If you are currently a member of BMO Harris Bank, the BMO Harris Bank Platinum Rewards Mastercard® is a decent credit card that you should consider signing up for.
It has no annual fee and you can earn up to 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined category spending and 1 point per $1 spent on all other purchases.
It currently has a special sign up offer of 25,000 bonus points when you spend $2,000 within the first 3 months of account opening. Check out what the BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card has to offer down below.
*Check out BMO Harris Bank bonuses for Checking & Savings accounts.
Table of Contents
- 1 BMO Harris Platinum Rewards Mastercard Summary
- 2 Editor’s Alternate Pick
- 3 BMO Harris Bank Platinum Rewards Card 25,000 Bonus Points
- 4 What Are BMO Harris Bank Platinum Rewards Points Worth?
- 5 BMO Harris Bank Platinum Rewards Card Availability
- 6 BMO Harris Platinum Rewards Mastercard Benefits
- 7 Bottom Line
- 8 What’s The Competition?
BMO Harris Platinum Rewards Mastercard Summary
| Bonus Available | Get 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. |
| *Bonus Value | $300 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Earn 2 points per $1 spent on eligible gas and grocery purchases. On up to $2,500 in combined spend each calendar quarter.
Receive 1 point per $1 spent on all other purchases. Enjoy a 10% anniversary point bonus every year. |
| Foreign Transaction Fees | 3% |
| Airport Lounge Access | N0 |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score) 690 – 850 (Good – Excellent)
PROS
- No annual fee
- Welcome bonus
- Anniversary bonus
CONS
- Good-Excellent credit needed to qualify
- Capped rewards on bonus categories
- Limited availability
- Foreign transaction fees
Editor’s Alternate Pick
 The Capital One® VentureOne® Rewards Card offers a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel. You'll earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
BMO Harris Bank Platinum Rewards Card 25,000 Bonus Points
Get the BMO Harris Bank Platinum Rewards Card’s 25,000 bonus points offer today. We value these points to be worth over $300 when you redeem them for travel awards.
To qualify for this offer, you must charge at least $2,000 to your card within the first three months of opening your account.
Here are some ideas on meeting the spending requirement:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
| |
What Are BMO Harris Bank Platinum Rewards Points Worth?
Similar to other rewards cards on the market, the value of your points will depend on how you use them. When you feel that you are ready to redeem your BMO Harris Bank Platinum Rewards points, you have a wide selection of options such as:
- Airfare, hotel stays, cruises or vacation packages
- Gift cards
- Merchandise
- Statement credits
Using your 25,000 points for travel awards will net you $300 in value. In other words, each point used will be worth around $0.012 per point.
BMO Harris Bank Platinum Rewards Card Availability
The BMO Harris Bank Platinum Rewards card is only available to those who live near a BMO Harris Bank. The areas that have a BMO Harris Bank are:
- Arizona
- Florida
- Indiana
- Illinois
- Kansas
- Minnesota
- Missouri
- Wisconsin
If you don’t live in these areas, you should probably consider a card that is more widely available.
BMO Harris Platinum Rewards Mastercard Benefits
- 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.
- Online account management: Access and manage your account online at any time.
- 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
- Mastercard Travel Benefits: Lost or damaged luggage insurance, a bare-bones form of travel insurance that’s not a substitute for a more comprehensive policy. Roadside assistance for stranded drivers. Complimentary loss and damage coverage on rental cars charged in full to your card.
- 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.
Bottom Line
For those who already have an account with BMO Harris Bank and are looking to get extra bonus points? The BMO Harris Bank Platinum Rewards Mastercard® is a decent rewards card that comes with no annual fee and offers up to 2X points per $1 spent on gas and grocery purchases or 1X points per $1 spent on all other purchases.
All of this comes with a 10% anniversary point bonus each year. If this wasn’t the card for you, feel free to check out the Best BMO Harris Bank Promotions or our full list of the best credit card bonuses to find out which one suits your needs.
(Visit BMO Harris Bank for more details)
What’s The Competition?
 The Hilton Honors American Express Card offers offers 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. You'll have the opportunity to earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands., 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, & 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. This card comes with annual fee and no foreign transaction fees, so you can enjoy international travel without additional fees on purchases made abroad. |
The Capital One® VentureOne® Rewards Card offers a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel. You'll earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| CIT Bank Savings Builder | $300 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| You InvestSM by J.P. Morgan | $625 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| UFB Direct High Yield Savings | 2.00% APY | Review |
| Simple | 2.15% APY | Review |
| Betterment EverydayTM Cash Reserve | 1.78% APY | Review |
| E*TRADE | $2,500 Cash | Review |
| Ally Invest | $3,500 Cash | Review |
| TD Ameritrade | $600 Cash | Review |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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