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BMO Harris Bank Premium Rewards Mastercard®
BMO Harris Bank Premium Rewards Mastercard®
- 19.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMO Harris Bank Premium Rewards Mastercard® has many features that can make it an good credit card to have in your wallet. Most of its benefits are available within the first 12 months of opening an account. Cardholders can take advantage of an introductory bonus points offer, 0% introductory APR on balance transfers, and no fee for the first year they have their credit card. Keep reading to learn more about this card’s features.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent on eligible dining, hotel and airfare, up to $2,500 in combined spend each calendar quarter
- Annual fee waived for first year
- Get a 15% anniversary point bonus every year
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening
- Regular Purchase APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first year. After that, $79
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You want to transfer a balance from a high interest credit card and pay it off in 12 months
- You want to earn rewards points for the purchases you make
- You want to join a rewards program that offers opportunities to earn more points
- You don’t want to pay foreign transaction fees when you travel
BMO Harris Bank Cash Back Mastercard®
BMO Harris Bank Cash Back Mastercard®
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
For those looking to cash in on credit cards that will help them earn cash back while spending on groceries and gas, the BMO Harris Bank Cash Back Mastercard® Credit Card is a solid option with comparatively low rates and fees. Earn 2% cash back per dollar spent on eligible gas and grocery purchases, up to 2,500 dollars quarterly, and enjoy an introductory APR of 0% on balance transfers for the first 12 months from opening your account as well as no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 cash back bonus when you spend $2,000 in the first three months of account opening
- 2% cash back per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spending each calendar quarter; 1% cash back on all other purchases
- 0% introductory rate on balance for 12 months on transfers made within 90 days from account opening date
- No annual fee
- Regular Purchase APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You would enjoy earning a $200 cash back bonus
- You want to get 2% cash back on gas and grocery purchases
- You like the idea of an APR of 0% for 1 year on balance transfers made within the first six months of account opening
- You don’t want to pay an annual fee
BMO Harris Bank Platinum Rewards Mastercard®
BMO Harris Bank Platinum Rewards Mastercard®
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMO Harris Bank Platinum Rewards Mastercard® credit card is a solid option for those who wish to maximize the points they earn from gas and grocery purchases. Earn 2x points per $1 spent on gas and grocery purchases and 1 point per dollar on all other purchases; you’ll also enjoy a low introductory APR on purchases, an anniversary points bonus each year, and the opportunity to earn up to 25,000 bonus points when you spend $2,000 in the first three months of opening your account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; receive 1 point per $1 spent on all other purchases
- 0% 12-month introductory APR on balance transfers made within 90 days of opening an account
- Earn 25,000 bonus points when you spend $2,000 in the first 3 months of account opening
- 10% anniversary point bonus every year
- Regular Purchase APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 20.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You want to receive compensation of up to 2x rewards points on gas and groceries
- You want flexibility when you redeem your rewards points
- You’re looking for a card with no annual fees
- You wlike to earn up to 25,000 points in the first three months of having your new card
BMO Harris Bank Platinum Mastercard Credit Card
BMO Harris Bank Platinum Mastercard Credit Card
- 17.74% to 25.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.74% to 25.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.74% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
With a 0% introductory APR on purchases for 15 months from account opening date and no annual fee, the BMO Harris Bank Platinum Mastercard® Credit Card is a great choice for someone who has good-to-excellent credit. In addition, you can take advantage of a generous introductory APR on balance transfers as well as the flexibility to make payments with your smartphone, manage your account online, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on purchases for 15 months from account opening date
- Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
- Mastercard cardholders get access to one-of-a-kind experiences in cities across the globe, hotel upgrades and other perks with Priceless® Cities
- Use your card at millions of locations worldwide, wherever Mastercard® credit cards are accepted
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 17.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 17.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: EIther $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You do not want to pay an annual fee
- You’ll make a balance transfer within 90 days from date of credit card account opening
- You want a card that will waive interest rates on purchases for the first six months
BMO Harris Bank Business Platinum Mastercard® Credit Card
BMO Harris Bank Business Platinum Mastercard® Credit Card
- 15.99% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.99% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from account opening date Intro Purchase APR
At a Glance
Better cash flow is better for business, and the BMO Harris Bank Business Platinum Mastercard credit card is designed to fit your business purchase needs. Enjoy generous introductory APR offers on purchases and balance transfers with 0% interest for up to 18 months, as well as many other hassle-free features that will help you grow your business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases for the first 18 months from date of account opening
- Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
- Save 1% – 25% at qualifying merchants. Use your card for eligible purchases and get automatic rebates at over 40,000 participating locations, including gas, hotels, rental cars, restaurants, office supplies and other business services
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
- Over Limit Penalty Fee: $39
- You want to save on purchases and balance transfers with 0% introductory APR for first 18 months
- Your business could benefit from features like extended warranties, purchase assurance, and zero liability
- You do not want to pay an annual fee
- You want to save up to 25% at qualifying merchants with Mastercard Easy Savings®
You’ve viewed 5 of 6 credit cards
BMO Harris Credit Cards
The bank provides several credit cards for personal use and for small businesses. Most BMO credit cards are Mastercard Platinum products.
Mastercard Platinum is the most common type of Mastercard, offering the following protections to cardholders:
- Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
- D. Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.
The BMO Harris Bank Platinum Rewards Mastercard® is a World MasterCard, meaning it also offers:
- ShopRunner: Free membership providing 2-day shipping with over 120 leading online retailers.
- Mastercard Luxury Hotel Collection: Complimentary upgrades, late checkout, and more at over 2,000 properties worldwide.
- Cell phone protection
Depending on your BMO credit card, you might also receive 0% intro APR, no annual fees, or rewards as either points or cash back. All cards come with a foreign transaction fee.
BMO Harris FAQs
Here are some frequently asked questions about BMO Harris Bank and their credit cards:
- BMO stands for “Bank of Mo” The bank encourages consumers to pronounce BMO as “be-moo.”
- BMO Harris is FDIC insured.
- The routing number for personal bank accounts is 071025661.
- Log on to the BMO Harris Rewards portal and sue points for shopping, travel, gift cards, cash back, or statement credits.
- Rewards points never expire if the BMO Harris credit card account is open and in good standing.
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