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Get up to 25,000 intro bonus points. Don't miss our best intro offer ever. Apply now

BMO Harris Bank Platinum Rewards Mastercard®

BMO Harris Bank Platinum Rewards Mastercard

Special Offer

 

 

0% introductory APR on Purchases

 

On purchases for 6 months from account opening date. After that, a variable APR applies, currently 15.99% - 23.99%, based on your creditworthiness.

 

0% introductory APR on Balance Transfers

 

On balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 15.99% - 23.99%, based on your creditworthiness.3

 

Priceless® Cities

 

Access to experiences that are special, unique and priceless available in cities across the globe, exclusive for Mastercard cardholders. Choose from one-of-a-kind experiences, special adventures, shopping and dining benefits, the best shows and sporting events, hotel upgrades and small perks that make your city adventures more special.

 

Learn more

 

Digital payments

 

Make purchases with your smartphone using Apple Pay®, Google PayTM, Samsung PayTM and BMO Harris Bank MasterpassTM.

Learn more

 

Purchasing power

 

Welcomed at millions of locations worldwide, wherever Mastercard® credit cards are accepted.

 

Online account management

 

Access and manage your account online at any time.

 

Chip Technology

 

More protection with every purchase at chip-enabled terminals.

 

BMO Harris Card Monitor

 

Stay on top of your credit card account and easily monitor and manage all your card transactions. It’s simple and convenient.



Learn more

 

25,000 introductory bonus points

 

Receive 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Learn more about intro bonus points.

 

2X points on gas and grocery purchases

 

For every $1 you spend on eligible gas and grocery purchases, you’ll receive 2 points, up to $2,500 in combined spend each calendar quarter. Receive 1 point for every $1 you spend on all other eligible purchases. Redeem your points for a variety of great rewards, such as thousands of merchandise options, flexible travel, gift cards to your favorite retailers, or even a statement credit.

 

10% Anniversary Bonus

 

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

 

Your points don't expire as long as your account is open

 

Earn and redeem them whenever you want as long as you have your card. Save for anything from that luxury vacation you’ve been dreaming about to the big ticket item on your wish list. Explore your options.


 

Identity Theft Resolution Services

 

If you believe you are a victim of Identity Theft, Identity Theft Resolution Services provides you with access to a number of services including, credit bureau notification and card replacement assistance, ID theft education and the opportunity to enroll in Identify Theft Alerts.

 

Mastercard® ID Theft Alerts

 

CSID’s proprietary Internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. System alerts you if it detects that your personal information – credit or debit card, Social Security Number, driver's license number or other sensitive data – is being bought or sold online.

 

Sign up today

 

Mastercard Zero Liability

 

Pay only for purchases which you have authorized on your Mastercard credit card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

 

Learn more

 

Extended Warranty

 

Doubles the original manufacturer's (or U.S. store brand) warranty for up to one year on most new items purchased with your eligible Mastercard that have an original manufacturer’s warranty of one year or less.4

 

Price Protection

 

Covers most purchases made entirely with your Mastercard card for sixty (60) days from the date of purchase for the difference between the price paid for the item and the lower advertised price.4

 

Master RoadAssist® Roadside Service

 

Arranges emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your eligible Mastercard card.4

 

MasterRental®

 

Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard card is used to initiate and pay for the entire rental transaction and you decline optional collision/damage waiver offered by the rental company.4


For complete benefit information, refer to the Mastercard Guide to Benefits.

Features

 

0% introductory APR on purchases

 

On purchases for 6 months from account opening date. After that, a variable APR applies, currently 15.74% - 23.74%, based on your creditworthiness.

 

0% introductory APR

 

On balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 15.74% - 23.74%, based on your creditworthiness.1

 

Priceless® Cities

 

Enjoy a look behind-the-scenes, a spot at the front of the line, private experiences or tickets to the most coveted events. With Priceless Cities, you can go beyond the ordinary to tap into priceless possibilities.

 

Learn more

 

Digital payments

 

Make purchases with your smartphone using Apple Pay®, Google PayTM, Samsung PayTM and BMO Harris Bank MasterpassTM.

Learn more

 

Purchasing power

 

Welcomed at millions of locations worldwide, wherever Mastercard® credit cards are accepted.

 

Online account management

 

Access and manage your account online at any time.

 

Chip Technology

 

More protection with every purchase at chip-enabled terminals.

 

BMO Harris Card Monitor

 

Stay on top of your credit card account and easily monitor and manage all your card transactions. It’s simple and convenient.



Learn more

BMO Harris Rewards

 

25,000 introductory bonus points

 

Receive 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Learn more about intro bonus points.

 

2X points on gas and grocery purchases

 

For every $1 you spend on eligible gas and grocery purchases, you’ll receive 2 points, up to $2,500 in combined spend each calendar quarter. Receive 1 point for every $1 you spend on all other eligible purchases. Redeem your points for a variety of great rewards, such as thousands of merchandise options, flexible travel, gift cards to your favorite retailers, or even a statement credit.

 

10% Anniversary Bonus

 

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

 

Your points don't expire as long as your account is open

 

Earn and redeem them whenever you want as long as you have your card. Save for anything from that luxury vacation you’ve been dreaming about to the big ticket item on your wish list. Explore your options.


Protection & Assistance

 

Identity Theft Resolution Services

 

If you believe you are a victim of Identity Theft, Identity Theft Resolution Services provides you with access to a number of services including, credit bureau notification and card replacement assistance, ID theft education and the opportunity to enroll in Identify Theft Alerts.

 

Mastercard® ID Theft Alerts

 

CSID’s proprietary Internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. System alerts you if it detects that your personal information – credit or debit card, Social Security Number, driver's license number or other sensitive data – is being bought or sold online.

 

Sign up today

 

Mastercard Zero Liability

 

Pay only for purchases which you have authorized on your Mastercard credit card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

 

Learn more

 

Extended Warranty

 

Doubles the original manufacturer's (or U.S. store brand) warranty for up to one year on most new items purchased with your eligible Mastercard that have an original manufacturer’s warranty of one year or less.4

 

Price Protection

 

Covers most purchases made entirely with your Mastercard card for sixty (60) days from the date of purchase for the difference between the price paid for the item and the lower advertised price.4

 

Master RoadAssist® Roadside Service

 

Arranges emergency roadside assistance such as jump-starts, tire change, towing and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your eligible Mastercard.4

 

MasterRental®

 

Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard card is used to initiate and pay for the entire rental transaction and you decline optional collision/damage waiver offered by the rental company.4


Terms & Conditions



How to Apply

 

 

 

Apply online in just a few minutes.

BMO Harris Rewards

 

 

 

It’s easy to earn and redeem points for travel, merchandise and gift cards. Every qualifying purchase counts.


Are you an existing cardholder?

 

Check your balance, see your activity and make payments – online, anytime.

 

Access your account online

Have a question?


 

1 Participation in BMO Harris Rewards subject to terms and conditions found in BMO Harris RewardsSM Program Rules, available at: https://www.bmoharris.com/bmoharrisrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, any accrued points or cash back will be forfeited upon Account closure. All cash back is redeemable in the form of a statement credit.

 

The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 – 4 weeks after the conclusion of the three month period. Offer only available for credit card applications received between November 6, 2018 and October 31, 2019.

 

2 Double rewards points only earned on the first $2,500 of combined, qualified net eligible gas and grocery purchases each calendar quarter. Premium Rewards: Triple rewards points only earned on the first $2,500 of combined, qualified net eligible dining, hotel and airfare purchases each calendar quarter. One rewards point earned per $1 for all other qualified net purchases.

 

3 Balance transfers available to Primary Cardholder and Co-Borrower only. You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for important information about rates and fees.

 

4 Certain terms, conditions, and exclusions apply. Extended Warranty, Price Protection, Master RoadAssist® and MasterRental® are underwritten by New Hampshire Insurance Company, an AIG company. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.

 

Apple Pay® is a trademark of Apple Inc.

 

Google Pay and the Google Pay Logo are trademarks of Google LLC.

 

Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks or their respective owners.

 

Mastercard, the Mastercard Brand Mark, Mastercard® ID Theft AlertsTM, Master RoadAssist®, MasterRental®, Masterpass, and the circles design are trademarks of Mastercard International Incorporated.

Apply Now


 

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  1. Sign inFor best experience, complete your application on a desktop
  2. Select Products & Services, then Products, then Credit Cards
  3. Apply for the card of your choice.

 

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Apply in person

 

Stop by a BMO Harris branch near you to complete your application.

 

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Apply in person

 

Stop by a BMO Harris branch near you to complete your application.

 

Find a branch