BMO Platinum Rewards Credit Card
Enjoy a truly rewarding credit card.
2 points per $1 spent on eligible gas, EV charging and grocery purchases, up to $1,500 in combined spend each calendar and 1x on all purchases after that. footnote 1
1 point per $1 spent on all other eligible purchases footnote 1
15% anniversary bonus points when you spend a minimum of $15,000 annually.2footnote 2
Your rates at a glance
| Annual fee, footnote asterisk | Standard Purchase A P R, footnote asterisk | Balance Transfer A P R, footnote asterisk |
|---|---|---|
| $0 | 20.24% - 27.24%,based on your creditworthiness | 0% introductory A P R footnote 3 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 A P R applies, currently 20.24% - 27.24%, based on your creditworthiness. |
Annual fee
Standard Purchase APR
20.24% - 27.24%,based on your creditworthiness
Balance transfers
0% introductory APR footnote 3 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 20.24% - 27.24%, based on your creditworthiness.
Estimate your monthly spending
Additional features
Enjoy access to unique experiences across the globe with Priceless registered symbol Cities, exclusive for Mastercard cardholders.
Pay with your smartphone using Apple Pay Registered symbol, Google Pay trademark and Samsung Pay trademark
Stay on top of your credit card account with B M O Card Monitor.
BMO PaySmart Trademark Installment Plans
Manage your credit card
Make the most of your credit card by taking advantage of special features and money management tools.
All your banking in one app
Check your balance, pay your bills and track your spending all in one place.
BMO Total Look
Get a consolidated view of your BMO and non-BMO financial information with a personalized command center.
Your rewards options
Find out how to redeem your points for the best in travel, merch, gift cards and more.
BMO Card Monitor
Keep tabs on your account by easily managing your credit card and tracking transactions.
Rewards Credit Card FAQs
Have questions? That’s what we’re here for.
- Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: bmo.com/bmoflexrewardsconsumer. 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, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. 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.
- Anniversary Bonus is based on net purchases made in the year prior to Anniversary Date. Please see the Program Rules for more information about the Anniversary Bonus.
- 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.
- 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.
- Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Learn more at http://www.mastercard.us/zero-liability.html.
- Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $400 per claim for Platinum Rewards Credit Card, and $600 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Refer to the Mastercard Guide to Benefits for more information.
- BMO PaySmart installment plans allow cardholders to repay specific eligible purchases in equal monthly payments over a defined repayment schedule. When you create a PaySmart Plan, it will be subject to a fixed monthly fee of up to 1%. The exact fee will be based on the purchase amount and the duration of the plan, which will be disclosed when the plan is created. The monthly plan fee will remain the same until the PaySmart Plan is paid in full. Review the Terms and Conditions.
- Apple and Apple Pay Registered Symbol are trademarks of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Pay 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 registered symbol I D Theft Protection trademark, Master RoadAssist registered symbol, MasterRental registered symbol, Mastercard Identity Check trademark, and the circles design are trademarks of Mastercard International Incorporated.