It earns 3 points per $1 spent on dining, hotel stays and airfare, up to $2,500 in combined category spending per quarter. All other purchases earn 1 unlimited point per $1 spent.
| Positive points | Negative points |
|---|---|
| Lost or damaged baggage insurance | It has an Annual Rate |
| 24/7 concierge service | No point transfer option |
Like other popular general-purpose travel cards, BMO Harris Bank Premium Rewards Mastercard points can be redeemed for a variety of travel, merchandise, and cash-like items.
A solid sign-up bonus and useful airport lounge benefits further sweeten the deal. However, this card also has some notable drawbacks, so it's worth taking a careful look at its pros and cons before applying.
| Benefits | |
|---|---|
|
Coverage
|
Complimentary loss and damage coverage on rental cars |
|
Protection
|
Price Protection |
|
Guarantees
|
Extended warranties up to 24 months |
|
Upgrades
|
Complimentary hotel and flight upgrades, when available |
Birthday Point Bonus
Every year on their card anniversaries, cardholders in good standing receive a 15% bonus on the previous year's earnings. For example, if you earned 20,000 points last year, you would end the year with 23,000 points in the bank. Click the button below and apply for your card.
I Want My CardAirport Lounge Benefit
This card comes with free Priority Pass Select membership and 2 free passes to any of the 850+ Priority Pass lounges worldwide. After using the free passes, Priority Pass Select entitles you to unlimited lounge access at a cost of $27 per visit. The fee is automatically charged to your BMO Harris Bank Premium Rewards Mastercard, which you can present at the entrance.
Introductory APR
This card comes with a 12-month balance transfer promotion and 0% APR, as well as a 6-month purchase promotion and 0% APR. Click the button below and apply for your card.
I Want My Card
