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. 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 12 months, which is the average period for 0% APR balance transfer cards.
• Signup bonus. Offers a signup bonus of 25000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. BMO Harris Bank Platinum Rewards Mastercard® has a variable purchase APR that ranges from 13.99% up to 21.99%.
• 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.

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

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

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®?

It has a variable purchase APR that ranges from 13.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 21.99%. It also has a variable cash advance APR of 24.24% .

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

The following fees apply:

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® 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.