bmo.com or via BMO Digital Banking.
The BMO Premium Rewards Mastercard (issued by BMO Bank N.A.) is designed for high-reward travelers and lifestyle spenders, delivering up to 3x points per $1 spent on dining, entertainment, travel, and gas, 1x point on all other purchases, plus a 15% annual relationship point bonus for BMO Premier checking account holders.
Whether you need to log in to BMO Online Banking, submit an immediate monthly card payment, set up automatic recurring monthly AutoPay, track reward points redeemable for premium travel and cash back statement credits, or contact concierge care, this comprehensive guide covers every payment channel and cardholder contact.
BMO Premium Rewards Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| BMO Digital Banking & App (Bank ACH) | $0.00 (Free) | Same-Day Credit if made by 5:00 PM CST |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| BMO Bank Branch Locations | $0.00 (Free) | Immediate Available Credit Restoration |
| Automated Phone Banking (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your BMO Premium Rewards Card Online (Step-by-Step)
- Navigate to: bmo.com (or open BMO Digital Banking App).
- Enter your User ID and Password and click “Sign In”.
- Select your active Premium Rewards Mastercard account.
- Click “Pay Bill”.
- Select payment source: BMO checking account or external bank account (ACH).
- Choose payment amount: Minimum Due, Statement Balance, or Custom Amount.
- Submit payment to receive an instant electronic confirmation receipt.
Alternative Payment Channels
- BMO Digital Banking App: View points, lock cards instantly, and make payments on iOS and Android.
- BMO Bank Branches: Pay in person with cash or check at over 1,000 BMO branch locations across the US.
- Pay by Phone: Call BMO Card Customer Service toll-free 24/7 at 1-888-340-2265.
- Pay by Mail: Send payment check with statement coupon to:
BMO Bank N.A.
P.O. Box 6300
Carol Stream, IL 60197-6300
BMO Premium Rewards Support Directory
- Cardholder Customer Support (24/7): 1-888-340-2265
- Hearing Impaired (TTY): 1-800-659-4262
- Official Banking Portal: bmo.com/credit-cards
- Bank Issuer: BMO Bank N.A., Chicago, IL
Frequently Asked Questions (FAQ)
How do I claim the 15% annual relationship point bonus?
Cardholders with a qualifying BMO checking account automatically receive a 15% bonus deposited annually on all points earned during the prior 12 billing cycles.
Do BMO Premium Rewards points expire?
No. Points do not expire as long as your BMO credit card account remains open and in good standing.
Related Premium Rewards Guides:
Disclaimer: BillPayment.guide is an independent consumer credit guide and is not affiliated with, endorsed by, or operated by BMO Financial Group or BMO Bank N.A. All trademarks belong to BMO.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
