BMO Harris Bank Platinum Rewards Mastercard®
Special Offer
- Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter2. Receive 1 point per $1 spent on all other purchases2.
- Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Learn more about intro bonus points1.
- 10% anniversary point bonus every year
- 0% introductory APR 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 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
- No annual fee
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.
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.
BMO Harris Rewards Platinum Rewards Brochure (1,718KB - PDF)
BMO Harris Rewards Platinum Rewards Program Rules (365KB - PDF)
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.
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.
BMO Harris Rewards Platinum Rewards Brochure
(1,718KB - PDF)
BMO Harris Rewards Platinum Rewards Program Rules
(365KB - PDF)
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
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
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
I use BMO Harris Online Banking®
I use BMO Harris Online Banking®
- Sign inFor best experience, complete your application on a desktop
- Select Products & Services, then Products, then Credit Cards
- Apply for the card of your choice.
I use BMO Digital Banking
I use BMO Digital Banking
Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.