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Earn 2x points on gas and groceries with zero annual fee
BMO Platinum Rewards gives you zero annual fee plus 2x points on gas and groceries (up to $1,500/quarter). Earn 15,000 bonus points with $1,500 spending, and unlock a 15% anniversary bonus at $15,000+ annual spend. Flexible redemption into cash, travel, or merchandise.
$0
Annual Fee
15,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
BMO Flex Rewards
Credit Required
Good
15,000
points
$1,500
Spend Required
3 months
Time Period
New cardholders earn 15,000 bonus points when they charge $1,500 in purchases within the first 3 months of account opening. Redeem into cash back, travel, or merchandise.
Benefits & Perks
Combined Protection Value
$500
Up to $400 in coverage. Automatic coverage, no additional cost.
Deductible: 50
Emergency roadside help including towing, jump-starts, tire changes, and fuel delivery.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
Earn 2x points on gas and groceries with zero annual fee
BMO Platinum Rewards gives you zero annual fee plus 2x points on gas and groceries (up to $1,500/quarter). Earn 15,000 bonus points with $1,500 spending, and unlock a 15% anniversary bonus at $15,000+ annual spend. Flexible redemption into cash, travel, or merchandise.
$0
Annual Fee
15,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
BMO Flex Rewards
Credit Required
Good
15,000
points
$1,500
Spend Required
3 months
Time Period
New cardholders earn 15,000 bonus points when they charge $1,500 in purchases within the first 3 months of account opening. Redeem into cash back, travel, or merchandise.
Benefits & Perks
Combined Protection Value
$500
Up to $400 in coverage. Automatic coverage, no additional cost.
Deductible: 50
Emergency roadside help including towing, jump-starts, tire changes, and fuel delivery.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
Earn 2x points on gas and groceries with zero annual fee
BMO Platinum Rewards gives you zero annual fee plus 2x points on gas and groceries (up to $1,500/quarter). Earn 15,000 bonus points with $1,500 spending, and unlock a 15% anniversary bonus at $15,000+ annual spend. Flexible redemption into cash, travel, or merchandise.
$0
Annual Fee
15,000
points · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
BMO Flex Rewards
Credit Required
Good
15,000
points
$1,500
Spend Required
3 months
Time Period
New cardholders earn 15,000 bonus points when they charge $1,500 in purchases within the first 3 months of account opening. Redeem into cash back, travel, or merchandise.
Benefits & Perks
Combined Protection Value
$500
Up to $400 in coverage. Automatic coverage, no additional cost.
Deductible: 50
Emergency roadside help including towing, jump-starts, tire changes, and fuel delivery.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
Covers damage, theft, and loss of use (up to $500) for rental cars. Secondary to auto insurance.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Up to 1 additional year on original manufacturer's warranty of 1 year or less.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Comprehensive guide to BMO rewards program and credit card lineup with Platinum Rewards earn rates, anniversary bonus, and no annual fee breakdown.
NerdWallet comparison of BMO credit card options analyzing Platinum Rewards welcome bonus and rewards structure for different cardholders.
WalletHub user review aggregation for BMO credit cards with ratings and community feedback on the rewards program and card features.
Doctor of Credit coverage of BMO sign-up bonus offers and promotional updates for Platinum Rewards and other BMO credit cards.
Official BMO landing page for Platinum Rewards Mastercard with earn rates, welcome offer, benefits, and application.
Official Mastercard Guide to Benefits covering insurance protections, travel assistance, and roadside service for BMO cardholders.
Official BMO rules for the Flex Rewards program detailing point earning, expiration, and redemption options.
Consumers Advocate analysis and expert reviews of the BMO Platinum Rewards card with ratings and consumer experiences.
Official BMO credit card hub with side-by-side comparison of all BMO card offerings including Platinum Rewards features.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Covers damage, theft, and loss of use (up to $500) for rental cars. Secondary to auto insurance.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Up to 1 additional year on original manufacturer's warranty of 1 year or less.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Comprehensive guide to BMO rewards program and credit card lineup with Platinum Rewards earn rates, anniversary bonus, and no annual fee breakdown.
NerdWallet comparison of BMO credit card options analyzing Platinum Rewards welcome bonus and rewards structure for different cardholders.
WalletHub user review aggregation for BMO credit cards with ratings and community feedback on the rewards program and card features.
Doctor of Credit coverage of BMO sign-up bonus offers and promotional updates for Platinum Rewards and other BMO credit cards.
Official BMO landing page for Platinum Rewards Mastercard with earn rates, welcome offer, benefits, and application.
Official Mastercard Guide to Benefits covering insurance protections, travel assistance, and roadside service for BMO cardholders.
Official BMO rules for the Flex Rewards program detailing point earning, expiration, and redemption options.
Consumers Advocate analysis and expert reviews of the BMO Platinum Rewards card with ratings and consumer experiences.
Official BMO credit card hub with side-by-side comparison of all BMO card offerings including Platinum Rewards features.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Covers damage, theft, and loss of use (up to $500) for rental cars. Secondary to auto insurance.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Up to 1 additional year on original manufacturer's warranty of 1 year or less.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Comprehensive guide to BMO rewards program and credit card lineup with Platinum Rewards earn rates, anniversary bonus, and no annual fee breakdown.
NerdWallet comparison of BMO credit card options analyzing Platinum Rewards welcome bonus and rewards structure for different cardholders.
WalletHub user review aggregation for BMO credit cards with ratings and community feedback on the rewards program and card features.
Doctor of Credit coverage of BMO sign-up bonus offers and promotional updates for Platinum Rewards and other BMO credit cards.
Official BMO landing page for Platinum Rewards Mastercard with earn rates, welcome offer, benefits, and application.
Official Mastercard Guide to Benefits covering insurance protections, travel assistance, and roadside service for BMO cardholders.
Official BMO rules for the Flex Rewards program detailing point earning, expiration, and redemption options.
Consumers Advocate analysis and expert reviews of the BMO Platinum Rewards card with ratings and consumer experiences.
Official BMO credit card hub with side-by-side comparison of all BMO card offerings including Platinum Rewards features.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
