How to Apply for BMO Harris Credit card application? [Get Rewards]

BMO Harris credit cards are offered based on and cover different types of market needs. Like some people need a no annual fee credit card, so they have one for this population. They also have a cashback credit card and that way you can always have cash returned to your account after every purchase.

All four credit cards come up with a different purpose.

BMO Harris Bank Platinum Rewards MastercardBMO Harris Bank Cash Back MastercardBMO Harris Bank Premium Rewards MastercardBMO Harris Bank Platinum Mastercard
No annual fee for taking this MasterCardCashback option availableIt gives you a top travel optionHelps save on balance and purchase transfer

Here’s a bit about the credit card fees you might want to know about before applying for them;

Notable Credit Card FeaturesBMO Harris Bank Platinum Rewards Mastercard
Annual Fees$0
Purchase APR14.24% – 22.24% variable
Balance Transfer APR0% introductory offer & post 12 billing cycles, APR stands at 14.24% – 22.24%
Minimum credit limitBased on a person’s creditworthiness
Foreign transaction feeNA

How to apply for BMO Harris Credit card?

  • Scroll down to click on the new customer continue tab.
Harris credit card
  • You will need to sign up with them to create a new account.
  • After completing the signup, you will have to fill in your personal information, business, financial and income-related information.
  • You must also fill in the identifying information like your SSN or ITIN.
  • Post completing the application process, submit it by clicking on the Submit application tab.

Who is eligible?

To be eligible for the BMO Harris credit card, you must fulfill the below criteria.

  1. You should be a valid US resident or a US citizen.
  2. One should be 18 years and above if they want to take the BMO Harris credit card.
  3. A valid SSN is also required.
  4. You must have a valid income source and a proper job.
  5. Your address must be a permanent address and not just a P.O Box number.

BMO Harris credit card Rewards

With the BMO Harris credit card rewards, you can benefit in the following ways.

  1. There are priceless cities across the world where you can have different experiences.
  2. Use your smartphone and pay using Apple or Google Pay services.
  3. You have a BMO credit card monitor for staying atop your credit card account.
  4. There will be theft protection, zero liability, and identity check facilities.
  5. With the credit card, you have cellular wireless telephonic protections.
  6. They serve extended warranty and help with gas, tire change charges and also jump starters.


  • There is a 10% anniversary bonus even on BMO Harris credit cards.
  • Balance transfer has zero introductory APR if the transfer is completed within three months of opening an account for a year.
  • You get 25000 bonus points and rewards equalling $250.


  • One needs to have a good credit score to qualify.
  • Bonus rewards are restricted to gas and grocery segments only.
  • Each point is one cent worth and that is not a notable value.


BMO Harris credit card application process differs based on the card. As there are four different types of credit cards given by BMO Harris meeting different business requirements, thus even their application process differs from one to another. Read more about the general information you need about the BMO Harris credit cards before you choose the right one for yourself.


  • My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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