The BMO Platinum is a personal credit card from BMO Platinum. Application typically pulls a credit report from Experian. The annual fee is $0.. The ongoing APR is 16.49% - 26.49% after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: None; the focus is purely on rate savings.. This product reports activity to your personal credit report. Excellent for financing purchases or consolidating debt across both categories—with a significant 15-month 0% runway. BMO Cash Back Credit Card. BT Fee: Typically 4% of transfer amount (or specified minimum) as per disclosed terms.. Post-intro APR: 17.24% – 25.24% variable, based on creditworthiness.