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  BMO Harris Bank Platinum Rewards Mastercard®
BMO Harris Bank Platinum Rewards Mastercard® Claimed

BMO Harris Bank Platinum Rewards Mastercard®

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Highlights
Purchase APR  (Variable APR) 17.99% - 25.99%
(Verified 01/27/2023)
Balance Transfer APR  (Variable APR) 17.99% - 25.99%
(Verified 01/27/2023)
Credit Score Range 650 - 850
Annual Fee $0

BMO Harris Bank Platinum Rewards Mastercard® Review

This is a rewards credit card issued by BMO Harris Bank. If you're wondering whether BMO Harris Bank Platinum Rewards Mastercard® is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 9 months , which is shorter than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of 25000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 25.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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 650.

Pros & Cons of BMO Harris Bank Platinum Rewards Mastercard®

The Good The Bad
  • Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Learn more about intro bonus points.1 10% anniversary point bonus every year
  • Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent on all other purchases.
  • 10% anniversary point bonus every year
  • 0% APR balance transfer intro rate on balance transfers for up to 9 months.
  • No balance transfer fee.
  • 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
  • Cardholders can earn rewards on their purchases.
  • BMO Harris Bank Platinum Rewards Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.

BMO Harris Bank Platinum Rewards Mastercard® FAQ

Does BMO Harris Bank Platinum Rewards Mastercard® have a cash back or rewards program?

BMO Harris Bank Platinum Rewards Mastercard® is a rewards card.

BMO Harris Bank Platinum Rewards Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 25000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does BMO Harris Bank Platinum Rewards Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does BMO Harris Bank Platinum Rewards Mastercard® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the BMO Harris Bank Platinum Rewards 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 Rewards 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. This card has higher than average regular APRs.

BMO Harris Bank Platinum Rewards Mastercard® has a variable purchase APR that ranges from 17.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 25.99%. It also has a variable cash advance APR of 29.49% .

Does BMO Harris Bank Platinum Rewards 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 9 months.

BMO Harris Bank Platinum Rewards Mastercard® Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 9 months
Balance Transfer APR 17.99% - 25.99%
Balance Transfer Fee Minimum $10

Does BMO Harris Bank Platinum Rewards Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for BMO Harris Bank Platinum Rewards Mastercard®?

The following fees apply:

BMO Harris Bank Platinum Rewards Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does BMO Harris Bank Platinum Rewards Mastercard® have a foreign transaction fee?

BMO Harris Bank Platinum Rewards 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 Rewards Mastercard®?

The BMO Harris Bank Platinum Rewards Mastercard® customer service number is (888) 340-2265.

What is the support contact email for BMO Harris Bank Platinum Rewards Mastercard®?

The support contact email for BMO Harris Bank Platinum Rewards Mastercard® is servicemembers@bmo.com.

What is the BMO Harris Bank Platinum Rewards Mastercard® login page?

You can access the BMO Harris Bank Platinum Rewards Mastercard® login page here.

How do people rate the customer service and user experience of BMO Harris Bank Platinum Rewards Mastercard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does BMO Harris Bank Platinum Rewards Mastercard® report your account activity to credit bureaus?

Yes, BMO Harris Bank Platinum Rewards 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 Rewards Mastercard®

  • Visit the BMO Harris Bank Platinum Rewards 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.

BMO Harris Bank Platinum Rewards Mastercard® Disclosure: 1- 0% introductory APR on Purchases valid for the first nine months from account opening date. Please refer to the Summary of Credit Terms (https://www.bmoharris.com/pdf/credit/standardcreditcards.pdf) for important information about rates and fees. Balance Transfers available to Primary Cardholder only. For more details, please see the Business Credit Cardholder Agreement. 0% APR is valid for nine months from the date of the first balance transfer when the balance transfer is made within 90 days of account opening. Please refer to the Summary of Credit Terms for important information about rates and fees. 2 - Participation in BMO Harris RewardsSM is subject to terms and conditions found in BMO Harris Rewards Program Rules, available at: https://www.bmoharris.com/pdf/credit/rewardsprogramrules.pdf. The Account must be current and in good standing to accrue and redeem points. While points don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points. All accrued points not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three month period. Information regarding rates and offers is subject to change. Please visit www.bmoharris.com/smallbizcard for the most up-to-date offers available. Point values are current for new accounts only approved on or after 1/20/2021 and are subject to change at any time.
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.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
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 650 - 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 Categories
  • 2x Points on Gas up to $2500 quarterly
  • 2x Points on Groceries up to $2500 quarterly
  • 1x Point on Every Purchase up to $2500 quarterly
Signup Bonus (points) 25,000
Cash Advance APR (Variable APR) 29.49%
APR Type Variable APR
Balance Computation “Average daily balance (including new transactions).”
Purchase APR (Variable APR) 17.99% - 25.99%
(Verified 01/27/2023)
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 9 months
Balance Transfer APR (Variable APR) 17.99% - 25.99%
(Verified 01/27/2023)
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
  • Zero Percent
Card Network Mastercard

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