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BMO Platinum Credit Card Review - Watch Before you ApplyIn favor of the Platinum Rewards card, its annual fee is also $0, and it has a good welcome offer: Get 25, bonus points when you spend $2, Overall, the BMO Harris Rewards program isn't terribly exciting. There aren't a whole lot of products offering BMO Harris Rewards points, and. This card has lower than average regular APRs. BMO Harris Bank Platinum Rewards Mastercard� has a variable purchase APR that ranges from % up to %.