Bmo Harris Business Platinum Rewards Mastercard Review

Bmo Harris Business Platinum Rewards Mastercard

As the eighth largest bank in North America by assets, BMO provides personal and commercial banking, wealth management and investment services through three integrated operating groups, serving more than 12 million customers. Based on 203 years of experience (and still increasing), they have a global vision and social awareness, a strong brand, unique capabilities, and clear strategies. They are proud of the bank’s highly dedicated workforce and award-winning collaborative culture. BMO employees are committed to transparency, sound governance, and the highest standards of ethical behavior-these values ​​form the basis of trust and strengthen the lasting connections they have established with customers, communities, and each other.

Pros & Cons Analysis of Bmo Harris Business Platinum Rewards Mastercard


  • below average purchase APR

  • 0% APR balance transfer intro rate on balance transfers for up to 9 months

  • the annual interest rate for new purchases in the first 9 months is 0%

  • $0 annual fee

  • multiple commercial credit card benefits

  • provide car rental collision damage exemption

  • purchased extended warranty

  • travel accident and travel assistance insurance


  • charge 2% foreign transaction fee

  • charge 4% balance transfer fee

Bmo Harris Business Platinum Rewards Mastercard Highlights

Benefits: The BMO Harris Bank Business Platinum Rewards Mastercard® credit card has many benefits that business owners will appreciate: Save time by using Apple Pay®, Google Pay™ and Samsung Pay™ to make digital payments from your smartphone. Monitor your transactions online around the clock. Enjoy zero liability, MasterCard Easy Savings®, Priceless® Cities and other functions, as well as various insurance products (such as extended warranty), so that you can also be protected if there is a problem with your purchased product.

0% interest rate: For companies planning to make major investments in their company, a 9-month annual interest rate of 0% is a good benefit. Even better, the card earns 1.5 times unlimited points for every $1 spent on the card, which makes 9 months more attractive. In addition, 1.5X points make BMO Harris Business Platinum Rewards a lucrative business cashback card, like any product in the Capital One Spark series of cards. The card also provides a 0% annual interest rate for balance transfers within the first nine months after the account is opened. After the end of these nine months, the typical APR has changed a lot, but for those with a good credit score, this interest rate is extremely competitive. Companies that open a new account will have a chance to earn 25,000 bonus points after spending 3,000 USD in the first three months of opening the account. This is an easy registration bonus.

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