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
Apply now
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
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BMO Harris Bank Platinum Rewards Mastercard® Rewards Calculator
Your Results
Yearly earnings
$60
Annual fee
$0
Yes, BMO Harris Bank Platinum Rewards Mastercard® credit card is worth its annual fee!
How to maximize your BMO Harris Bank Platinum Rewards Mastercard® rewards?
You can boost your total rewards by getting BMO Harris Bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:
- Spend more on Gas
- Redeem most of your points for Travel purchases at Hotels, Airlines
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with BMO Harris Bank Platinum Rewards Mastercard®.
Your net profit in the first year
$60
x22
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You will receive 6,000 points in the first year (equivalent to $60)
Where you get the most profit
- Gas
- Groceries
- All other purchases
Gas
$24
Groceries
$24
All other purchases
$12
Total
$60
Annual fee
$0
Net yearly credit card profit
$60
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
Pros & Cons
Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- Foreign Transaction Fee
Features
- 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 has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Recommended credit score
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- $39Annual Fee
- 18.24%Regular APR
- 1%Cash Back on payments made to your First Progress Secured credit card account.
- NonePurchase Intro APR
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- $0Annual Fee
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- NonePurchase Intro APR
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- NonePurchase Intro APR
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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.
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- *see terms*Annual Fee
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- NonePurchase Intro APR
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