Bank · FDIC insured
BMO Credit Card Rates
BMO credit cards start at 19.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How BMO’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where BMO has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
BMO
18.49%APR
- Annual fee
- $95
- Up to
- 27.49% APR
BMO Premium Rewards Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Annual fee
- None
- Up to
- —
BMO credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR19.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BMO ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
BMO Boost Secured Credit Card
Secured by funds in a deposit account acting as collateral in an amount equal to the approved credit limit. Must qualify for and get approved for a Secured Credit Card Savings account and deposit a minimum of $300.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 25.49% | $25 | Standard purchase APR, variable rate. Deposit minimum of $300 into Secured Credit Card Savings account required. |
Sources (2)
All captured Sep 24, 2026
BMO Cash Back Credit Card
Double cash back limited-time offer applies to applications between September 1 and November 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.49%–27.49% | None | Variable purchase APR based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening; variable APR applies thereafter (currently 19.49% - 27.49% based on creditworthiness). |
Sources (2)
All captured Sep 24, 2026
BMO Escape Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.49%–27.49% | $150 | Variable purchase APR based on creditworthiness. |
Sources (2)
All captured Sep 24, 2026
BMO Platinum Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | Introductory APR on purchases for 15 months from account opening date; variable APR applies thereafter (currently 16.49% - 26.49% based on creditworthiness). May lose introductory APR upon late payment. |
| Ongoing | 16.49%–26.49% | None | Variable purchase APR after introductory period, based on creditworthiness. |
Sources (2)
All captured Sep 24, 2026
BMO Platinum Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.49%–27.49% | None | Variable purchase APR based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening; variable APR applies thereafter (currently 19.49% - 27.49% based on creditworthiness). |
Sources (2)
All captured Sep 24, 2026
BMO Premium Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.49%–27.49% | $95 | Variable purchase APR based on creditworthiness. |
Sources (2)
All captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.