SuperMoney
  BMO Harris Bank Platinum Mastercard®

BMO Harris Bank Platinum Mastercard®

in Personal Credit Cards from BMO Harris Bank

Unaffiliated

BMO Harris Bank Platinum Mastercard®

Unaffiliated

in Personal Credit Cards from BMO Harris Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend BMO Harris Bank Platinum Mastercard® to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of BMO Harris Bank Platinum Mastercard®
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • BMO Harris Bank Platinum Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
BMO Harris Bank Platinum Mastercard® FAQ

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.

BMO Harris Bank Platinum Mastercard® Balance Transfers
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?

BMO Harris Bank Platinum Mastercard® Purchase Intro Offer
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:

BMO Harris Bank Platinum Mastercard® Fees
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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
No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 24.24%
Balance Computation “Average daily balance (including new transactions).”
Purchase APR (Variable APR) 11.99% - 18.99%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 11.99% - 18.99%
Balance Transfer Fee Minimum $10
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Mastercard

Be the first to rate

 

Would you recommend BMO Harris Bank Platinum Mastercard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

BMO Harris Bank Personal Credit Cards

Loading...