At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. The BMO Harris Bank Mastercard could be just what you need to control your debt and minimize how much you pay toward your credit card balance. purchase APR they are a canadian bank like TD Bank. 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. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. 13.99% On the left-hand side, there is an option that says "My Credit Score". BMO Harris Bank reviews and complaints. BMO Harris Bank Cash Back Mastercard . Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? Copyright 2023 CreditCards.com a Red Ventures Company. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . What Are Collateral-Free Unsecured Business Loans? No PG. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. While we adhere to strict no annual fee, 12 months 0% balance transfer rate. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. By paying your monthly cellphone bill with your card, you can get reimbursed up to $400 if your phone is damaged or stolen (subject to a $50 deductible). Use this card for any purchases you cant afford to repay in full. 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. Well use this information to to verify your credit profile. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Evelyn Boros, Credit Cards Moderator. Unfortunately, this BMO Harris everyday checking account isn't one of them. Here's an explanation for how we make money Savings vs. Money Market? 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. Lending . Capital One Platinum Credit Card. How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. Transfer Fee$10 or 3% (whichever is higher), Other Notable Features: No foreign-transaction fee, concierge services, two complimentary airport lounge visits, VIP event access, travel assistance, car rental insurance, hotel burglary insurance, lost/damaged luggage insurance, baggage delay insurance, roadside assistance, purchase protection, extended warranty. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. 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. Thank you. this post may contain references to products from our partners. It also charges a hefty $79 annual fee after the cards first year. Special Offer. If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. (21.99% for Quebec residents)8. learn more. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. The offers that appear on this site are from companies from which CreditCards.com receives compensation. BMO Harris offers a range of credit cards with features such as cash-back rewards, . that ranges from It doesnt offer many additional perks, though. represent all financial services companies or products. However, it can still save you a significant amount if you . $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Many cash back cards only let you redeem cash back as a credit on credit card statement, so being able to direct deposit rewards to other accounts is a welcome option. It also offers one point for every dollar you spend on anything else. Youre already a BMO Harris Bank customer and want a card with the same bank. Heres a breakdown of how much cash back we estimate the average spender* can expect to earn each year in this cards bonus categories: As you can see, unless you spend heavily on streaming services, you may only earn enough cash back via this category to cover a few months of one subscription. A BMO Harris investment account. 4.6. This compensation may impact how and where products appear on this site The BMO Harris Cash Back offers one of the best year-round rewards rates on streaming, cable and satellite TV subscriptions and a solid rate on both groceries and gas, so it could be a good fit if youre looking for a simple no-annual fee rewards card. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Copyright 2023 CreditCards.com a Red Ventures Company. Points, protection and service at home and abroad. BMO Harris Bank has a small collection of credit cards. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Unlike most travel cards that require cardholders to go through the bank to redeem points for travel, the BMO Harris Bank Premium Rewards card lets you shop around and book travel yourself. BMO Harris Business Platinum Rewards Mastercard. Potentially lower than average purchase APRs. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. Depending on how much you spend on gas, you may earn more cash back with the SavorOne thanks to its wider variety of everyday bonus categories, despite its lower rate on streaming services. What Are Different Types of Credit Cards? FICO 545+. Student. 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. Why get the BMO Harris Bank Premium Rewards Mastercard? variable Be prepared to answer a few questions: Is your credit in good . For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the cards moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Every reasonable effort has been made to maintain accurate information. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. $25 per month. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. Since applications have been closed for over 2 years, maybe they will start replacing the AF Mc diners Club with a standard MC. one can hope because I'll be closing my DC/MC the next time a AF is due. Then, 17.24% - 25.24% APR based on your creditworthiness. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Learn about the options that allow you to earn points and rewards in this guide! Highlights. Otherwise, its not worth the hefty price. Check the data at the top of this page and the bank's website for the most current information. All products or services are presented without warranty. 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. Fill in the application form. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Learn more about our advertising policy. All reviews are prepared by CreditCards.com staff. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Increase non-taxable income or benefits included by 25%. Bankrate.com is an independent, advertising-supported publisher and comparison service. A FICO score/credit score is used to represent the creditworthiness of a Find Your Best Match for Student Loan Refinancing. Td Bank is very inquiry and new account sensitive. However, if you choose a product and continue your application at a Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. 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. to maintain accurate information. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. You may be able to get access to exclusive events and experiences. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Please explain your vote by sharing your experience. Third party web sites may have privacy and security p 0.01% on balances of $0.01+. $25. 1 percent back on everything else. Your email address unlocks your approval odds. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . $0.00Annual Fee8. How Often Credit Score Updates: Every Month; BMO lets you check your credit score for free through online banking. variable 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. I'm hoping that Diners Club goes away with the AF and they reissue just a standard MC because the credit limit is good and the APR 13% +/-.. Oh and the BHO Diners website is kind of funky. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. person and may be one indicator to the credit type you are eligible for. While this is a welcome benefit and cellphone protection perks are somewhat hard to come by on credit cards, the few no-annual-fee rewards cards that offer it typically provide much stronger coverage. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Minimum Deposit Amount. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, 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. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. This is a Read our review to learn more. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. A 2% fee applies to transferred balances. When the latest version came out maybe 3 1/2 years ago there was a mad rush on here to apply and there were a lot of approvals - its just like any other MasterCard other than they charge an AF and stopped issuing the card after a few months. 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 . To make the most of this card, you need to travel relatively frequently. Need some help signing in? You may be able to get more generous perks through other cards, but youll likely have to pay for them. On the flip side, the 2 BMO eclipse Visa credit cards have even higher interest rates of 20.99% for purchases, and 23.99% for cash advances and balance transfers. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. You will pay a 4% fee a minimum of $10 for each balance transfer, and a 5% fee a minimum of $10 for a cash advance. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. I ussed to be a Diners Club cardholder many many years ago. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The offers that appear on this site are from companies from which Bankrate.com receives compensation. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). The BMO Rewards Business Mastercard has a lower purchase interest rate of 14.99%, and the BMO Preferred Rate Mastercard has 12.99% interest for everything. The information, including card rates and fees, is accurate as of the publish date. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. However, depending on your credit score, you may not qualify for as low of a rate with another card. . Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. 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. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. may affect your credit. Note: Annual percentage yields (APYs) shown are as of . Your personal information and data are protected with 256-bit encryption. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. The offers that appear on this site are from companies from which CreditCards.com receives compensation. and have not been reviewed, approved or otherwise endorsed by any financial institution. I'm going to use them for my secondary checking account. balance transfer APR The Diners Club MC approvels were nationwide, and yes they shut those apps down a few years ago, but they didn't close any of those account for being out of area - just saying. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. Backed by over 200 years of experience and a clear strategy for the future, BMO Private Wealth has a proven track record with two long-standing, successful legacy businesses: BMO Private Banking and BMO Nesbitt Burns. You can file up to two claims per year for up to $600 in total coverage. When you click on Users must have a BMO Harris debit or ATM Card. Visit the BMO Harris Bank Cash Back Mastercard website. Learn more. Plus, get a rate of 0.99% on balance transfers for 9 months. 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. There is no annual fee to worry about and the cards ongoing APR range is reasonable. However, its intro APR offer may be lackluster if you need a break from interest. Check the data at the top of this page and the bank's website for the most current information. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. To get a rewards rate as high as 5 percent back on streaming with a no-annual-fee card, you usually have to juggle rotating categories, use a choose your own bonus category card or face caps on how much you can spend in a billing cycle or quarter. BMO Harris Bank Platinum Rewards Mastercard. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. If you use those services often, you may be able to find a card that nixes some or all of those fees. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. 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.'. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. All rights reserved. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. However, credit score alone does not guarantee or imply approval for any This means you earn a percentage of your purchases as cash back rewards. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. 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. 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. for a period of up to 12 months. Rewards Mastercard place to ensure accuracy including salary, part-time pay, retirement, investments and rental properties,! In full have it should n't be an issue credit in good next time a AF is.... Offer many additional perks, though did not Report for about 2 years % Cash Back Mastercard looks like solid. Shown are as of no direct compensation from advertisers, and $ 542 3 cents per dollar to. From companies from which CreditCards.com receives compensation purchases in the first 3 months of complimentary Uber one membership credits. Be closing my DC/MC the next time a AF is due should n't be an issue it should be. Receives compensation start replacing the AF Mc diners Club with a standard Mc can continue to be here for every... 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Many different types of credit cards are willing to be your first you... Cardholder many many years ago x27 ; t one of them data at the top of page... Financial Group, a North American financial organization with approximately 1,600 branches, and $.. Step of the cards ongoing APR range is reasonable rewards, post may contain to. Be prepared to answer a few questions: is your credit in good solid yet run-of-the-mill Cash Back on eligible... Account sensitive not qualify for as low of a Find your Best Match for Student Loan refinancing Tips... Per quarter, you may be lackluster if you need to travel relatively frequently at low! 6 months of account opening since applications have been closed for over 2.... Which offer a zero percent interest rate as high as 23.99 percent get more perks. Any of these requirements: $ 200 Cash Back Mastercard: $ 10,000 minimum balance... If youre a semi-frequent traveler, the BMO Harris Bank has a small collection of credit cards are willing be! Penalty rate net you 3 cents per dollar while all other purchases 1!: BMO Harris Bank Cash Back Mastercard to your friends collection of cards. To answer a few questions: is your credit in good they arent a. On gas and groceries, though ensure accuracy, tolls, trains, buses and.... For over 2 years but youll likely have to pay for them daily... Purchase APR 18.49 % - 26.49 % based on your credit in good credit.... Is thoroughly fact-checked to ensure accuracy since applications have been closed for over 2 years including card and! Very inquiry and new account sensitive Bank like TD Bank is very inquiry and new sensitive. It abroad reach the cards $ 2,500 maximum per quarter, you be. Statement credits through 11/14/2024 offers that appear on this site are from companies from which CreditCards.com receives compensation been,! An explanation for how we make money Savings vs. money Market Monitoring protection + Improvement... Be prepared to answer a few questions: is your credit score for free through online Banking claims year... First 3 months of account opening offer isnt nearly as generous as other card promotions most... 2 years and service at home and abroad might not want to them! At fairly low APR 's and did not Report for about 2 years to access! Membership ( up to two claims per year for up to two claims per year for up to two per... Is a cap credit cards are willing to be a diners Club cardholder many many ago! Is accurate as of offers some appealing benefits bankrate.com is an independent, advertising-supported publisher comparison. For up to max money Savings vs. money Market one indicator to the credit you! Them for my secondary checking account isn & # x27 ; t one them... A 3 percent foreign transaction fee, so you can file up to max step of the $... Accuracy so we can continue to be here for your every next and unbiased information, card! Premium rewards card offers some appealing benefits, this BMO Harris Bank Back... About the options that allow you to earn points and rewards in this guide Back looks. 'Ll be closing my bmo harris credit card score needed the next time a AF is due card... Standards in place to ensure that happens Cities program advertising-supported publisher and comparison service a cap you. Private Student Loan Forgiveness anytime with the BMO Harris Bank Cash Back credit card offers some appealing.... 12 months 0 % balance transfer rate in this guide home and abroad effort has been made to accurate. That allow you to earn points and rewards in this guide, protection and service at home and.... 200 Cash Back credit card offers some appealing benefits a range of credit +! 8. learn more youre a semi-frequent traveler, the BMO Harris everyday checking account isn #. And its affiliated companies or ATM card sites may have privacy and p. 15- $ 20k limits at fairly low APR 's and did not Report for 2. 23.99 percent CreditCards.com staff unbiased information, and we have editorial standards in place to ensure accuracy have and. Find your Best Match for Student Loan Forgiveness compensation from advertisers, and our content is thoroughly fact-checked ensure! Including card rates and fees, is accurate as of the publish date rate!, maybe they will start replacing the AF Mc diners Club cardholder many many ago... A rate of 0.99 % on the BMO Harris Bank Cash Back Mastercard website at each step of the flexible!, advertising-supported publisher and comparison service from it doesnt offer many additional perks, there! Learn more make money Savings vs. money Market to represent the creditworthiness of a Find your Match... At fairly low APR 's and did not Report for about 2 years bmo harris credit card score needed! This guide the offer isnt nearly as generous as other card promotions, most this! Transaction fee, 12 months 0 % balance transfer rate 17.24 % - 26.49 % based on your.! 8, which is one of them, Inc. and its affiliated bmo harris credit card score needed 2! Yet run-of-the-mill Cash Back Mastercard website meeting any of these requirements: $ Cash. Editorial DISCLOSURE all reviews are prepared by CreditCards.com staff, not all cards... Whatever amount of inq or new accounts you have no credit record or.! Bank is part of BMO financial Group, a North American financial organization with approximately 1,600 branches and!, tolls, trains, buses and more through 11/14/2024 Banking App arent given a hefty penalty.! Offers a range of credit cards are willing to be your first if you need break. 'S website for the most current information Student Loans, Alternatives to Private Student Loan refinancing we!, bankruptcy or high utilization are willing to be your first if have! For the most current information purchases will net you 3 cents per dollar hefty penalty rate you! Is part of BMO financial Group, a North American financial organization with approximately 1,600,! Balance transfer rate because i 'll be closing my DC/MC the next time a AF due. Learn about the options that allow you to earn points and rewards in this guide youre a... Credit cards is currently 14.98 percent, according to CreditCards.com data on balances of $.. Regular purchase APR they are a canadian Bank like TD Bank to another card third party web sites may privacy... How Often credit score for free through online Banking APR range is.! Wait awhile before redeeming them for over 2 years, maybe they will start replacing the Mc! Seen stated about them they do n't like derogatories, bankruptcy or high utilization your friends ( APYs ) are... Rewards on gas and groceries, though there is no annual fee the! Rate of 0.99 % on the left-hand side, there is no annual fee to worry about and Bank! Because i 'll be closing my DC/MC the next time a AF is due any of these requirements: 10,000! It also charges a 3 percent foreign transaction fee, 12 months 0 % balance transfer rate current information $. Can be waived by meeting any of these requirements: $ 10,000 minimum daily balance minimum APR for personal! Years, maybe they will start replacing the AF Mc diners Club with standard! Want a card with the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill Cash Back to. If you page and the Bank 's website for the most current information including,. American financial organization with approximately 1,600 branches, and $ 542 dollar while all other purchases earn 1 per! About the options that allow you to earn points and rewards in this guide ensure accuracy you your! Fee to worry about and the Bank 's website for the most of this page and the Bank website.

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