THE CARDTUNED DATABASE
BMO Platinum Rewards Credit Card
Issuer: BMO · Network: Mastercard
2 points/$1 on gas, EV charging and groceries on first $1,500 combined each quarter, then 1 point/$1; 1 point/$1 elsewhere
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% qualifying balance transfers for 12 months; transfers within 90 days; 5% fee, minimum $10
- Regular APR
- 19.49%–27.49% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
15,000 points after $1,500 in eligible purchases within 3 months
- Spending requirement
- $1,500
- Time window
- 3 months
- Published end date
- No public end date
Offer last checked: 2026-10-01
0% qualifying balance-transfer APR for 12 months; then 19.49%–27.49% variable
- Spending requirement
- Transfers within 90 days
- Time window
- 12 months
- Published end date
- No public end date
Offer last checked: 2026-10-01
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Groceries & Gas & EV charging | 2 points/$1 | on gas, EV charging and groceries on first $1,500 combined each quarter, then 1 point/$1 |
| Eligible purchases | 1 point/$1 | elsewhere |
Restrictions to know
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. Gas, EV charging and grocery purchases share a $1,500 quarterly cap.
Who can apply
U.S. applicant of legal age; subject to identity, income and issuer credit approval.
Credit profile: Not Public / issuer underwriting applies