Would you like to delve into an in-depth analysis of the BMO Harris Bank Platinum Mastercard credit card? Responsible Economy has conducted an extensive examination of its attributes, encompassing factors such as fees, interest rates, eligibility requirements, and all the essential details you should be informed about. Additionally, we’ve assembled a comparison of the leading credit cards currently accessible in the United States for the year 2023. So, without further delay, let’s begin this exploration!
Features
In this section, you’ll find all the specifics about the BMO Harris Bank Platinum Mastercard:
Fees
When it comes to credit cards, the presence of monthly or annual fees is a crucial consideration. With the BMO Harris Bank Platinum Mastercard credit card, you’ll be pleased to know that there are no fees attached, offering you a fee-free choice.
Interest rate
During the initial 15 months, you have the opportunity to benefit from an introductory offer featuring a 0% APR (Annual Percentage Rate). Following this introductory period, starting from the fifteenth month onward, the interest rate will fluctuate within the range of 17.99% to 25.99% APR.
Bonus
The BMO Harris Bank Platinum Mastercard doesn’t provide any welcome bonus.
Cash Back
The BMO Harris Bank Platinum Mastercard also does not offer any cash back for purchases made with the card.
Summary table
Here is a summary table with all features of the BMO Harris Bank Platinum Mastercard credit card:
| Aspect | Details |
|---|---|
| Fees | $0 |
| Interest Rate | 17.99% to 25.99% APR |
| Introductory offer | 15 months 0% APR |
| Welcome Bonus | $0 |
| Cash Back Benefits | No |
Comparison with the best credit cards 2023
We’ve conducted a thorough comparison between the BMO Harris Bank Platinum Mastercard credit card and other top credit cards available in the United States for 2023:
- Fees: $0
- Cashback: 1,5%-6,5%
- Bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 2%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $95
- Cashback: 1x-5x
- Welcome bonus: 60.000 points
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-10%
- Welcome bonus:$200
- Credit Score: 690-850
- Fees: $95
- Cashback: 2x-5x
- Welcome bonus:75.000 miles
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 3%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 4%
- Welcome bonus: $0
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 5%
- Welcome bonus: $0
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 3%
- Welcome bonus: $0
- Credit Score: 690-850
Pros and cons
After reviewing all the features and comparing the BMO Harris Bank Platinum Mastercard credit card with other options, we have compiled a table highlighting its advantages and disadvantages:
| Pros | Cons |
|---|---|
| No annual fees | Excellent credit score |
| APR introductory offer | No Welcome bonus |
| No cash back |
Requiremts
To be eligible for the BMO Harris Bank Platinum Mastercard credit card, you must meet the following requirements:
- Excellent credit score
- Must be over 18 years old
- Have a Social Security
- Live in the United States
- Have an American phone
Frequent questions
We have addressed common questions you may have about the BMO Harris Bank Platinum Mastercard credit card:
Conclusions and opinions
After conducting our analysis, our opinion is that The BMO Harris Bank Platinum Mastercard credit card is not a competitive credit card choice. It doesn’t provide any welcome bonus or cash back for purchases made. However, on the positive side, it’s a fee-free credit card and comes with a 15-month introductory offer at 0% APR.
Interesting information about BMO
We have created a table with relevant information about BMO:
| Information | Description |
|---|---|
| Website | https://www.bmo.com/en-us |
| https://www.facebook.com/bmoUSA | |
| https://twitter.com/BMO_US | |
| https://www.instagram.com/bmo_US/ | |
| https://www.linkedin.com/company/bmo-us |
Other BMO products
We’ve also provided a list of all the BMO Harris products we have analyzed:
- BMO Harris checking accounts.
- BMO bonus checking account.
- BMO certificate of deposit.
- BMO Harris savings accounts.
- BMO Harris credit cards.
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Updated the day 1 September, 2023 by Alfredo Barandiarán
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