BMO Harris Bank Platinum Mastercard®
in Personal Credit Cards from BMO Harris Bank
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| Purchase APR (Variable APR) | 11.99% - 18.99% |
| Balance Transfer APR (Variable APR) | 11.99% - 18.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
BMO Harris Bank Platinum Mastercard® Review
This is a credit card issued by BMO Harris Bank. If you're wondering whether BMO Harris Bank Platinum Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. BMO Harris Bank Platinum Mastercard® has a variable purchase APR that ranges from 11.99% up to 18.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Does BMO Harris Bank Platinum Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BMO Harris Bank Platinum Mastercard® benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for BMO Harris Bank Platinum Mastercard®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 11.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 18.99%. It also has a variable cash advance APR of 24.24% .
Does BMO Harris Bank Platinum Mastercard® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 11.99% - 18.99% |
| Balance Transfer Fee Minimum | $10 |
Does BMO Harris Bank Platinum Mastercard® have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for BMO Harris Bank Platinum Mastercard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $37 |
| Late Payment Fee | up to $37 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does BMO Harris Bank Platinum Mastercard® have a foreign transaction fee?
BMO Harris Bank Platinum Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for BMO Harris Bank Platinum Mastercard®?
The BMO Harris Bank Platinum Mastercard® customer service number is (888) 340-2265.
What is the support contact email for BMO Harris Bank Platinum Mastercard®?
The support contact email for BMO Harris Bank Platinum Mastercard® is servicemembers@bmo.com.
Does BMO Harris Bank Platinum Mastercard® report your account activity to credit bureaus?
Yes, BMO Harris Bank Platinum Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for BMO Harris Bank Platinum Mastercard®
- Visit the BMO Harris Bank Platinum Mastercard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
111 West Monroe Street
Chicago, IL 60603 - (888) 340-2265
- Visit Site
- Email Support
Other Services by BMO Harris Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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