The BMO Platinum Rewards Credit Card gives you 2% back on gas and groceries with no annual fee.
Want to see how to apply? Check the full step-by-step and find out if this card is right for you.
Simple, fast, and 100% online
The BMO Platinum Rewards Credit Card gives you real points for spending on gas, groceries, and more. It’s simple to use and helps you earn just by making everyday purchases.
You don’t need to do anything complicated—just swipe, earn, and enjoy the rewards that come with having this card in your wallet.
Simple, fast, and 100% online
The BMO Platinum Rewards Credit Card gives you real points for spending on gas, groceries, and more. It’s simple to use and helps you earn just by making everyday purchases.
You don’t need to do anything complicated—just swipe, earn, and enjoy the rewards that come with having this card in your wallet.
Now check out the main benefits below to see why this card is a strong option for anyone looking to save and earn at the same time.
No annual fee to pay ever
Earn 2% in points on gas and grocery purchases up to $2,500 per quarter
Earn 1% in points on all other eligible purchases
Receive a 10% anniversary bonus on your yearly points
Learn More About the BMO Platinum Rewards Credit Card
Looking for a credit card that rewards your everyday spending? The BMO Platinum Rewards Credit Card might be exactly what you need. It’s built for individuals who want to earn points on their routine purchases—without paying an annual fee.
Whether you’re fueling up, buying groceries, or shopping online, this card offers flexible rewards. Plus, there are added benefits like anniversary bonus points and advanced security protections that set it apart.
It’s more than just a rewards card—it’s a financial tool that helps you earn as you spend. Let’s take a closer look at how this card works and why it might be the right fit for you.
How the BMO Platinum Rewards Credit Card Works?
The rewards structure is simple. You’ll earn 2 points per $1 on eligible gas and grocery purchases, up to $2,500 per quarter. After that, you’ll earn 1 point per $1.
Starting April 1, 2025, the 2x reward rate will apply to the first $1,500 per quarter on gas, EV charging, and groceries. Beyond that, the rate drops to 1 point per $1.
For all other eligible purchases, you’ll earn a standard 1 point per $1. There are no categories to activate—just swipe and earn.
4 Reasons to Consider the BMO Platinum Rewards Credit Card
1. No Annual Fee
Enjoy all the rewards and benefits without paying a yearly fee. That means more value stays in your wallet year-round.
2. Boosted Rewards Where You Spend Most
Earn 2x points on gas and groceries—two of the most common household expenses—up to a quarterly limit.
3. Anniversary Bonus Points
Every year, you’ll earn a 10% bonus on your points. And starting in 2025, that bonus grows to 15% if you spend $15,000 in a year.
4. Introductory 0% APR on Balance Transfers
Transfer your high-interest balances and enjoy 0% APR for 12 months if completed within 90 days of account opening.
Extra Benefits Worth Noting
🔒 Security and Protection
Stay protected with Mastercard Zero Liability, ID Theft Protection, and Identity Check technology for secure transactions.
📱 Digital Wallet Compatibility
You can link your card with Apple Pay®, Google Pay™, and Samsung Pay™ to make contactless payments even easier.
🚘 Cell Phone Protection and Roadside Assistance
Cardholders get up to $400 in phone protection and Master RoadAssist® services to help with jump-starts, towing, and more.
🛍️ Extended Warranty
When you use your card for eligible purchases, it doubles the original manufacturer’s warranty up to 12 extra months.
How to Apply for the BMO Platinum Rewards Credit Card?
On the next page, you’ll see exactly how to apply for the BMO Platinum Rewards Credit Card in a quick and simple way. It’s where you’ll find out if this card makes sense for your day-to-day.
📌 Access the button below to continue and check the full step-by-step guide to request your card with confidence.