
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
BMO Harris Bank Platinum Mastercard® 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 is everything you need to know 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 oods if your credit score is above600.
The Good | The Bad |
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Is there a BMO Harris Bank Platinum Mastercard® cash back or rewards program?
No, BMO Harris Bank Platinum Mastercard® does not offer a rewards program.
What are the BMO Harris Bank Platinum Mastercard® benefits?
BMO Harris Bank Platinum Mastercard® 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BMO Harris Bank Platinum Mastercard® has lower than average purchase APRs.BMO Harris Bank Platinum Mastercard® 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 introductory APR offer on balance transfers?
Yes, BMO Harris Bank Platinum Mastercard® offers an introductory 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 introductory APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an introductory 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 to BMO Harris Bank Platinum Mastercard®:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $37 |
Late Payment Fee | up to $37 |
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 a foreign transaction fee.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 - Visit Site
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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