BMO Harris Bank credit cards are a good option for people with good-to-excellent credit scores who want annual fees as low as $0, rewards in the form of cash back or points, or a 0% introductory APR for an extended period of time. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. You can learn more about the latest offers below, and if you have a question about an existing account, you can reach BMO Harris credit card customer service at 1-855-825-9237.
Earn 3 Club Reward points for every eligible dollar charged at Grocery stores/supermarket, Drug store/pharmacy and Automobile fuel service stations (pay at the pump only).
Earn 1 Club Rewards point for every eligible dollar charged. No limit to the amount of points you can earn.
Redeem your points for World-class merchandise, Gift & eGift Certificates, Self-Booking Travel Tool, and Tailored Travel Credit. Card-members with 50,000+ points can design their own reward.
Frequent Flyer Miles: Redeem Club Rewards points for miles with numerous frequent flyer programs. Airline partners include Air Canada Aeroplan®, Delta SkyMiles®, British Airways Avios Points, Southwest Airlines Rapid Rewards®, and many more.
Frequent Guest Points: Use your points in participating hotel frequent guest programs. You must be enrolled in the frequent guest program in order to redeem your points. Hotel programs included Marriott Rewards Points, Starwood Preferred Guest® Starpoints®, Hilton Honors™ and many more.
Additional Info
Car Rental Discounts.
Club Cash® Access.
Identity Theft Assistance.
Apple Pay™, Google Pay™ and Samsung Pay™.
Primary Collision Damage Waiver Coverage, Lost or Damaged Luggage Coverage, Baggage Delay Insurance, Worldwide Automatic Travel Accident Insurance, Purchase Assurance® Coverage and more.
Earn one Club Rewards point for every eligible dollar charged, with no limit to the amount of points you can earn.
Redeem your points for World-class merchandise, Gift & eGift Certificates, Self-Booking Travel Tool, and Tailored Travel Credit. Card-members with 50,000+ points can design their own reward.
Frequent Flyer Miles: Redeem Club Rewards points for miles with numerous frequent flyer programs. Airline partners include Air Canada Aeroplan®, Delta SkyMiles®, British Airways Avios Points, Southwest Airlines Rapid Rewards®, and many more
Frequent Guest Points: Use your points in participating hotel frequent guest programs. You must be enrolled in the frequent guest program in order to redeem your points. Hotel programs included Marriott Rewards Points, Starwood Preferred Guest® Starpoints®, Hilton Honors™ and many more
Additional Info
24/7 Personal Assistant ready to make reservations for dinner, golf, tennis or the spa.
Enjoy Airport Lounge Access, Car Rental Discounts, Club Cash Access and digital payments with your smartphone using Apple Pay®, Android Pay, Samsung Pay and BMO Harris Bank Masterpass.
Travel Benefits: Primary Collision Damage Waiver Coverage, Lost or Damaged Luggage Coverage, Baggage Delay Insurance, Worldwide Automatic Travel Accident Insurance, and RoadAssist Roadside Service.
Purchase Assurance® Coverage, Extended Warranty Coverage and MasterAssist®
Transfer Intro APR→0% for 12 months|Transfer Fee:4% (min $10)
Regular APR→13.49% - 21.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee:4% (min $10)
Regular APR
13.49% - 21.49% (V)
annual fee
$0 intro 1st yr, $79 after
rewards rate
1 - 3 points / $1
Rewards Bonus
35,000 points
Rewards Bonus
35,000 points
minimum credit
Good Credit
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Pros
0% intro APR on balance transfers
High rewards rate
35,000 points initial rewards bonus
No membership fees first year
Cons
Membership fees in the second year
Spending caps on rewards
No intro APR on purchases
Balance transfer fee
Rewards Details
Earn 35,000 bonus points when you spend $5,000 in first 3 months of account opening.
Earn 3 points per $1 spent on dining, hotel and airfare, up to $2,500 in combined spend each calendar quarter; 1 point per $1 spent on all other purchases.
BMO Harris Rewards points don't expire and can be redeemed for travel, name-brand merchandise, gift cards or statement credits.
Receive an anniversary points bonus equal to 15% of your annual eligible purchases.
Priority Pass™ Select is your key to over 850 airport VIP lounges worldwide. As an added benefit, receive 2 complimentary visits to participating lounges.
Additional Info
0% Intro APR for 12 months on Balance Transfers requested within 90 days of account opening.
Concierge Service, featuring 24-hour assistance
Make purchases with your smartphone using Apple Pay®, Google PayTM, Samsung PayTM and BMO Harris Bank Masterpass
Travel Benefits: MasterRental with Collision Damage Waiver, Mastercard Road Assistance, Lost or Damaged Luggage reimbursement and more.
For me, Diners Club was the jewel of the credit / debit card industry. Its reputation, customer service, membership benefits, and rewards program were extremely good and always made me proud of being a Diners Club cardholder. However, the customer service of Diners Club has been, in my opinion, purely and simply destroyed lately, after Diners Club North America has been acquired by BMO Financial Group / BMO Harris Bank N.A. The incompetence, the unprofessionalism, the deceit and the lack of customer care are currently felt across the board, at all levels of the organization, including management, upper management and top executive levels. My relatively recent experience (July 2021 through January 2022) had arisen from the completely unjustified declination of my card payment at a merchant (allegedly because the merchant swiped the card instead of inserting it for chip reading in the machine, which is unbelievable…) and the temporary suspension of my card privileges by Diners Club Fraud Department, as well as from the treatment I then received from two customer service representatives in the Fraud Department when I called the very same day in order to resolve the issue (the representatives hung up on me twice, talked to me in a condescending manner and refused to provide me with their names and IDs). Subsequently, I decided to file and pursue a complaint against the Fraud Department of Diners Club and the respective process has shown me, first hand, the disastrous customer service at Diners Club and its new owners. During my unsuccessful attempts to obtain a resolution to my complaint I have been confronted with complete incompetence at the Diners Club customer service level, with lies and deception at the BMO Harris Bank N.A. Consumer Credit President and Retail & Business Payments Head levels, with total lack of empathy and unprofessionalism at the BMO Harris Bank N.A. Consumer Advocacy & Governance Director level and with absolute indifference at the BMO Harris Bank N.A. CEO level. Purely and simply disgraceful... For me, the new owners are certainly not worthy of the Diners Club name / brand and they have succeeded in staining Diners Club’s reputation forever. After thirty-six years of Diners Club membership I have canceled my account.
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Product: BMO Harris Bank Credit Cards
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Nunya Nunya @Nunyanunya
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1 Star Rating
Customer service in every department that I’ve spoken with at BMO Harris Bank is extremely poor. Can’t remember the first guy’s name I spoke to but I believe he was in customer service for banking…he hung up on me when I asked him for the direct number to the credit card department to check the status of an application. The other two incompetent fools names were Courtney (female) in customer service for credit cards and Ted in sales for credit cards. If it gets approved, I’m closing this card down immediately!
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Nunya Nunya @Nunyanunya
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1 Star Rating
Customer service in every department that I’ve spoken with at BMO Harris Bank is extremely poor. Can’t remember the first guy name I spoke to but I believe I was in customer service for banking…he hung up on me when I asked him for the direct number to the credit card department to check the status of an application. The other two incompetent fools names were Courtney (female) in customer service for credit cards and Ted in sales for credit cards. If it gets approved, I’m closing this card down immediately!
Do not get this card! Their customer service is ridiculous. They are very arrogant. It is extremely difficult to set up your card on AUTOPAY. You'll have more headaches with this card than the rewards are worth.
NO AUTOPAY Their website nor their app offer autopay for their credit card. To set autopay you have to ask for a form to be sent to you via mail to fill and send back to them. I did so but the autopay didn’t and they charged me late fees. I decided to close this card. I’ll also close all my checking, savings and Money Market accounts with them ASAP.
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Product: BMO Harris Bank Credit Cards
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thomas @thomasg_304
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5 Star Rating
Verified Customer
it is a great service and i changed only because i moved to an area not supported by BMO Harris bank. I would highly recommend this card
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Mitchell @csr21021
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5 Star Rating
Verified Customer
Excellent card my only gripe is that they give relatively small credit lines I just hope it grows with the card. Additionally it is somewhat burdensome making payments if you don't have a bmo account
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Terrell Washington @gangstabeatz2018
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5 Star Rating
Verified Customer
Great Card Good Sl cant complain at all application was easy hope this helps also payments post quik if you use your bmo bank account to make payments
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BMO Harris Bank Credit Card FAQ
Get answers to your questions about BMO Harris Bank Credit Cards below. For more general questions, visit our Answers section.
The BMO Harris Bank Cash Back Mastercard®'s rental car insurance only works if you deny the coverage offered by the rental company. You must also use your card to pay for the entire rental to be covered for:
Physical damage or theft of the rental car
Loss-of-use charges
Towing charges to the nearest repair facility
Certain vehicles are not covered, and other limitations and terms apply as well. To find out more or to file a claim, visit the benefit administrator's website or call (800) 627-8372.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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