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✓ Annual fee checked
BMO (Bank of Montreal US / BMO Harris) · Mastercard

BMO Platinum Credit Card

No Annual Fee

The BMO Platinum Credit Card is a Mastercard from BMO (Bank of Montreal US / BMO Harris) with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked bmo.com
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on BMO (Bank of Montreal US / BMO Harris)Compare this card
Opens BMO (Bank of Montreal US / BMO Harris)’s site

Bank with branches in: California (223), Illinois (170), Wisconsin (139), Colorado (68), Arizona (59), Indiana (46), Minnesota (35), Nebraska (28) and 14 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the BMO Platinum Credit Card, exactly as recorded.

Annual fee
$0Checked bmo.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the BMO Platinum Credit Card. That may mean there isn’t one, or simply that we have not recorded it — BMO (Bank of Montreal US / BMO Harris)’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the BMO Platinum Credit Card. Rather than print a multiplier we cannot source, this stays blank until BMO (Bank of Montreal US / BMO Harris)’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • Cell Phone Protection up to $400
  • Extended Warranty (up to additional 12 months)
  • Master RoadAssist Roadside Service
  • BMO PaySmart Installment Plans
  • Mastercard ID Theft Protection Identity Monitoring
  • Mastercard ID Theft Protection Resolution Services
  • Mastercard Zero Liability
  • Priceless Cities access
  • Apple Pay, Google Pay, Samsung Pay compatibility
Next step

Ready to apply for the BMO Platinum Credit Card?

You'll finish the application on BMO (Bank of Montreal US / BMO Harris)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens BMO (Bank of Montreal US / BMO Harris)’s site
Questions

Questions about the BMO Platinum Credit Card

How much is the BMO Platinum Credit Card annual fee?

The BMO Platinum Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the BMO Platinum Credit Card earn?

BMO (Bank of Montreal US / BMO Harris) does not publish category earn rates for the BMO Platinum Credit Card where we checked (October 2026), so we do not print a multiplier.

What network is the BMO Platinum Credit Card on?

The BMO Platinum Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the BMO Platinum Credit Card available in United States?

Yes — the BMO Platinum Credit Card is issued by BMO (Bank of Montreal US / BMO Harris) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the BMO Platinum Credit Card figures last checked?

We checked its annual fee in October 2026, against a published document. Not published by BMO (Bank of Montreal US / BMO Harris) where we checked: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee and purchase APR. Check them with BMO (Bank of Montreal US / BMO Harris). Terms can change without notice, so confirm the current details with BMO (Bank of Montreal US / BMO Harris) before you apply.