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BMO Harris Bank Premium Rewards Mastercard®

BMO Harris Bank Premium Rewards Mastercard

 

 

0% introductory APR on Purchases

 

On purchases for 6 months from account opening date. After that, a variable APR applies, currently 14.49% - 22.49%, 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 14.49% - 22.49%, based on your creditworthiness.1

 

No foreign transaction fees

 

Enjoy no foreign transaction fee regardless of where you are when making a purchase.

 

Concierge Services

 

Enjoy exclusive, personal assistance with making dinner reservations, accessing event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements.

 

Priority Pass Select2

 

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®, Android PayTM, Samsung PayTM and BMO Harris Bank MasterpassTM.

Learn more

 

Chip Technology

 

More protection with every purchase at chip-enabled terminals.

 

15,000 introductory bonus points

 

Receive 15,000 bonus points when you spend $2,500 in first 3 months of account opening.

 

3X points on dining, hotel and airfare

 

Receive 3 points per $1 spent on dining, hotel, and airfare purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent on all other 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.

 

Points don’t expire

 

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.


 

Travel Accident Insurance

 

Covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your eligible Mastercard card (up to $1M benefit).3

 

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.3

 

World Travel 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.

 

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.

 

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.3

 

Price Protection

 

Covers most purchases made entirely with your Mastercard card for 120 days from the date of purchase for the difference between the price paid for the item and the lower advertised price.3

 

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.3

 

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.3

 

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.3


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

Features

 

0% introductory APR

 

On purchases for 6 months from account opening date. After that, a variable APR applies, currently 14.49% - 22.49%, 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 14.49% - 22.49%, based on your creditworthiness.1

 

No foreign transaction fees

 

Enjoy no foreign transaction fee regardless of where you are when making a purchase.

 

Concierge Services

 

Enjoy exclusive, personal assistance with making dinner reservations, accessing event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements.

 

Priority Pass Select Select2

 

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®, Android PayTM, Samsung PayTM and BMO Harris Bank MasterpassTM.

Learn more

 

Chip enabled

 

Chip cards contain an embedded microchip, which provides increased protection against fraud.

 

Learn more

BMO Harris Rewards

 

15,000 introductory bonus points

 

Receive 15,000 bonus points when you spend $2,500 in first 3 months of account opening.

 

3X points on dining, hotel and airfare

 

Receive 3 points per $1 spent in dining, hotel, and airfare purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent on all other 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.

 

Points don’t expire

 

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

 

Travel Accident Insurance

 

Covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your eligible Mastercard card (up to $1M benefit).3

 

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.3

 

World Travel 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.

 

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.

 

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.3

 

Price Protection

 

Covers most purchases made entirely with your Mastercard card for 120 days from the date of purchase for the difference between the price paid for the item and the lower advertised price.3

 

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.3

 

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.3

 

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.


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 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.

 

2 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.

 

3 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.

 

Android, Android Pay and the Android logos are trademarks of Google, Inc.

 

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

New Customer

 

If you’re not a BMO Harris Bank customer yet, there are three ways to apply for the card you want.

 

Existing Customer

 

If you’re already a BMO Harris Bank online banking customer, you can easily apply for your new credit card online.