Last Updated: 07/28/2025
BMO Harris Bank Platinum Rewards Mastercard®
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
BMO Harris Bank Platinum Rewards Mastercard® Review
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 9 months, which is shorter than the average 0% APR period of 12 months.
- Welcome offer. Offers a signup bonus of 25000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 you have a fair credit score or better.
Pros & Cons of BMO Harris Bank Platinum Rewards Mastercard®
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BMO Harris Bank Platinum Rewards Mastercard® FAQ
Does BMO Harris Bank Platinum Rewards Mastercard® have a cash back or rewards program?
| Description |
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 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?
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Does BMO Harris Bank Platinum Rewards Mastercard® have an intro APR offer on balance transfers?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% - 25.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 9 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does BMO Harris Bank Platinum Rewards Mastercard® have a foreign transaction fee?
BMO Harris Bank Platinum Rewards Mastercard® charges a foreign transaction fee of up to 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®?
What is the login page for BMO Harris Bank Platinum Rewards Mastercard®?
How do people rate the customer service and user experience of BMO Harris Bank Platinum Rewards Mastercard®?
Does BMO Harris Bank Platinum Rewards Mastercard® report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does BMO perform a hard credit pull?
How to apply for BMO Harris Bank Platinum Rewards Mastercard®
- Visit the website of BMO Harris Bank Platinum Rewards Mastercard®.
- 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.
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.
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