The BMO Harris Central National Association Visa Platinum Good Credit is a personal credit card from BMO Harris Central National Association Visa Platinum. Application typically pulls a credit report from Experian. The annual fee is $0. Signup bonus: The introductory rewards bonus is based on total net qualified purchases made in the first two months of account opening.. Rewards: BMO Flex Rewards points can be redeemed for travel, credit, and other rewards..