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The BEST Credit Card for Families? - BMO Harris Cash Back Mastercard 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. Overall, the BMO Harris Rewards program isn't terribly exciting. There aren't a whole lot of products offering BMO Harris Rewards points, and. 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.