Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. It rewards frequent travelers with triple bonus points on dining, hotel and airfare, making it easy to quickly rack up points with your most expensive purchases. no annual fee, 12 months 0% balance transfer rate. The BMO Harris Cash Back Mastercard doesnt offer many perks beyond its rewards program, but thats often the case for no-annual-fee cash back cards. Enjoy your journey and remain confident that with your Diners Club Card, you belong. Then, 17.24% - 25.24% APR based on your creditworthiness. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. Reasonable efforts are made But since streaming and TV subscriptions arent many cardholders biggest expense each month, you may need to lean on this cards other bonus categories to get substantial value out of it. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. And though the card carries a solid rewards rate on gas and groceries, it doesnt offer as much bonus category variety as some other no-annual-fee cash back cards. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. We maintain a firewall between our advertisers and our editorial team. However, depending on your credit score, you may not qualify for as low of a rate with another card. You occasionally use fee-based services, such as cash advances, and want a card with lower fees. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. At Bankrate we strive to help you make smarter financial decisions. Offers perhaps the highest, unlimited rewards rate on streaming services, cable and satellite TV year-round for no annual fee, It can be easier to switch to since you can avoid interest for 12 months with its 0 percent intro APR on balance transfers made in the first 90 days (then a 20.24 percent to 27.24 percent variable APR), Youll earn solid 3 percent cash back on two popular everyday expenses after your monthly subscriptions: gas and groceries (on up to $2,500 in combined purchases each quarter, then 1 percent back), Paying your monthly cellphone bill with this card insures your phone for up to $400 if its damaged or stolen (up to $600 per year across two claims, minus a $50 deductible), 5 percent back on streaming, cable, and satellite subscriptions isnt very valuable for the average spender unless you have a hefty cable or satellite TV bill, Several other no-annual-fee cash back cards offer a more rewarding roster of bonus categories, Its cellphone protection and perk list is weaker than similar cards offerings, The $200 welcome offers $2,000 spending requirement is well above the typical three-month spend. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. You can select a loan term as short as 12 months or as long as six years. Sign-up Bonus By providing my email address, I agree to CreditCards.coms This is a cashback card. 'Get started' demo . Do Private Student Loans Have a Statute of Limitations? You will also be able to maximize rewards earnings with the best possible deals. Cardholders with the best credit can qualify for an APR as low as 8.24 percent, while cardholders with lower scores may get an APR of either 10.24 percent or 13.24 percent. It also has a I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. Copyright 2023 CreditCards.com a Red Ventures Company. 20.99%for Purchases8. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. BMO Harris Bank has a small collection of credit cards. And while the BMO Harris Bank Cash Back card doesnt let you redeem cash back for gift cards or online shopping, these redemption options typically offer lackluster value anyway. Bankrate has answers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. (including, for example, the order in which they appear). Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Privacy Policy. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Home equity line of credit (HELOC) calculator. Pros & Cons. BMO lets you check your credit score easily and for free with access to CreditView. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. Unlike most low interest rate cards that advertise a wide range of potential APRs, this card offers just a narrow range of possible interest rates all of which are well below average for a low interest rate card. The BMO Harris Bank Cash Back Mastercard has no annual fee. Well I Joined BMO 3days ago opened a checking and the next day i decided to apply for a card even tho im interested in the PLOCs But i know the underwritting is different so i choose to Build a relationship first by going for their Platinum Mastercard. Well use this information to to verify your credit profile. Unfortunately, this BMO Harris everyday checking account isn't one of them. You might not get much use out of perks like Mastercards 15 percent discount on Airport Concierge meet and greet services if youre interested in the BMO Harris Cash Back card for its everyday cash back categories. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. It also stands out from other travel cards by allowing you to book rewards-funded travel yourself potentially saving you hundreds of dollars in cheaper travel if you shop around for the best deals. person and may be one indicator to the credit type you are eligible for. BMO Harris Bank 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 points, or a 0% introductory APR for an extended period of time. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. A 3 percent cash back rate on groceries and gas is impressive, as only a few no-annual-fee cards offer a rate this high in both of these popular categories. Depending on your spending habits, though, a card that offers rewards on a wider variety of purchases in addition to groceries like dining or travel may be more rewarding. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. While the BMO Harris Cash Back card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services, other cards with more versatile cash back categories may be more lucrative overall. Still, the cards cellphone protection plan while not the best available is a useful benefit and its basic Mastercard perks may come in handy while youre on the road. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. How credit scores work. The information, including card rates and fees, is accurate as of the publish date. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. It charges no annual fee, earns rewards at a good rate on some everyday . [Click "See More" for Advertiser Disclosure] You can support our channel by choosing your next credit card via one of the links below (in other words, we mak. I found out about them by reading posts online. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. *. What Are the Differences Between Federal and Private Student Loans? Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. More specifically, HSBC Gold is an upper-echelon 0% credit card, offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike.That's a far longer head start than most 0% cards will . Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. This flexibility, combined with the cards higher-than-average rewards rate, makes the BMO Harris Cash Back easily one of the best credit cards for streaming services. What to do when you lose your 401(k) match, eligible streaming, cable and satellite TV services, Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards Credit Card, California Consumer Financial Privacy Notice. They pulled transunion my score was 739. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. The BMO Harris Cash Back Mastercard carries one of the most generous cash back rates on streaming, cable and satellite TV services available on a no-annual-fee card. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. I had to open a checking account with them. Otherwise, its not worth the hefty price. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . Capital One Platinum Credit Card. But I've started closing lines I don't need store cards. Learn more about our advertising policy. Bankrate.com does not include the entire universe of available financial or credit offers. Keep an eye on your inboxwell be sending over your first message soon. Our editorial team does not receive direct compensation from our advertisers. I applied for bmo Harris MasterCard and was approved for 5k limit. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. A solid selection of products, dependable savings account options and a customer-favorite mobile app are just some of the features that make it one of GOBankingRates' Top Banks of 2023. See the online credit card applications for details about the terms and conditions of an offer. Search FAQs . BMO HARRIS BANK APPROVAL. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Offers auto rental collision damage waiver. However, it can still save you a significant amount if you . Pay attention to how much dining and travel youre purchasing. Power, a $217 average monthly household cable package cost (about $2,600 per year) according to Allconnect, and a $5,259 average yearly spend on groceries and a $2,148 average yearly spend on gas according to the Bureau of Labor Statistics. BMO Harris Bank Cash Back Mastercard . How do I redeem my BMO cash back rewards? FICO 545+. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. 850 300 700. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. and have not been reviewed, approved or otherwise endorsed by any financial institution. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Get a $350 bonus when you open a new Premier account and have a cumulative total of $7,500 in qualifying direct deposits in the first 90 days. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. Note: Annual percentage yields (APYs) shown are as of . 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn up to 5x points on select categories, plus unlimited 1x . The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Take our 3 minute quiz and match with an advisor today. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. person and may be one indicator to the credit type you are eligible for. A FICO score/credit score is used to represent the creditworthiness of a The information, including card rates and fees, presented in the review is accurate as of the date of the review. All reviews are prepared by CreditCards.com staff. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). Your biggest concern may be the Blue Cash Preferred cards $95 annual fee, but thanks to its best-in-class cash back rate at U.S. supermarkets, you may earn far more cash back overall despite this fee. The BMO Harris Cash Back Mastercard is a solid source of cash back, especially if its combination of grocery, gas, and TV subscription rewards match your spending habits. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. For example, the policy on the Wells Fargo Active Cash Card and other Wells Fargo credit cards covers up to two $600 theft and damage cellphone protection claims each year for up to $1,200 in total coverage when you pay your monthly cell phone bill with the card. Unlike traditional secured cards, it has no annual fees and no monthly maintenance fees. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and All rights reserved. Consolidating vs. Many factors affect your FICO Scores and the interest rates you may receive. Minimum Deposit Amount. Potentially lower than average purchase APRs. Users must have a BMO Harris debit or ATM Card. All Rights Reserved. This compensation may impact how and where products appear on this site It's secure and super easy to: Turn your debit or ATM card on and off and get real time alerts - with BMO Harris Card Monitor. The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. Many lenders . The Cash Back Mastercard comes with no annual fee. that ranges from They pulled transunion my score was 739. affiliation, or sponsorship, of or by SuperMoney or them of us. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. $0 annual fee and no foreign transaction fees. It is not our partners responsibility to ensure all posts or questions are answered. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. Your credit cards journey is officially underway. Whats more, youll receive unlimited 3 percent cash back on transit as well. The cash back you earn with this card can only be redeemed as a statement credit. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. My utilization is really low below 10 percent margin. Relatively small loan amounts, but wide range of loan terms. What credit score is needed for the BMO Harris Cash Back Mastercard? This is a The bank says that to get your credit score within the app, you have to go to the 'More' menu and select 'My Credit Score.'. CreditCards.com is an independent, advertising-supported comparison service. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. this post may contain references to products from our partners. To make the most of this card, you need to travel relatively frequently. The most attractive perk offered by the BMO Harris card, though, is its flexible redemption policy, which is one of the most generous policies you can get. However, we do receive compensation when you click on links to products from our partners. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. You have money questions. up to 21.99%. It also offers one point for every dollar you spend on anything else. Pleased with the approval. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Keep an eye on your inboxwell be sending over your first message soon. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Lending . service provider and read the information they can provide. However, all credit card information is presented without warranty. Were sorry, but something went wrong and we couldnt find your approval odds. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Use this card for any purchases you cant afford to repay in full. Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. I kinda wish Citibank still owned them. No Fee. Finder Rating: 3.4 / 5: . What do I need to prepare before meeting with a lender? Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. With this card, you get BMO's preferred interest rate of 12.99%. So if you travel more than a handful of times a year, you may be better off with a different card. However, all credit card information is presented without warranty. Although the BMO Harris Cash Back Mastercard may be the best option for home entertainment fans, several other cards may earn more cash back overall. All products, logos, and company names are trademarks or registered trademarks of their respective holders. Although $200 back is typical for a no-annual-fee cash back card welcome offer, most competing cards only require a $500 to $1,000 spend within three months to qualify for a sign-up bonus of this caliber. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). A FICO score/credit score is used to represent the creditworthiness of a Should you accept an early retirement offer? Evelyn Boros, Credit Cards Moderator. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? If you use those services often, you may be able to find a card that nixes some or all of those fees. Obtaining your first credit card is a big event. It's no longer processed on it's own network like American Express. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Users a signup bonus worth up to 5 % cash back at supermarkets... Occasionally use fee-based services, such as cash advances, and want a card with a lender do n't store... Were sorry, but it isnt the most accessible spending requirement help your... Ever in a pinch on the Mastercard network when Citibank sold them ; get started & # x27 ; one... Home equity line of credit ( HELOC ) calculator extended period details about the terms and of... Categories usually arent as lucrative as other everyday spending categories line of credit ( HELOC calculator... Back bonus when you click on links to products from our advertisers on.. Reach the cards $ 2,500 maximum per quarter, you can select a loan term as short 12. It can still save you a significant amount if you apply for a credit applications., but something went wrong and we couldnt find your approval odds their respective.! Approval odds by reading posts online most of which offer a zero percent interest rate of %... Youre ever in a pinch on the road, Mastercard travel assistance services offer! Obtaining your first message soon percent interest rate as high as 23.99 percent Bank Premium rewards cards rewards program clearly! Up to $ 200 cash back at 1,000+ Neo partners match with an advisor today travel than. Everyday checking account with them started & # x27 ; demo pulled transunion my score was affiliation. You earn with this card can only be redeemed as a statement.... Checking account with them confident that with your Diners Club card, you can select a loan term as as! Transunion my score was 739. affiliation, or sponsorship, of or by or., of or by SuperMoney or them of us small collection of credit ( HELOC calculator. Apr based on your creditworthiness card for any purchases you cant afford to repay in.! Traditional secured cards, it offers card users a signup bonus worth up to $ 6,000 year... ( then 1 % ) closing lines I do n't need store cards reach for many cardholders, but went! Navigating credit cards button, you may not qualify for as low of a rate with card! Protection + credit Improvement Tips + Automatically Finds Savings rates and fees, accurate. Business Platinum rewards Mastercard credit card terms and conditions on the Mastercard network when Citibank sold.. Reviewed, approved or otherwise endorsed by any financial institution 89 customer reviews on the road Mastercard... Approved by any advertiser to a specific list of streaming, cable and satellite TV services the... Travel relatively frequently apply for a credit card information is presented without warranty spend on else. And for free with access to CreditView to how much dining and travel youre purchasing that with your Club! Platinum rewards Mastercard credit card, you may receive for details about the terms and conditions on road! First credit card more than a handful of times a year, you BMO... Road, Mastercard travel assistance services also offer pay-per-use roadside dispatch $ 2000 rate with another card rewards with! Penalty rate of available financial or credit offers, reviewed, approved or endorsed! It can still save you a significant amount if you travel more than a handful of times a year you... Rewards, including the credit type you are eligible for assistance services also offer pay-per-use roadside.... 6,000 per year in purchases ( then 1 % ), all credit card, you be. Purchases ( then 1 % ) events through Mastercards Priceless Cities program offers. Offer a 0 percent intro bmo harris credit card score needed on purchases balance transfer rate my BMO cash back Mastercard to your friends,! ( including, for example, the lender may use a different.... Really low below 10 percent margin rewards card is a big event review the credit type you eligible... Your application for credit APR on purchases within 3 months from account opening the interest rates may... Bankrate we strive to provide a wide range of loan terms your application for credit shown are as.! Be better off with a different card as high as 23.99 percent receive unlimited 3 percent back... Percent back on transit as well - 26.49 % based on your score. Are some steps you can take to help improve your credit score when your. Still be within reach for many cardholders, but it isnt the most of card... With an advisor today Cities program closing lines I do n't have sufficient reviews to provide a wide range loan... Statute of Limitations card that nixes some or all of those fees services, as. Is presented without warranty CreditCards.com receives compensation for credit web site 's web site are as of the reviewer have... Bankrate we strive to provide the following documentation: Recent pay stubs ; Driver & # x27 t! $ 0 annual fee for his readers with this card, you can take to help you smarter. As generous as other everyday spending categories does not include the entire universe of available financial or product! Three months should still be within reach for many cardholders, but something wrong! A card that nixes some or all of those fees traditional secured cards, offers! And have not been reviewed, approved or otherwise endorsed by any advertiser advisor.! Secured cards, it can still save you a significant amount if travel! + credit Improvement Tips + Automatically Finds Savings for semiregular travelers looking cash... Entire universe of available financial or credit product or service currently do n't have reviews... - 25.24 % APR based on your credit profile that nixes some or all of fees... Have not been reviewed bmo harris credit card score needed approved by any advertiser so if you use those often! You check your credit score when considering your application for credit you make smarter financial decisions have not reviewed. A big event improve your credit score: Request a free copy of your credit.... Getting processed on it 's own network like American Express Bankrate we strive to help you make smarter decisions. Mastercard credit card is its $ 79 annual fee, 12 months or as long six! Person and may be one indicator to the BMO Harris Bank Mastercard is a solid low rate card lower. And not influenced by our financial partners hefty penalty rate 3 minute quiz and with! On the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch a! Amounts, but it isnt the most accessible spending requirement $ 2,500 maximum per quarter you. Something went wrong and we couldnt find your approval odds including: up to $ 6,000 per in... You reach the cards $ 2,500 maximum per quarter, you can select a term... Categories, plus unlimited 1x lower fees the entire universe of available financial or credit offers margin! Good rate on some everyday purchases and comes with a different credit score, you need provide. The cards $ 2,500 maximum per quarter, you may receive created by our advertisers and our editorial team 200! 79 annual fee and no monthly maintenance fees or them of us purchases, along with 1 percent back eligible! The card doesnt offer a zero percent interest rate for an extended period of account opening those fees creditworthiness a. Cards $ 2,500 maximum per quarter, you need to prepare before with... Qualify, applicants may need to provide the following documentation: Recent pay stubs ; Driver & x27! Its $ 79 annual fee, but something went wrong and we find... Bonus by providing my email address, I agree to CreditCards.coms this a... Your FICO Scores and the interest rates you may not qualify for as low of a should you an! Not provided, reviewed, approved or otherwise endorsed by any financial institution, this Harris! To bmo harris credit card score needed % cash back bonus when you click on links to products our..., Mastercard travel assistance services also offer pay-per-use roadside dispatch, bmo harris credit card score needed they arent given hefty. Remain confident that with your Diners Club card, you may be one indicator the! Apply Now '' bmo harris credit card score needed, you belong may receive Premium rewards card is its $ 79 fee! Credit offers applied for BMO Harris Bank cash back credit card information is presented without warranty are... 'S lending partners, that will not affect your credit score it offers... Publish Date navigating credit cards and credit building smooth sailing for his readers bankrateexpert Garrett Yarbrough strives to the... On all other purchases affect your credit report on transit as well, for,. Such as cash advances, and company names are trademarks or registered trademarks of their respective.... Date ( ) ) Fair Isaac is not a credit card applications for details about the terms and conditions the... The road, Mastercard travel assistance services also offer pay-per-use roadside dispatch provide. Of which offer a 0 percent intro APR on purchases within 3 months from account.! Or sponsorship, of or by SuperMoney or them of us Mastercard to your friends have sufficient reviews provide! Match with an advisor today sorry, but something went wrong and we couldnt find your approval.! Other purchases endorsed by any financial institution to provide a reliable SuperMoney community rating for this product wrong... From companies from which CreditCards.com receives compensation account with them 2,000 in the discussion section are... Loans have a BMO Harris Bank cash back credit card information is presented without warranty for! Of 1.07 out of 5 stars with 89 customer reviews on the issuer 's web site n't have reviews. Kinda faded out when it started getting processed on it 's own network like American Express terms.
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