BMO Harris Bank Platinum Rewards Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 23.74% (Variable) (0% for the first 6 months)
Balance Transfer
15.74% ‐ 23.74% (Variable) (0% for the first 12 months)
Rewards
1 - 2 points
Signup Bonus
25000 points (after spending $2,000)


7.2/10
Informr score
The BMO Harris Bank Platinum Rewards Mastercard® currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BMO Harris Bank Platinum Rewards Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money Crashers

If you’re a casual traveler looking to turn points earned on everyday gas and grocery spending into a free flight or hotel night, you probably won’t notice (or care about) the BMO Harris Bank Platinum Rewards Mastercard‘s drawbacks. After all, with no annual fee, there’s little downside to keeping t...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 23.74% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.74% ‐ 23.74% (Variable) (0% for the first 12 months)

- Intro rate applies on balances transferred within the first 90 days of account opening.

- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 25000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas 2 points per $1 spent

Up to $2,500 in combined purchases per quarter.

Groceries 2 points per $1 spent

Up to $2,500 in combined purchases per quarter.

Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Receive an anniversary point bonus equal to 10% of your annual eligible purchases.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

- Roadside Assistance

- Emergency Card Replacement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


Money Crashers

Lacks truly valuable benefits

from Money Crashers

If you’re a casual traveler looking to turn points earned on everyday gas and grocery spending into a free flight or hotel night, you probably won’t notice (or care about) the BMO Harris Bank Platinum Rewards Mastercard‘s drawbacks. After all, with no annual fee, there’s little downside t...More

If you’re a casual traveler looking to turn points earned on everyday gas and grocery spending into a free flight or hotel night, you probably won’t notice (or care about) the BMO Harris Bank Platinum Rewards Mastercard‘s drawbacks. After all, with no annual fee, there’s little downside to keeping this card in your wallet, even if you use it infrequently or in spurts.

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User Reviews


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