercard being recognized by money.com as Best New Credit Card for Groceries.
WalletHub's BMO credit card comparison page with editor ratings, user reviews, rewards details, and APR information for the Premium Rewards card.
WalletHub's dedicated review of the BMO Premium Rewards Mastercard with 3.1/5 editor rating, rewards breakdown, and pros/cons analysis.


| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |