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BMO Harris Bank Credit Cards

BMO Harris Bank is a leading credit card issuer that offers both personal and business credit cards and financial tools for easy everyday banking. BMO Harris Bank’s products are rich on rewards and target customers with strong credit histories. Browse credit cards below.

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Showing 6 Cards

Date Reviewed: June 06, 2019

BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card

BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card
  • Regular Purchase APR 11.99%, 16.99%, or 20.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99%, 16.99%, or 20.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Easily earn rewards points each time you make a purchase at a supplier or vendor that you use to help run your business. There is no points expiration or limit
  • No annual fee
  • 0% introductory APR on purchases for first 9 months from date of opening account
  • 25,000 bonus points when you spend $6,000 in the first 3 months of account opening
Rates & Fees
  • Intro Purchase APR: 0% for 9 months from account opening date
  • Regular Purchase APR: 11.99%, 16.99%, or 20.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 11.99%, 16.99%, or 20.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, withever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39

Date Reviewed: June 06, 2019

BMO Harris Bank Business Platinum Mastercard® Credit Card

BMO Harris Bank Business Platinum Mastercard® Credit Card
  • Regular Purchase APR 9.99%, 14.99%, or 19.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.99%, 14.99%, or 19.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases for the first 9 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
Rates & Fees
  • Intro Purchase APR: 0% for 9 months from account opening date
  • Regular Purchase APR: 9.99%, 14.99%, or 19.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 9.99%, 14.99%, or 19.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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: $35
  • Over Limit Penalty Fee: $39

Date Reviewed: June 06, 2019

BMO Harris Bank Platinum Mastercard Credit Card

BMO Harris Bank Platinum Mastercard Credit Card
  • Regular Purchase APR 11.99%, 13.99%, 16.99% or 18.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99%, 13.99%, 16.99% or 18.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 0% introductory APR on purchases for 6 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
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 11.99%, 13.99%, 16.99% or 18.99% 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: 11.99%, 13.99%, 16.99% or 18.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: EIther $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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 $37
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: June 05, 2019

BMO Harris Bank Platinum Rewards Mastercard®

BMO Harris Bank Platinum Rewards Mastercard®
  • Regular Purchase APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 13.99%, 15.99%, 18.99% or 21.99% 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: 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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 $37
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: June 05, 2019

BMO Harris Bank Cash Back Mastercard®

BMO Harris Bank Cash Back Mastercard®
  • Regular Purchase APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • $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
Rates & Fees
  • Regular Purchase APR: 13.99%, 15.99%, 18.99% or 21.99% 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: 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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 $37
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: June 05, 2019

BMO Harris Bank Premium Rewards Mastercard®

BMO Harris Bank Premium Rewards Mastercard®
  • Regular Purchase APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $79
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 13.99%, 15.99%, 18.99% or 21.99% 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: 13.99%, 15.99%, 18.99% or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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 $37
  • Return Payment Penalty Fee: Up to $37

 

About BMO Harris Bank

BMO Harris Bank is one of the largest banks in the United States, with over 600 branches in eight states. The bank has its headquarters in Chicago, Illinois – the same city where it was founded in 1882. Today the bank has assets of over $137 billion as of December 2019 – making it the 20th biggest bank in terms of assets nationally.

BMO Harris is currently a subsidiary of the Canadian financial giant, Bank of Montreal. Initially, however, it began as N.W. Harris & Co. in Chicago in 1882 by Normal Walt Harris. The bank went through several name changes until settling as Harris Bank in 1972.  In 1984 the Bank of Montreal (later known as BMO Financial Group) acquired Harris Bank, giving it the current name.

Bank Locations

BMO Harris currently operates over 600 branches throughout the following U.S. states:

  • Arizona
  • Illinois
  • Indiana
  • Florida
  • Kansas
  • Minnesota
  • Missouri
  • Wisconsin

For a complete listing of BMO Harris branch locations, visit the bank’s dedicated location finder.

The bank also operates thousands of ATMs, both in branches and in the communities that the bank serves. The bank also has a relationship with the Allpoint ATM Network. That network provides fee-free access to over 43,000 ATMs throughout the United States.

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.
  • Onefinestay: Enjoy 10% savings on over 1,000 rental properties worldwide.
  • 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:

What does BMO stand for?

  • BMO stands for “Bank of Mo” The bank encourages consumers to pronounce BMO as “be-moo.”

Is BMO Harris Bank federally insured?

  • BMO Harris is FDIC insured.

What is the routing number for BMO Harris?

  • The routing number for personal bank accounts is 071025661.

How do you redeem BMO Harris Rewards?

Do BMO Harris Rewards expire?

  • Rewards points never expire if the BMO Harris credit card account is open and in good standing.