With the BMO Platinum Rewards Card, you can earn 2 points per $1 on purchases like gas and groceries, making it perfect for everyday spenders.
This card also provides a 0% intro APR on balance transfers for the first 12 months, giving you ample time to manage outstanding balances.
If you’re looking for a card with great rewards and financial tools, visit the official site to apply for the BMO Platinum Rewards Card.
Everything You Need to Know About the BMO Platinum Rewards Card
The BMO Platinum Rewards Card is designed for everyday spending, offering points on gas, groceries, and more—without an annual fee. It’s a smart choice for anyone looking to earn rewards on essential purchases.
You’ll earn 2 points per $1 on eligible gas and grocery purchases each quarter, plus 1 point per $1 on everything else. Added perks like cell phone protection and extended warranties make it even more valuable.
Keep reading to see how the rewards work, explore the card’s benefits, and learn exactly how to apply for the BMO Platinum Rewards Card today. It might be the financial upgrade you’ve been looking for!
Main details of the card
No Annual Fee
The BMO Platinum Rewards Card charges no annual fee, making it a cost-effective choice for everyday spending without worrying about extra charges.
Competitive Rewards on Gas and Groceries
Earn 2 points per $1 spent on eligible gas and grocery purchases, helping you stack up rewards faster on your most frequent expenses.
Anniversary Bonus Points
Get rewarded for your loyalty with an annual 10% bonus on points earned—rising to 15% if you spend $15,000 a year starting April 2025.
0% Intro APR on Balance Transfers
Take advantage of a 0% introductory APR on balance transfers for the first 12 months, giving you breathing room to pay off higher-interest debts.
Cell Phone Protection
Stay covered with up to $400 in cell phone protection, automatically included when you pay your wireless bill with your BMO card.
Mastercard Zero Liability Protection
Shop confidently with Mastercard Zero Liability, meaning you’re not responsible for unauthorized purchases if your card gets compromised.
How the BMO Platinum Rewards Card Works?
The BMO Platinum Rewards Card earns you 2 points per $1 on gas and groceries, up to $2,500 per quarter. All other purchases earn 1 point per $1 spent.
Your points can be redeemed for travel, merchandise, gift cards, or cash back through the BMO Rewards program. With no expiration as long as your account is in good standing, your rewards grow steadily over time.
Added perks like cell phone protection and extended warranty coverage boost the card’s overall value. Plus, Mastercard Zero Liability keeps your purchases protected at no extra cost.
BMO Platinum Rewards Card Annual Points Potential
Understanding how much you can earn with the BMO Platinum Rewards Card helps visualize the real value of using it for your daily expenses:
| Spending Category | Annual Spend | Points Earned | Estimated Travel Value |
| Gas | $5,000 | 10,000 | $100 |
| Groceries | $6,000 | 12,000 | $120 |
| Other Purchases | $8,000 | 8,000 | $80 |
| Total | $19,000 | 30,000 | $300 |
Disclaimer: This is an example projection. Actual rewards may vary based on spending habits and program terms.
How to Apply for the BMO Platinum Rewards Card?
Follow the steps below to apply for the BMO Platinum Rewards Card directly through the official website and start earning rewards on your everyday purchases:
- Visit the Official BMO Website: Access the BMO Platinum Rewards Credit Card page to start your application securely.
- Select “Apply Now” Option: Look for the Apply Now button on the page to begin your online application.
- Provide Personal Information: Complete the form with your full name, address, Social Security Number, and employment details.
- Review Terms and Conditions: Carefully review the card’s rates, fees, and program terms before submitting.
- Submit Your Application: Finalize by submitting your completed application for review and processing.
Who Is the BMO Platinum Rewards Card Best Suited For?
The BMO Platinum Rewards Card is designed for individuals who seek to maximize rewards on everyday spending without incurring an annual fee. This card is particularly beneficial for:
- Frequent Drivers: Earn 2 points per $1 on gas purchases, up to $2,500 per quarter.
- Grocery Shoppers: Get 2 points per $1 on grocery spending within the same quarterly cap.
- Balance Transfer Seekers: Benefit from 0% intro APR on balance transfers for 12 months.
- Security-Focused Users: Enjoy Zero Liability and ID Theft Protection™ for added safety.
To be eligible, applicants should have a good to excellent credit score, typically in the range of 670 or higher. This ensures a higher likelihood of approval and access to the card’s competitive benefits.
Is the BMO Platinum Rewards Card Worth It?
The BMO Platinum Rewards Card is a solid choice for those who spend consistently on gas and groceries. Its rewards structure helps turn everyday purchases into valuable points.
The 0% introductory APR on balance transfers adds extra value for anyone looking to manage existing credit card debt. This benefit creates flexibility without immediate interest charges.
With no annual fee and added perks like cell phone protection, the card delivers strong value. It fits well for users focused on rewards and essential security features.
Answers to the Most Common Questions About BMO Platinum Rewards Card
The BMO Platinum Rewards Card is a credit card offering rewards on everyday purchases like gas and groceries. It features no annual fee and provides benefits such as a 0% intro APR on balance transfers for 12 months.
You earn 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 per quarter. All other purchases earn 1 point per $1. Rewards can be redeemed for travel, merchandise, or cash back.
No, your BMO Flex Rewards points do not expire as long as your account remains open and in good standing. You can redeem them at any time for various rewards. Make sure to keep your account in good shape to retain your points.
The card offers 0% introductory APR on balance transfers for the first 12 months, if transfers are made within 90 days of opening your account. After this period, a standard variable APR will apply, depending on your credit.