USES

Platinum Rewards Mastercard® from BMO Harris Bank Review

Platinum Rewards Mastercard® from BMO Harris Bank — all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
BMO Harris Bank Platinum Rewards Mastercard®
Apply now
Our Rating:
4.19 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    21.24% - 28.24% Variable
  • Balance Transfer APR:
    21.24% - 28.24% Variable
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Apply now

BMO Harris Bank Platinum Rewards Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Gas
$
2X
Groceries
$
1X
All other purchases
$
Have you already recieved the BMO Harris Bank intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 2x Per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter.
    • 1x Per $1 spent on all other eligible purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 21.24% - 28.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening
  • Balance Transfers APR
    • 21.24% - 28.24% Variable
  • APR for Cash Advances
    • 32.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 4% of the amount of each balance transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on balance transfers
Cons:
  • Foreign Transaction Fee

Features

Platinum
Mastercard
Contactless
  • No Annual Fee
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Extended Warranty Protection
  • Good Credit
  • Excellent Credit

About the issuer

BMO Harris Bank
BMO Harris Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
3.5 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
3.91 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 17.99% - 27.99%
    Regular APR
  • 10%
    You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
3.8 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site

See Another Credit Cards in the Bank

BMO Harris Bank Platinum Rewards Mastercard® is an option for those, who need Platinum features. With an APR of 21.24% - 28.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With BMO Harris Bank Platinum Rewards Mastercard® you will get such features as No Annual Fee, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Unsecured
Destiny® Mastercard® The Bank of Missouri
Destiny® Mastercard®
The Bank of Missouri
1.47 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On The Bank of Missouri‘s site