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BMO Harris Bank Credit Cards

We found 6 BMO Harris Bank credit cards. Read on to get more insights.

BMO Harris Bank
4.68
By Hanna Volkava
Updated September 01, 2025
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BMO Harris Bank Platinum Rewards Mastercard®

BMO Harris Bank Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
21.24% - 28.24% Variable
Our Rating:
4.19
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter.
    • 1x Point per $1 spent on all other eligible purchases.
  • Intro Offer:
    • 25,000x Bonus points when you spend $2,000 within 3 months of opening your account.
  • Balance Transfer APR:
    21.24% - 28.24% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The Platinum Rewards Mastercard® Credit Card earns 25,000 bonus points when you spend $2,000 within 3 months of opening your account.

    The Card offers 2x points per $1 spent on eligible gas and groceries (up to $2,500 in combined spend each calendar quarter) and 1x point per $1 spent on all other eligible purchases.

    The Platinum Rewards Mastercard® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on balance transfers made within 90 days of account opening. After that, the variable APR is 21.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 25,000 bonus points (when you spend $2,000 within 3 months of opening your account);
    • 2x points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter;
    • 1x point per $1 spent on all other eligible purchases;
    • 10% anniversary bonus points every year;
    • Cellular Wireless Telephone Protection;
    • Extended Warranty;
    • Access to unique experiences across the globe with Priceless® Cities.
View all Platinum Rewards Mastercard® details
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Card detail

BMO Harris Bank Cash Back Mastercard®

BMO Harris Bank Cash Back Mastercard®
Annual fee:
$0
Regular APR:
21.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on eligible streaming, cable TV and satellite services.
    • 3% Cash Back on eligible gas and grocery purchases.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $200 Cash Back bonus when you spend $2,000 within 3 months of opening your account.
  • Balance Transfer APR:
    21.24% - 28.24% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Cash Back Mastercard® Credit Card earns a $200 Cash Back bonus when you spend $2,000 within 3 months of opening your account. The Card offers 5% Cash Back on eligible streaming, cable TV and satellite services, 3% Cash Back on eligible gas and grocery purchases and 1% Cash Back on all other eligible purchases.

    The BMO Harris Bank Cash Back Mastercard® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on balance transfers made within 90 days of account opening. After that, the variable APR is 21.24% - 28.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Cash Back bonus (when you spend $2,000 within 3 months of opening your account);
    • Get 5% Cash Back on eligible streaming, cable TV and satellite services;
    • Get 3% Cash Back on eligible gas and grocery purchases;
    • Get 1% Cash Back on all other eligible purchases;
    • $400 cell phone protection coverage;
    • Cellular Wireless Telephone Protection.
View all Cash Back Mastercard® details
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Card detail

BMO Harris Bank Platinum Mastercard®

BMO Harris Bank Platinum Mastercard®
Annual fee:
$0
Regular APR:
18.24% - 26.24% Variable
Our Rating:
3.53
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for 15 months from account opening date
  • Balance Transfer APR:
    18.24% - 26.24% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Platinum Mastercard® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases. In addition, there is a 0% introductory APR period for 15 months on balance transfers made within 90 days of account opening. After that, the variable APR is 18.24% - 26.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Priceless® Cities;
    • Digital wallets;
    • Mastercard ID Theft Protection Resolution Services;
    • Mastercard Zero Liability;
    • Cellular Wireless Telephone Protection;
    • Master RoadAssist® Roadside Service;
    • Extended Warranty.
View all Platinum Mastercard® details
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Card detail

BMO Harris Bank Business Platinum Mastercard®

BMO Harris Bank Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
16.49% - 25.49% Variable
Our Rating:
3.72
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for 18 months from account opening date
  • Balance Transfer APR:
    16.49% - 25.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Mastercard® Credit Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 18 months on purchases. In addition, there is a 0% introductory APR period for 18 months on balance transfers made within 90 days of account opening. After that, the variable APR is 16.49% - 25.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Save up to 25% at 40,000+ merchants;
    • Extended Warranty;
    • Zero Liability;
    • Digital Payments;
    • MasterRental®;
    • Mastercard Global Service™;
    • Master RoadAssist®;
    • Travel Assistance Services;
    • Priceless® Cities;
    • Mastercard Easy Savings®;
    • Discounts on Intuit Quickbooks and TurboTax;
    • Up to 20 additional cards;
    • $600 cell phone protection.
View all Business Platinum Mastercard® details
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Card detail

BMO Harris Bank Business Platinum Rewards Mastercard®

BMO Harris Bank Business Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
20.49% - 29.49% Variable
Our Rating:
4.66
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on all purchases.
  • Intro Offer:
    • 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
  • Purchase Intro APR:
    0% Introductory APR for nine months from account opening date
  • Balance Transfer APR:
    20.49% - 29.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card earns 25,000 points when you spend $3,000 within 3 months of account opening. The Card offers 1.5x points for every $1 spent on all purchases.

    The Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 9 months on purchases. In addition, there is a 0% introductory APR period for 9 months on balance transfers made within 90 days of account opening. After that, the variable APR is 20.49% - 29.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 25,000 points (when you spend $3,000 within 3 months of account opening);
    • 1.5x points for every $1 spent on all purchases;
    • Up to 25% at 40,000+ merchants;
    • Up to 20 additional cards;
    • $600 cell phone protection;
    • Extended Warranty;
    • Zero Liability;
    • Travel Assistance Services;
    • Master RoadAssist®;
    • Priceless® Cities;
    • Mastercard Easy Savings®.
View all Business Platinum Rewards Mastercard® details
Learn more
Card detail

BMO Harris Bank Premium Rewards Mastercard®

BMO Harris Bank Premium Rewards Mastercard®
Annual fee:
$0 for the first year
$79 thereafter
Regular APR:
20.24% - 28.24% Variable
Our Rating:
4.68
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3x Points per $1 spent on eligible dining, hotels, and airfare, up to $2,500 in combined spend each calendar quarter.
    • 1x Point per $1 spent on all other eligible purchases.
  • Intro Offer:
    • 35,000x Bonus points when you spend $5,000 within 3 months of opening your account.
  • Balance Transfer APR:
    20.24% - 28.24% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Premium Rewards Mastercard® Credit Card earns 35,000 bonus points when you spend $5,000 within 3 months of opening your account. The Card offers 3x points on eligible dining, hotels, and airfare (up to $2,500 in combined spend each calendar quarter) and 1x point per $1 spent on all other eligible purchases.

    The Card has a 0% introductory APR period for 12 months on balance transfers from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 20.24% - 28.24%, based on your creditworthiness. The annual fee is $79, which is waived the first year.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • 35,000 bonus points (when you spend $5,000 within 3 months of opening your account);
    • 3x points per $1 spent on eligible dining, hotels, and airfare, up to $2,500 in combined spend each calendar quarter;
    • 1x point per $1 spent on all other eligible purchases;
    • 15% anniversary bonus points every year;
    • Priceless® Cities;
    • Priority Pass Select;
    • Mastercard Identity Check;
    • Mastercard Zero Liability;
    • Cellular Wireless Telephone Protection;
    • Lost or Damaged Luggage Insurance.
View all Premium Rewards Mastercard® details
Learn more
Card detail

How to Choose the Right BMO Harris Bank Credit Card?

Sometimes, choosing the right credit card from a specific credit card company can be difficult. Considering BMO Harris Bank, there are three steps that will make your decision process easier.

First of all, you are to check your credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better BMO Harris Bank options of credit cards are available to you.

Secondly, you need to identify why you need a BMO Harris Bank credit card and determine the most important aspects your potential credit card must have. If you want a credit card to improve your credit score, look for the ones with large grace period and no annual fee. If your goal is to avoid spending money on interest, BMO Harris Bank credit cards with the lowest interest and long intro offer are your best choice. If you need a credit card with cash, points, or miles rewards, pay attention to the rewards program offered by BMO Harris Bank.

As a third step, you should compare the BMO Harris Bank offers you think are the best for you, but now looking at all the aspects. Overall, the best credit card fits the following characteristics: low interest rate, long grace period, no fees, extended credit limit, the finance charge calculations include one billing cycle only, and great rewards and sign-up bonuses. You can easily compare BMO Harris Bank credit cards in the table below.

Side-by-Side Comparison of BMO Harris Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Platinum Rewards Mastercard® 21.24% - 28.24% Variable $0
  • 2x Points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter.
  • 1x Point per $1 spent on all other eligible purchases.
  • 25,000x Bonus points when you spend $2,000 within 3 months of opening your account.
    • Cash Back Mastercard® 21.24% - 28.24% Variable $0
  • 5% Cash Back on eligible streaming, cable TV and satellite services.
  • 3% Cash Back on eligible gas and grocery purchases.
  • 1% Cash Back on all other eligible purchases.
  • $200 Cash Back bonus when you spend $2,000 within 3 months of opening your account.
    • Platinum Mastercard® 18.24% - 26.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
    • Business Platinum Mastercard® 16.49% - 25.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
    • Business Platinum Rewards Mastercard® 20.49% - 29.49% Variable $0
  • 1.5x Points for every $1 spent on all purchases.
  • 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
    • Premium Rewards Mastercard® 20.24% - 28.24% Variable $79
  • 3x Points per $1 spent on eligible dining, hotels, and airfare, up to $2,500 in combined spend each calendar quarter.
  • 1x Point per $1 spent on all other eligible purchases.
  • 35,000x Bonus points when you spend $5,000 within 3 months of opening your account.

    • Conclusion

    Today, BMO Harris Bank has a range of credit cards with different options, yet it’s important to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

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