BMO Harris Bank Premium Rewards Mastercard®
Special Offer
- 3 points per $1 spent on eligible dining, hotel and airfare, up to $2,500 in combined spend each calendar quarter; 1 point per $1 spent on all other purchases
- Introductory Offer: 35,000 bonus points when you spend $5,000 in the first 3 months of account opening. Learn more about intro bonus points.1
- 15% anniversary point bonus every year
- No Foreign Transaction Fees
- 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 13.99% - 21.99%, based on your creditworthiness.footnote 2
- Low annual fee of $79 (first year waived)
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 13.99% - 21.99%, based on your creditworthiness.footnote 2
No foreign transaction fees
Enjoy no foreign transaction fee regardless of where you are when making a purchase.
Priority Pass™ Select3
Your key to over 850 airport VIP lounges worldwide. As an added benefit, receive 2 complimentary visits to participating lounges.
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
Purchasing power
Welcomed at millions of locations worldwide, wherever Mastercard® credit cards are accepted.
Digital payments
Make purchases with your smartphone using Apple Pay®, Google PayTM and Samsung PayTM.
Learn more
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
35,000 introductory points
Receive 35,000 bonus points when you spend $5,000 in the first 3 months of account opening. Learn more about intro bonus points.
3X points on dining, hotel and airfare
Receive 3 points per $1 spent on eligible dining, hotel, and airfare purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent 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.
15% Anniversary Bonus
Receive an anniversary points bonus equal to 15% 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 Premium Rewards Brochure (1,294KB - PDF)
BMO Harris Rewards Premium Rewards Program Rules (365KB - PDF)
Lost or Damaged Luggage Insurance
Reimburses you for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your eligible Mastercard card.footnote 4
Cellular Wireless Telephone Protection
As long as you pay your monthly eligible cellular bill with your covered BMO Harris Mastercard, you are automatically eligible for coverage up to $600* – at no additional cost. Certain terms and conditions apply.footnote 5
Mastercard ID Theft Protection™ - 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 Protection™ - Identity Monitoring
IDT searches the internet to detect compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold.
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.
Get details
Extended Warranty
Doubles the original manufacturer's (or U.S. store brand) warranty for up to 24 months on most new items purchased with your eligible Mastercard that have an original manufacturer’s warranty of 24 months or less.footnote 4
Travel Assistance Services
Mastercard Travel Services™ a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies. Includes complimentary travel planning and access to a professional travel advisor that will help you plan your trip — at your convenience, 24 hours a day, 7 days a week.
Travel Assistance Services - 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.footnote 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.footnote 4
Purchase Assurance
Provides coverage for most items you purchase with your eligible Mastercard card if the item is damaged or stolen within 90 days of the date of purchase.footnote 4
Mastercard Identity CheckTM
Mastercard Identity CheckTM helps ensure that only you can make online purchase with your card. It’s safe, easy and free.
Learn more
For complete benefit information, refer to the Mastercard Guide to Benefits.
Features
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 13.99% - 21.99%, based on your creditworthiness.footnote 2
No foreign transaction fees
Enjoy no foreign transaction fee regardless of where you are when making a purchase.
Priority Pass Select™ Select3
Your key to over 850 airport VIP lounges worldwide. As an added benefit, receive 2 complimentary visits to participating lounges, which apply against your first member and/or guest visits.
Learn more
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
Purchasing power
Your card is accepted at millions of locations worldwide.
Digital payments
Make purchases with your smartphone using Apple Pay®, Google PayTM and Samsung PayTM.
Learn more
Chip enabled
Chip cards contain an embedded microchip, which provides increased protection against fraud.
Learn more
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
35,000 introductory points
Receive 35,000 bonus points when you spend $5,000 in the first 3 months of account opening. Learn more about intro bonus points.
3X points on dining, hotel and airfare
Receive 3 points per $1 spent in eligible dining, hotel, and airfare purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent 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.
15% Anniversary Bonus
Receive an anniversary points bonus equal to 15% 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 Premium Rewards Brochure
(1,294KB - PDF)
BMO Harris Rewards Premium Rewards Program Rules
(365KB - PDF)
Protection & Assistance
Lost or Damaged Luggage Insurance
Reimburses you for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your eligible Mastercard card.footnote 4
Cellular Wireless Telephone Protection
As long as you pay your monthly eligible cellular bill with your covered BMO Harris Mastercard, you are automatically eligible for coverage up to $600* – at no additional cost. Certain terms and conditions apply.footnote 5
Mastercard ID Theft Protection™ - 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 Protection™ - Identity Monitoring
IDT searches the internet to detect compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold.
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.
Get details
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.footnote 4
Travel Assistance Services
Mastercard Travel Services™ a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies. Includes complimentary travel planning and access to a professional travel advisor that will help you plan your trip — at your convenience, 24 hours a day, 7 days a week.
Travel Assistance Services - 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.footnote 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.
Purchase Assurance
Provides coverage for most items you purchase with your eligible Mastercard card if the item is damaged or stolen within 90 days of the date of purchase.footnote 4
Mastercard Identity CheckTM
Mastercard Identity CheckTM helps ensure that only you can make online purchase with your card. It’s safe, easy and free.
Learn more
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
Have a question?
Current cardholders call the number on the back of your card.
footnote 1 details 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. Information regarding rates and offers is subject to change. Please visit www.bmoharris.com/cards for the most up-to-date offers available.
footnote 2 details 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.
footnote 3 details As a Priority PassTM Select member, you agree to abide by the Priority Pass Conditions of Use, which can be found in the lounge directory included with your membership credentials or at www.prioritypass.com/en/Select. See Guide to Benefits for additional information.
footnote 4 details Certain terms, conditions, and exclusions apply. Extended Warranty, 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.
footnote 5 details Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim, and is subject to a $50 co-pay per claim. $1,000 maximum claim benefit per 12 months. 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®, Mastercard Identity CheckTM, and the circles design are trademarks of Mastercard International Incorporated.
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.