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5 Star Rating
Verified CustomerGreat card. Good Limit. Highly recommend for the experienced consumer. Lots of great perks and offers, Don’t miss out. Excepted all over the world.
Product: BMO Harris Bank Credit Cards
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Compare BMO Harris Bank Credit Cards
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.
BMO Harris Bank Credit Card Offers in October 2022
- Cash Back: BMO Harris Bank Cash Back Mastercard®
- 0% Intro APR: BMO Harris Bank Platinum Mastercard®
- Good Credit: BMO Harris Bank Premium Rewards Mastercard®
Updating Results
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR14.65% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.65% (V)
annual fee
$300
rewards rate
1 - 3 points / $1
minimum credit
Excellent Credit
Pros
- High rewards rate
- Bonus rewards categories
- No foreign fee
Cons
- High membership fees
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- 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.
- More Details & Reviews About Diners Club Elite Credit Card
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR14.65% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.65% (V)
annual fee
$95
rewards rate
1 point / $1
minimum credit
Excellent Credit
Pros
- No foreign fee
Cons
- Membership fees
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- 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®
- More Details & Reviews About Diners Club Card Premier Credit Card
Purchase Intro APR0% for 15 months
Transfer Intro APR0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR14.49% - 22.49% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR
14.49% - 22.49% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
Additional Info
- 0% Intro APR for 15 months on Balance Transfers requested within 90 days of account opening.
- Make purchases with your smartphone using Apple Pay®, Google Pay, Samsung Pay and BMO Harris Bank Masterpass
- MasterRental with Collision Damage Waiver
- Master RoadAssist® Roadside Service
- Extended Warranty registers your product warranties and provides extended protection on purchases
- More Details & Reviews About BMO Harris Bank Platinum Mastercard®
Purchase Intro APRNot Offered
Transfer Intro APR0% for 12 months|Transfer Fee: 4% (min $10)
Regular APR15.49% - 23.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee: 4% (min $10)
Regular APR
15.49% - 23.49% (V)
annual fee
$0 intro 1st yr, $79 after
rewards rate
1 - 3 points / $1
Bonus Offer
35,000 points
Bonus Offer
35,000 points
minimum credit
Good Credit
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 Pay™, Samsung Pay™ and BMO Harris Bank Masterpass.
- Travel Benefits: MasterRental with Collision Damage Waiver, Mastercard Road Assistance, Lost or Damaged Luggage reimbursement and more.
- More Details & Reviews About BMO Harris Bank Premium Rewards Mastercard®
Purchase Intro APRNot Offered
Transfer Intro APR0% (V) for 12 months|Transfer Fee: 4% (min $10)
Regular APR16.49% - 24.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% (V) for 12 months|Transfer Fee: 4% (min $10)
Regular APR
16.49% - 24.49% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% (V) intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
Cons
- Spending caps on rewards
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
Rewards Details
- Get a $200 cash back bonus when you spend $2,000 in the first 3 months of account opening.
- Earn 5% cash back on eligible streaming, cable TV and satellite services.
- Earn 3% cash back on gas and grocery purchases, up to $2,500 in combined spend per calendar quarter.
- Earn 1% cash back on all other purchases.
- Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
Additional Info
- 0% Intro APR for 12 months on Balance Transfers requested within 90 days of account opening.
- Added Benefits like Priceless® Cities & Apple Pay®, Google Pay™ and Samsung Pay™
- Security Features: Mastercard ID Theft Protection™ Identity Monitoring & Resolution Services, Zero Liability and Identity Check™
- Insurance and warranties: Master RoadAssist® Roadside Service, MasterRental and Extended Warranty.
- Get $400 cell phone protection coverage when you charge your monthly wireless telephone bill to your card.
- More Details & Reviews About BMO Harris Bank Cash Back Mastercard®
Featured Credit Cards
Ad DisclosurePurchase Intro APR0% for 15 months from account opening
Transfer Intro APR0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR17.99% - 27.99% Variable
Purchase Intro APR
0% for 15 months from account opening
Transfer Intro APR
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
17.99% - 27.99% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good Credit
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.99% - 26.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.99% - 26.99% (V)
annual fee
$95
rewards rate
1 - 5% Cash Back
Bonus Offer
$300
Bonus Offer
$300
minimum credit
Good Credit
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.24% - 25.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.24% - 25.24% (V)
annual fee
$95
rewards rate
1 - 5 points / $1
Bonus Offer
60,000 points
Bonus Offer
60,000 points
minimum credit
Good Credit
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BMO Harris Bank Credit Card Reviews
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1 Star Rating
Verified CustomerGot a mail offer to get their credit card applying on line and when we tried,
several times, we were unsuccesful doing so. Were not even able to sign in into their website. That is certainly not the way to attract customers to become customers.
several times, we were unsuccesful doing so. Were not even able to sign in into their website. That is certainly not the way to attract customers to become customers.
Product: BMO Harris Bank Credit Cards
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1 Star Rating
Verified CustomerI’ve been a long time card holder of diners club, always on time always a very good customer. I miss one payment because I’m laid out in bed with COVID and they don’t care. I called someone to make an inquiry on how to fix it and they cared even less. It’s a shame I always really liked the bank but since they’ve been bought by BMO it’s all business no customer service. They hire the cheapest, poorest speaking operators for their call center and it reflects on the bank name. I would not recommend anyone to get this card with such poor customer service to such great customers as myself.
Product: BMO Harris Bank Credit Cards
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1 Star Rating
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.
Product: BMO Harris Bank Credit Cards
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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!
Product: BMO Harris Bank Credit Cards
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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!
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4 Star Rating
Lovely, keep sending good updates and better information to help improve more score. Thank you WalletHub I will keep the score up and steady.
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5 Star Rating
Verified CustomerVery good card only issue is that it does not allow for automatic CLI or credit limit increases and I have other cards with higher limits!
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1 Star Rating
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.
Product: BMO Harris Bank Platinum Mastercard®
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1 Star Rating
Verified CustomerNO 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.
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.
Product: BMO Harris Bank Credit Cards
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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.
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How does the BMO Harris Cash Back card's rental car insurance work?
2
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Evelyn Boros
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.
How can I get a copy of my credit card bill for April 14, 2015?
3
UpvotesReply
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How do you buy discounted gift cards? I did not see any instructions.
10
UpvotesReply
Can I use the walmart gift cards for online purchases?
6
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WalletHub
Yes, you can use Walmart gift cards at walmart.com and samsclub.com.
Does bmo Harris bank have any credit cards for fair credit?
0
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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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