Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.99% - 24.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.99% - 24.99%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
Up to $79
BMO Harris Bank Premium Rewards Mastercard® Review
This is a rewards card issued by BMO. If you're wondering whether BMO Harris Bank Premium Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Welcome offer. Offers a signup bonus of 35000 points that can be redeemed for travel, gifts, or other perks.
- APRs: BMO Harris Bank Premium Rewards Mastercard® has a variable regular purchase APR that ranges from 16.99% up to 24.99%.
- A 4% balance transfer fee. BMO Harris Bank Premium Rewards Mastercard® charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- 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, purchase security, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of BMO Harris Bank Premium Rewards Mastercard®
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BMO Harris Bank Premium Rewards Mastercard® FAQ
Does BMO Harris Bank Premium Rewards Mastercard® have a cash back or rewards program?
BMO Harris Bank Premium Rewards Mastercard® is a rewards card.
| Description |
Does BMO Harris Bank Premium Rewards Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 35000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does BMO Harris Bank Premium Rewards Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the BMO Harris Bank Premium Rewards Mastercard® benefits?
BMO Harris Bank Premium Rewards Mastercard® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for BMO Harris Bank Premium 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.BMO Harris Bank Premium Rewards Mastercard® has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR of 30.99% .
Does BMO Harris Bank Premium 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.99% - 24.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does BMO Harris Bank Premium 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 Premium Rewards Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $79.
Does BMO Harris Bank Premium Rewards Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for BMO Harris Bank Premium Rewards Mastercard®?
The customer service number for BMO Harris Bank Premium Rewards Mastercard® is (888) 340-2265.
What is the login page for BMO Harris Bank Premium Rewards Mastercard®?
You can access the login page of BMO Harris Bank Premium Rewards Mastercard® here.
How do people rate the customer service and user experience of BMO Harris Bank Premium Rewards Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BMO Harris Bank Premium Rewards Mastercard® report your account activity to credit bureaus?
Yes, BMO Harris Bank Premium Rewards Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does BMO perform a hard credit pull?
Yes, BMO Harris Bank Premium Rewards Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BMO Harris Bank Premium Rewards Mastercard®
- Visit the website of BMO Harris Bank Premium 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.
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.
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