BMO Harris Bank Premium Rewards Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 24.24% (0% for the first 6 months)
Balance Transfer
16.24% ‐ 24.24% (0% for the first 12 months)
Rewards
1 - 3 points
Signup Bonus
35000 points (after spending $5,000)


7.5/10
Informr score
The BMO Harris Bank Premium Rewards Mastercard currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BMO Harris Bank Premium 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...


CreditCards.com

For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the card’s moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card.

- Kelly Dilworth, CreditCards.com
Money Crashers

The card shares plenty in common with better known travel cards such as Citi ThankYou Premier and Chase Sapphire Preferred. It has a tiered point-earning system that rewards spending in discretionary categories, a broad set of redemption options that include travel and general merchandise, and some...

- Brian Martucci, Money Crashers
Bank Deal Guy

This card offers a pretty nice bonus that’s not too difficult to earn, as well as secondary benefits like points back and card member perks. This card gives traveling benefits with a low annual fee, so consider this card if you like to travel.

- Hilary Tran, Bank Deal Guy

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 24.24% (0% for the first 6 months)

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

Balance Transfer Interest Rate 16.24% ‐ 24.24% (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 26.49%

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

Rates & Fees
Annual Fee $79.00

Waived on the first year.

Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 35000 points after spending $5,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent

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

Gas No
Groceries No
Hotels 3 points per $1 spent

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

Travel 3 points per $1 spent

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

Pharmacy No
Bills No
Additional Details

Receive an anniversary point bonus equal to 15% 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 Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
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

- 2 complimentary visits to participating lounges

- Lost/Damaged Luggage Insurance

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Travel-centric rewards, attractive bonus offers

from CreditCards.com

For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the card’s moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card.

Read full review

For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the card’s moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card.

Read full review

Less

Money Crashers

Great for people who like to travel in style

from Money Crashers

The card shares plenty in common with better known travel cards such as Citi ThankYou Premier and Chase Sapphire Preferred. It has a tiered point-earning system that rewards spending in discretionary categories, a broad set of redemption options that include travel and general merchandise, and some truly generous travel benefits.

Read full review

The card shares plenty in common with better known travel cards such as Citi ThankYou Premier and Chase Sapphire Preferred. It has a tiered point-earning system that rewards spending in discretionary categories, a broad set of redemption options that include travel and general merchandise, and some truly generous travel benefits.

Read full review

Less

Bank Deal Guy

A useful card if you like to travel

from Bank Deal Guy

This card offers a pretty nice bonus that’s not too difficult to earn, as well as secondary benefits like points back and card member perks. This card gives traveling benefits with a low annual fee, so consider this card if you like to travel.

Read full review

This card offers a pretty nice bonus that’s not too difficult to earn, as well as secondary benefits like points back and card member perks. This card gives traveling benefits with a low annual fee, so consider this card if you like to travel.

Read full review

Less

User Reviews


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