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BMO credit cards review 2023: bonus, cash back, points, fees, interest rate and requirementsDespite charging an annual fee, the competitive % interest rate, along with other features, make it a compelling option. With a low annual fee of $20, a % interest rate on purchases and a % introductory interest rate on balance transfers, this card can. This personal low-interest credit card has the lowest BMO interest rate of % for purchases and % on cash advances.