Am I eligible?
To get this card, you must also:
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...
- Kelly Dilworth, CreditCards.comFor $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.
- Brian Martucci, Money CrashersThe 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...
- Hilary Tran, Bank Deal GuyThis 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
20.24% ‐ 28.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
20.24% ‐ 28.24% (Variable) (0% for the first 12 months)
|
| Cash Advance Interest Rate |
32.49% (Variable) 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 |
4% Minimum of $10 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 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, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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