BMO Harris Bank Platinum Rewards Mastercard® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
At a glance
The BMO Harris Bank Platinum Rewards Mastercard® credit card is a solid option for those who wish to maximize the points they earn from gas and grocery purchases. Earn 2x points per $1 spent on gas and grocery purchases and 1 point per dollar on all other purchases; you’ll also enjoy a low introductory APR on purchases, an anniversary points bonus each year, and the opportunity to earn up to 25,000 bonus points when you spend $2,000 in the first three months of opening your account.
Our review of the BMO Harris Bank Platinum Rewards Mastercard® Credit Card
The BMO Harris Bank Platinum Mastercard® credit card is a top choice for those seeking a straightforward, low APR credit card option. With a generous six-month introductory period of waived interest on purchases, as well as a 0% APR on balance transfers for fifteen months, this card offers great value for those looking to save on interest charges.
While it may not have the flashy rewards of other cards, the BMO Harris Bank Platinum Mastercard® does come with perks such as no annual fee and access to exclusive events through the Mastercard Priceless® Cities program. With features like digital payment options and 24/7 online account management, this card offers convenience and security for cardholders.
If you’re in the market for a no-frills credit card with a competitive rate and solid benefits, the BMO Harris Bank Platinum Mastercard® is worth considering. Whether you’re looking to make a large purchase or transfer a balance, this card has you covered.
Should You Apply for the BMO Harris Bank Platinum Mastercard®?
Overall, the BMO Harris Bank Platinum Mastercard® is a reliable choice for those seeking a simple, low APR credit card option. While it may not offer the bells and whistles of a rewards card, it provides solid value with its competitive rate and useful features. If you’re looking for a no-nonsense credit card that gets the job done, the BMO Harris Bank Platinum Mastercard® is a solid choice. *Check out other BMO Harris card offers to find the best fit for your financial needs.*
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
- 0% 12-month introductory APR on balance transfers made within 90 days of opening an account
- Earn 25,000 bonus points when you spend $2,000 in the first 3 months of account opening
- 10% anniversary point bonus every year
Who this card may suit
- You want to receive compensation of up to 2x rewards points on gas and groceries
- You want flexibility when you redeem your rewards points
- You're looking for a card with no annual fees
- You wlike to earn up to 25,000 points in the first three months of having your new card
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 21.24% to 28.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 90 days from account opening date |
| Balance Transfer APR | 21.24% to 28.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 32.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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BMO Harris Bank Platinum Rewards Mastercard® Credit Card
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