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BMO Harris Cashback Mastercard Credit Card ReviewGet a 0% APR introductory rate for the first 15 months from account opening date and no annual fee with the BMO Platinum credit card. BMO credit cards are a good option for people with good-to-excellent credit scores who want annual fees as low as $0, rewards in the form of cash back or. Bottom Line. This is a solid intro APR option, but it doesn't quite stack up to our top picks. It lacks rewards, and the intro APR period could.