Benefits of BMO Harris Platinum Rewards Credit Card
Get ready to unlock a world of benefits with the BMO Harris Platinum Rewards Credit Card! This powerhouse of a credit card offers a treasure trove of advantages that will leave you spoilt for choice. From an incredible rewards program that dishes out goodies at every swipe, to enticing travel benefits that will have you jet-setting in style, not to mention the tempting cash back options and top-notch credit card protection. With this card in your wallet, you’ll be reaping the rewards and enjoying the peace of mind that comes with the BMO Harris Platinum Rewards Credit Card. Get ready for an unbeatable financial experience!
Rewards Program
The Bmo Harris Platinum Rewards Credit Card offers a rewards program that provides benefits and incentives to cardholders for their spending.
This program allows cardholders to earn reward points when making purchases, with higher rewards offered for specific categories such as dining, travel, or groceries.
These reward points can then be redeemed for various options, including cash back, travel bookings, merchandise, gift cards, or statement credits.
In addition to the regular rewards, there are also bonus rewards available for specific spending categories or promotional offers.
Cardholders may also have exclusive access to special offers, discounts, or events as part of this rewards program.
To fully maximize these benefits, it is important for cardholders to thoroughly understand the terms and conditions of the program, stay updated on any program changes or updates, and make the most of any bonus opportunities that arise.
Travel Benefits
Travel Benefits, including travel rewards, flight discounts, lounge access, travel insurance, and global assistance, are offered by the BMO Harris Platinum Rewards Credit Card. This credit card is not only known for its exceptional travel benefits but also for its comprehensive rewards program, cash back options, and credit card protection. By availing these travel benefits, travelers can conveniently and stress-freely explore their destination. Apply for the BMO Harris Platinum Rewards Credit Card today and begin to enjoy all the amazing travel benefits it provides.
Who says money can’t buy happiness? With the BMO Harris Platinum Rewards Credit Card, it can at least buy you some cash back!
Cash Back Options
When it comes to cash back options, the BMO Harris Platinum Rewards Credit Card offers the following benefits:
- Earn Cash Back: This credit card allows you to earn cash back on purchases. The specific cash back percentage depends on the category of your purchase. For example, you can earn 1% cash back on everyday purchases and higher percentages on dining or travel.
- Flexible Redemption: You can redeem your cash back in various ways. You can apply it as a statement credit to your credit card balance, deposit it into your bank account, or receive it as a check.
- No Minimum Redemption: The BMO Harris Platinum Rewards Credit Card has no minimum redemption requirement. You can redeem even small amounts of cash back whenever you choose.
- Additional Bonuses: The credit card also offers additional bonuses or promotions that allow you to earn extra cash back. These can include sign-up bonuses for new cardholders or limited-time offers for specific spending categories.
- No Expiration: Your cash back rewards do not expire as long as your credit card account remains open and in good standing. This allows you to accumulate cash back over time and use it whenever you want.
Credit card protection: Because life’s uncertain, but your credit card’s security shouldn’t be.
Credit Card Protection
Credit card protection is of utmost importance, and the BMO Harris Platinum Rewards Credit Card provides comprehensive safeguards to ensure the security of your financial transactions. With its robust protective measures, you can use the card with confidence, without the constant worry of unauthorized access or fraudulent activities. The credit card protection program includes state-of-the-art real-time fraud monitoring, which actively detects and prevents any suspicious transactions. In the unfortunate event of fraud, you are not held liable, providing you with an added sense of peace and comfort.
The BMO Harris Platinum Rewards Credit Card also offers zero liability protection, which extends to both physical card usage and online transactions. This exceptional feature ensures the safety of your finances in all possible scenarios. The credit card protection program includes timely notifications and alerts in case of any unusual activities, allowing you to promptly take necessary actions for your peace of mind.
BMO Harris places a high priority on credit card protection, ensuring that your financial information is secure at all times. This feature grants you the freedom to confidently use your credit card, knowing that your transactions are safeguarded against any unauthorized access or fraudulent attempts.
How to Apply for BMO Harris Platinum Rewards Credit Card?
Applying for the BMO Harris Platinum Rewards Credit Card is a breeze if you meet the eligibility criteria and have the required documents in hand. Discover how you can unlock a world of exclusive rewards and benefits by getting familiar with the easy application process. In this section, we’ll dive into the eligibility criteria and the key documents you need to have ready when applying for this coveted credit card. Get ready to take advantage of the platinum rewards that await!
Eligibility Criteria
When applying for the BMO Harris Platinum Rewards Credit Card, certain eligibility criteria must be met:
- You must be at least 18 years old.
- You need to have a valid Social Security Number or Individual Taxpayer Identification Number.
- You should have a good credit history, with no recent bankruptcies or major delinquencies.
Certain required documents are needed for the application:
- Proof of income, such as recent pay stubs or tax returns, is required.
- Proof of address, such as a recent utility bill or lease agreement, may be required.
- Your Social Security Number or Individual Taxpayer Identification Number is needed for identity verification.
Meeting these criteria and providing the required documents ensures your application is considered.
Required Documents
When applying for the BMO Harris Platinum Rewards Credit Card, it is essential to provide the required documents to complete your application.
These Required Documents are necessary to verify your identity and financial information. Here is a list of the Required Documents:
- Proof of identification: To proceed with your application, it is crucial to provide a valid government-issued identification document, such as a passport or driver’s license.
- Proof of income: Ensure that you submit the necessary documents that prove your income, such as pay stubs, bank statements, or tax returns.
- Proof of residence: It is essential to provide a document that shows your current residential address, such as a utility bill or lease agreement.
- Social Security Number: For identification and verification purposes, it is mandatory to provide your Social Security Number.
- Employment information: It is required to provide details about your current employment, including your job title, employer’s name, and contact information.
To avoid any delays or complications in the application process, it is vital to ensure that all the Required Documents are accurate.
Once you have gathered all the necessary documents, you can proceed with your application for the BMO Harris Platinum Rewards Credit Card.
Understanding the Platinum Rewards Program
Unlock the potential of the Platinum Rewards Program and witness the perks firsthand. Discover how you can earn exciting rewards and make the most of your hard-earned points. From earning rewards through various spending categories to easily redeeming them for exclusive benefits, we’ll uncover the ins and outs of this program. Prepare for a journey where your credit card becomes a gateway to a world of possibilities.
Earning Rewards
When using the BMO Harris Platinum Rewards Credit Card, there are several ways to earn rewards and maximize benefits:
- Make everyday purchases: Use your BMO Harris Platinum Rewards Credit Card for eligible purchases to earn points. From groceries and dining to gas and entertainment, your everyday expenses contribute to rewards.
- Take advantage of bonus categories: The BMO Harris Platinum Rewards Credit Card offers extra rewards in select spending categories. By using these categories, such as travel or dining, you can earn points at a faster rate.
- Utilize introductory offers: When you open your BMO Harris Platinum Rewards Credit Card, you may be eligible for special offers that provide a higher rate of rewards for a specified period. Take advantage of these offers to quickly earn points.
- Refer a friend: BMO Harris may offer a referral program where you can earn additional rewards by referring friends or family members who successfully apply for the credit card.
- Pay your bills: Use your BMO Harris Platinum Rewards Credit Card to pay recurring bills, such as utilities or insurance, and earn rewards on those expenses as well.
- Keep up with promotions: BMO Harris may offer promotions or limited-time bonus rewards opportunities. Stay informed about these promotions to maximize your earning potential.
- Stay active: To earn rewards, actively use your BMO Harris Platinum Rewards Credit Card. Keep your card active and use it for everyday spending to continuously earn points.
By following these strategies, you can consistently earn rewards with your BMO Harris Platinum Rewards Credit Card and maximize the value of your purchases.
Redeeming Rewards
When it comes to redeeming rewards with the BMO Harris Platinum Rewards Credit Card, cardholders have a multitude of options available to them. They are able to choose from a range of possibilities for redeeming their reward points, including cash back, gift cards, travel expenses, or merchandise. In terms of cash back options, cardholders have the flexibility to either receive a statement credit or deposit the cash directly into their BMO Harris Bank account.
When it comes to gift cards, there is a diverse selection of retailers to choose from, including popular brands in retail, dining, travel, and entertainment. The card offers the added benefit of using reward points to book flights, hotels, car rentals, and more for those individuals who prefer to utilize their rewards for travel. Cardholders have the opportunity to redeem their points for a wide variety of merchandise, encompassing electronics, home goods, and fashion items. It is essential to keep in mind that the value of reward points may fluctuate depending on the chosen redemption option. Hence, it is crucial for cardholders to carefully evaluate their preferences and objectives in order to maximize the value of their points.
From travel insurance to a convenient mobile banking app, the BMO Harris Platinum Rewards Credit Card brings additional features and services that will have you feeling like a high roller.
Additional Features and Services
Discover the platinum rewards BMO Harris Credit Card’s additional features and services that bring extra value to your banking experience. From travel insurance for worry-free trips to a convenient mobile banking app for seamless financial management on the go, and even a dedicated concierge service to cater to your needs, this credit card goes beyond its core benefits. Whether you’re a frequent traveler, a tech-savvy individual, or someone who appreciates personalized assistance, this section explores the incredible perks that make this card stand out.
Travel Insurance
Travel Insurance is a crucial feature of the BMO Harris Platinum Rewards Credit Card. It offers coverage for various travel incidents and emergencies, providing peace of mind and financial protection.
The insurance encompasses protection for trip cancellation or interruption, lost luggage, delayed flights, and emergency medical expenses. In the event of unforeseen circumstances like illness or severe weather, if a trip is cancelled or interrupted, the cardholder can receive reimbursement for non-refundable expenses.
For lost or delayed luggage, the cardholder can be reimbursed for necessary items purchased. Should a flight experience a significant delay, the cardholder may be eligible for reimbursement for additional expenses such as meals or accommodation.
One of the primary advantages of this insurance is the coverage it provides for emergency medical expenses. If the cardholder requires medical treatment while traveling, the insurance can cover expenses including hospitalization and medications. This coverage ensures that unexpected medical costs are taken care of, providing peace of mind.
It is important to note that the specific coverage and terms of the insurance may vary. Therefore, it is advisable to review the insurance policy document provided by BMO Harris for detailed information. Travel insurance is a valuable feature of the BMO Harris Platinum Rewards Credit Card, offering protection and support to cardholders during their travels.
From booking reservations to solving life’s little problems, the Concierge Service with BMO Harris Platinum Rewards Credit Card is like having your own personal superhero on speed dial.
Concierge Service
The Concierge Service offered by the BMO Harris Platinum Rewards Credit Card provides personalized assistance and convenience for various aspects of cardholders’ lives. This exceptional service includes 24/7 Support for round-the-clock aid with any requests or inquiries. Cardholders can enjoy Travel Assistance, which includes help with booking flights, hotels, or rental cars. The concierge service offers Dining Reservations to assist in securing a table at popular restaurants. It provides Ticket and Event Assistance, allowing cardholders to easily find and purchase tickets for concerts, sports games, or theater shows. The concierge service offers Gift Ideas and Shopping suggestions for unique gifts and can also assist with online shopping and delivery coordination. Cardholders can also expect Local Recommendations for attractions, sightseeing, and local experiences. The concierge service is there to aid with any Special Requests, ensuring that specific tasks or special requests are promptly fulfilled. The concierge service is designed to enhance cardholders’ lives by providing unparalleled support and convenience.
Download the mobile banking app and never have to interact with another human again – perfect for introverts and people who hate small talk.
Mobile Banking App
The Mobile Banking App is a vital feature of the BMO Harris Platinum Rewards Credit Card, providing convenient and secure banking on the go.
– Easy access: Access your account anytime and anywhere with the Mobile Banking App, giving you full control over your finances.
– Account management: View your account balance, transaction history, and credit card statements to stay updated on your financial status.
– Transfer funds: Conveniently transfer funds between your BMO Harris accounts or to external accounts with a few taps on your mobile device.
– Bill payment: Easily schedule recurring payments or make one-time payments with just a few taps using the Mobile Banking App.
– Card controls: Manage your credit card settings through the app for added security. Temporarily lock your card, set spending limits, and receive instant transaction alerts.
– Mobile deposits: Deposit your checks securely into your account without visiting the bank. Simply take a photo of your check with the app.
– 24/7 support: Access BMO Harris customer support through the Mobile Banking App for any questions or concerns.
With the BMO Harris Mobile Banking App, managing your finances and staying in control has never been easier.
Prepare your wallet for a little pain – here come the fees and charges!
Fees and Charges
When considering the Fees and Charges for the Platinum Rewards BMO Harris Credit Card, it is important to keep a few key factors in mind. The card has an annual fee of $99, which provides access to various rewards and benefits. Transactions made outside of the United States incur a foreign transaction fee of 3% per transaction. Late payments result in a $35 fee, while returned payments have a $25 fee. Individuals interested in transferring balances from other cards are charged a balance transfer fee of 3% per transfer. Understanding these Fees and Charges is essential when deciding if the Platinum Rewards BMO Harris Credit Card is the right choice for you.
Customer Reviews and Feedback
Customer reviews and feedback play a crucial role in evaluating the value and satisfaction of the BMO Harris platinum rewards credit card. When considering this card, it is important to take into account the following points:
1. Positive customer reviews: Many customers highly praise the generous rewards program offered by the BMO Harris platinum credit card. They specifically mention the ease of earning points and the extensive range of redemption options available.
2. Negative customer reviews: Some customers express discontentment with the card’s annual fee, claiming that it outweighs the benefits of the rewards program. A few customers mention difficulties in redeeming points or encountering issues with the customer service.
3. Overall satisfaction of customers: Despite a few negative experiences, the majority of customers appreciate the value they derive from the platinum rewards BMO Harris credit card. They find it highly advantageous for earning rewards on everyday purchases and appreciate the flexibility in redeeming points.
4. Feedback on customer service: Several customers commend the prompt and helpful assistance they received from BMO Harris representatives when resolving issues or addressing concerns. It is worth noting that a small minority of customers report less satisfactory experiences with the customer service.
When making the decision of whether the BMO Harris platinum rewards credit card is suitable for you, it is advisable to consider these customer reviews and feedback.
Some Facts About the Platinum Rewards BMO Harris Credit Card:
- The Platinum Rewards BMO Harris Credit Card is issued by BMO Harris Bank. (Source: Our Team)
- The card offers a range of rewards and benefits. (Source: Upgraded Points)
- It earns BMO Harris Rewards points which can be redeemed for various options such as travel, gift cards, merchandise, donations, or statement credits. (Source: Upgraded Points)
- The Platinum Rewards BMO Harris Credit Card has no annual fee. (Source: BestCards)
- The card is recommended for those who want to earn rewards points on gas and groceries and prefer flexibility in redeeming rewards. (Source: SuperMoney)
Frequently Asked Questions
What are the benefits of the BMO Harris Bank Platinum Rewards Mastercard®?
The BMO Harris Bank Platinum Rewards Mastercard® offers multiple benefits, including an introductory 0% APR rate on balance transfers for up to 9 months, a signup bonus of 25000 points after spending $3,000 within 3 months, and no annual fee. It also provides credit card benefits such as auto rental collision damage waiver, extended warranty protection, identity theft protection, and fraud protection.
What is the APR range for the BMO Harris Bank Platinum Rewards Mastercard®?
The APR for purchases on the BMO Harris Bank Platinum Rewards Mastercard® ranges from 17.99% up to 25.99%. It’s important to note that higher APRs make this card less suitable for those who carry a balance.
Does the BMO Harris Bank Platinum Rewards Mastercard® have foreign transaction fees?
Yes, the BMO Harris Bank Platinum Rewards Mastercard® charges a foreign transaction fee of 3% for transactions made outside the U.S.
What is the credit score requirement to be approved for the BMO Harris Bank Platinum Rewards Mastercard®?
The BMO Harris Bank Platinum Rewards Mastercard® requires a credit score of 650 or higher for good approval odds.
Is there an annual fee for the BMO Harris Bank Platinum Rewards Mastercard®?
No, the BMO Harris Bank Platinum Rewards Mastercard® does not charge an annual fee, making it a low-cost rewards card option.
What are the contact details for customer service of the BMO Harris Bank Platinum Rewards Mastercard®?
You can reach the customer service for the BMO Harris Bank Platinum Rewards Mastercard® by calling (888) 340-2265 or emailing [email protected].
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