BMO Harris Bank Platinum Rewards Mastercard credit card

Are you interested in exploring a thorough review of the BMO Harris Bank Platinum Rewards Mastercard credit card? Responsible Economy has performed a comprehensive analysis of its features, covering aspects like fees, interest rates, eligibility criteria, and all the essential information you need to know. Furthermore, we’ve compiled a comparison of the top credit cards currently available in the United States for the year 2023. So, without any further delay, let’s embark on this exploration together!

Features

In this section, you’ll find all the specifics about the BMO Harris Bank Platinum Rewards Mastercard credit card.

Fees

When evaluating credit cards, the presence of monthly or annual fees is a significant factor to consider. The BMO Harris Bank Platinum Rewards Mastercard credit card brings good news in this regard – it comes with no fees, providing you with a fee-free option to consider.

Interest rate

In the first 12 months, you can take advantage of an introductory offer with a 0% APR (Annual Percentage Rate). After the initial 12-month period, from the fifteenth month onwards, the interest rate will vary between 20.99% and 27.99% APR.

Bonus

Receive 25,000 bonus points when you spend $2,000 within the first 3 months of opening your account.

Cash Back

We’re providing you with a list showcasing the cash back rewards you receive when using the credit card. Depending on the type of purchases, you’ll receive varying levels of cash back.

  • Earn 2 points for every $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter. After reaching the limit, earn 1x point on all purchases.
  • Earn 1 point for every $1 spent on all other eligible purchases.
  • Enjoy a 10% anniversary bonus points boost every year.

Summary table

Here is a summary table with all features of the BMO Harris Bank Platinum Rewards Mastercard credit card:

AspectDetails
Fees$0
Interest Rate20.99% to 27.99% APR
Introductory offer12 months 0% APR
Welcome Bonus25,000 points
Cash Back BenefitsUp to 2 points for every $1 spent
BMO Harris Bank Platinum Rewards Mastercard credit card summary table features

Comparison with the best credit cards 2023

We’ve conducted a thorough comparison between the BMO Harris Bank Platinum Rewards Mastercard credit card and other top credit cards available in the United States for 2023:

Chase freedom unlimited
  • Fees: $0
  • Cashback: 1,5%-6,5%
  • Bonus: up to $300
  • Credit Score: 690-850
Wells Fargo Active Cash Card
  • Fees: $0
  • Cashback: 2%
  • Welcome bonus: $200
  • Credit Score: 690-850
Chase Sapphire Preferred Card
  • Fees: $95
  • Cashback: 1x-5x
  • Welcome bonus: 60.000 points
  • Credit Score: 690-850
Capital One SavorOne Cash Rewards Credit Card
  • Fees: $0
  • Cashback: 1%-10%
  • Welcome bonus:$200
  • Credit Score: 690-850
Capital One Venture Rewards Credit Card
  • Fees: $95
  • Cashback: 2x-5x
  • Welcome bonus:75.000 miles
  • Credit Score: 690-850
Discover it Cash Back
  • Fees: $0
  • Cashback: 1%-5%
  • Welcome bonus: up to $300
  • Credit Score: 690-850
Citi Simplicity Card
  • Fees: $0
  • Cashback: 1%-5%
  • Welcome bonus: $200
  • Credit Score: 690-850
BankAmericard credit card
  • Fees: $0
  • Cashback: up to 3%
  • Welcome bonus: $200
  • Credit Score: 690-850
Costco credit card image
  • Fees: $0
  • Cashback: up to 4%
  • Welcome bonus: $0
  • Credit Score: 690-850
Burlington credit card image
  • Fees: $0
  • Cashback: up to 5%
  • Welcome bonus: $0
  • Credit Score: 690-850
Sofi credit card
  • 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 Rewards Mastercard credit card with other options, we have compiled a table highlighting its advantages and disadvantages:

ProsCons
No annual feesExcellent credit score
Welcome bonus of 25,000 points
Earn to 2 points for every $1 spent
BMO Harris Bank Platinum Rewards Mastercard credit card pros and cons

Requiremts

To be eligible for the BMO Harris Bank Platinum Rewards 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 Rewards Mastercard credit card:

Conclusions and opinions

After conducting our analysis, our opinion is that the BMO Harris Bank Platinum Rewards Mastercard credit card is a highly favorable option. It comes with no annual maintenance fees, offers a bonus of 25,000 points, provides cash back on purchases, and features an introductory offer of 0% APR for the first 12 months.

Interesting information about BMO

We have created a table with relevant information about BMO:

InformationDescription
Websitehttps://www.bmo.com/en-us
Facebookhttps://www.facebook.com/bmoUSA
Twitterhttps://twitter.com/BMO_US
Instagramhttps://www.instagram.com/bmo_US/
Linkedinhttps://www.linkedin.com/company/bmo-us
Interesting information about BMO

Other BMO products

We’ve also provided a list of all the BMO Harris products we have analyzed:

Related content

Finally you have a related posts about credit cards:

Updated the day 1 September, 2023 by Alfredo Barandiarán

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Abrir chat
Hola 👋
¿En qué podemos ayudarte?