BMO Platinum Rewards Mastercard®
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.
- Annual Fee
- $0
- points · Welcome Bonus
- 15,000
- Top Rate
- 2X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- BMO Flex Rewards
- Credit Required
- Good
Welcome Offer
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.
Earning Rates
- 2X
Gas Stations
Cap: $1,500/quarterly
- 2X
Grocery Stores
Cap: $1,500/quarterly
Earning Scenarios
2x points on gas, EV charging, and groceries
Earn 2 points per dollar on gas station purchases, EV charging stations, and grocery stores, capped at $1,500 per quarter. Resets quarterly.
1x point on all other purchases
All other purchases earn 1 unlimited point per dollar. Points are worth 1 cent each and never expire.
15% anniversary bonus at $15,000+ annual spend
Spend $15,000+ in net purchases in the 12 months from your account anniversary and earn bonus points equal to 15% of those purchases. On $48,000 of net purchases, that adds 7,200 points.
Benefits & Perks
Insurance & Protections
7 protectionsCell Phone Protection
$400
secondary
Up to $400 in coverage. Automatic coverage, no additional cost.
View conditions
Deductible: 50
Secondary Rental Car Damage Coverage
secondary
Covers damage, theft, and loss of use (up to $500) for rental cars. Secondary to auto insurance.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free 24/7 Roadside Assistance Services
Emergency roadside help including towing, jump-starts, tire changes, and fuel delivery.
Show all 7 protectionsShow fewer protections
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Extended Warranty
Up to 1 additional year on original manufacturer's warranty of 1 year or less.
Reviews & Analysis
The Math: Is $0 Worth It?
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
Payment Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Video Reviews
8 videosBMO Credit Card Review 2025 | Worth It or Leave It?
I Ranked EVERY Credit Card in Canada (2026 Update)
Best BMO Credit Cards In Canada (2026)
Top Canadian Credit Cards Ranked (2025 Tier List)
BMO Credit Card Review 2026 – Worth It or Leave It?
Which BMO Harris Credit Card Is Best for You? | CREDIT S3
BMO Platinum Rewards Credit Card Review - Watch Before you Apply
Third-Party Articles & Reviews
BMO Harris Bank Credit Cards & Rewards Program [2026]
Comprehensive guide to BMO rewards program and credit card lineup with Platinum Rewards earn rates, anniversary bonus, and no annual fee breakdown.
BMO Credit Card Reviews and Q&A
WalletHub user review aggregation for BMO credit cards with ratings and community feedback on the rewards program and card features.
BMO Platinum Rewards Credit Card: Earn More Points
Official BMO landing page for Platinum Rewards Mastercard with earn rates, welcome offer, benefits, and application.
2026 BMO Harris Platinum Rewards Mastercard Reviews
Consumers Advocate analysis and expert reviews of the BMO Platinum Rewards card with ratings and consumer experiences.
BMO Credit Cards Comparison Tool
Official BMO credit card hub with side-by-side comparison of all BMO card offerings including Platinum Rewards features.
Mastercard Guide to Benefits (PDF)
Official Mastercard Guide to Benefits covering insurance protections, travel assistance, and roadside service for BMO cardholders.
BMO Flex Rewards Program Rules (PDF)
Official BMO rules for the Flex Rewards program detailing point earning, expiration, and redemption options.
BMO Harris Bank Credit Card Signup Bonuses
Doctor of Credit coverage of BMO sign-up bonus offers and promotional updates for Platinum Rewards and other BMO credit cards.
Is a BMO Credit Card Right for You?
NerdWallet comparison of BMO credit card options analyzing Platinum Rewards welcome bonus and rewards structure for different cardholders.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| BMO Official | — | BMO Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| BMO Official | BMO Official |