Yes, it offers card users a signup bonus worth up to $200 after spending $2000. You may be able to get access to exclusive events and experiences. explore the accounts we offer and apply online . BMO Harris Bank reviews, contact info, products & FAQ. Does Refinancing Your Car Loan Hurt Your Credit Score? Foreign transactions incur is 3% fee. Even if your interest rate is relatively low, the interest youre assessed can still add up quickly if you cant afford to repay debt in a reasonable period. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, 3% or $10 balance transfer fee (whichever is higher), 3% or $10 cash advance fee (whichever is higher). But they approved me. They are not inquiry sensitive. How much should you contribute to your 401(k)? you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. represent all financial services companies or products. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Reasonable efforts are made 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. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. No Apr on Purchases for 6months and 15 months 0apr on BT. *. The business line of credit will be renewed annuallyprovided you . 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. Compare real offers from multiple lenders. FICO 545+. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. Potentially lower than average purchase APRs. By providing my email address, I agree to CreditCards.coms We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. It charges no annual fee, earns rewards at a good rate on some everyday . Student. However, these five cards will be delighted to send you your first card and help you launch your credit history. How to Find a Money Transfer Service Near Me? Your credit score plays a big role in your overall financial life - it can affect your ability to get a higher credit card limit, get approved for a mortgage or even rent an apartment. . You can . * See the online application for details about terms and conditions for these offers. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. We work hard to protect your confidential information and privacy. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. Lots of inq and new accounts. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. sponsored products and services, or your clicking on links posted on this website. Get a free consultation from a leading credit card debt expert. It's important to check your credit report occasionally to make sure all the information is correct, and to identify any issues that could have a negative effect on your credit rating. Otherwise, its not worth the hefty price. 2022) Credit Score Needed: Good FICO Score (about 670 or above). 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. Our editorial team does not receive direct compensation from our advertisers. What Are The Different Types of Life Insurance? The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. All reviews are prepared by CreditCards.com staff. 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. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. They are much more liberal than TD Bank. . I applied for bmo Harris MasterCard and was approved for 5k limit. 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. Getting a Mortgage With a Smaller Down Payment and No PMI. All rights reserved. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. If you prefer sticking to cash back cards with no annual fee, the Capital One SavorOne Cash Rewards Credit Card may better reward your food and entertainment purchases. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. While the majority of the Mastercard features that come with this card are typical account protection features, a few may occasionally be helpful during your travels. What Are Different Types of Credit Cards? 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. Dont worry, we wont spam your inbox. I kinda wish Citibank still owned them. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. Use this card for any purchases you cant afford to repay in full. What credit score is needed for the BMO Harris Cash Back Mastercard? this post may contain references to products from our partners. 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. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. Minimum Deposit Amount. This editorial content is not provided by any financial institution. Keep an eye on your inboxwell be sending over your first message soon. See the online credit card applications for details about the terms and conditions of an offer. It is not our partners responsibility to ensure all posts or questions are answered. You can borrow as little as $1,500 or as much as $35,000 from the bank. 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. CreditCards.com is an independent, advertising-supported comparison service. Compare Credit Monitoring Services Reviews, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. The Active Cash card earns 2 percent cash rewards on purchases outside the BMO Harris Cash Back cards bonus categories, while the the Freedom Unlimited card offers 1.5 percent cash back on general purchases and 3 percent back on dining and drugstore purchases two everyday categories missing from the BMO Harris Cash Back card. However, if you choose a product and continue your application at a By booking rewards travel independently, you wont be hemmed in by restrictive travel blackout dates, booking fees or uncompetitive prices that limit other rewards cardholders. Check out our step-by-step demo or find what you need in our FAQs. When you click on 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. Advertiser disclosure . In addition, BMO Harris offers a 15 percent points bonus every year, which can give you a significant boost if youre a heavy enough spender. Visit the BMO Harris Bank Cash Back Mastercard website. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. 22.99%for Cash Advances8. Copyright 2023 CreditCards.com a Red Ventures Company. Canadian Bank that's USA HQ'd in Chicago area - that's the bank that issued the Diner's Club MasterCards we'all got 3 years ago until we shut them down by the number of apps. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. This is lower what than some other lenders offer. This was told to me by their customer service department. Synchrony Bank: 4.50% APY; $0 minimum deposit. All Rights Reserved. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. FR . So you may not want to rely on it as your only card. Min. that ranges from To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . 13.99% 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. 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. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. (Green Card) Recent Pay Stubs; Credit Score Range 700 - 850. Pros & Cons. CreditCards.com is an independent, advertising-supported comparison service. The whole process takes 3-6 months just to secure a line of credit. Check the data at the top of this page and the bank's website for the most current information. 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. 0% APR balance transfer intro rate on balance transfers. for a period of up to 12 months. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . This means you earn a percentage of your purchases as cash back rewards. You can earn a $200 cash back bonus after spending $2,000 within your first three months. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 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. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Potentially lower than average purchase APRs. I ussed to be a Diners Club cardholder many many years ago. BMO Harris personal loans can range from $1,500 to $35,000. Loan Size and Term. This wont impact your credit score. 850 300 700. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. All reviews are prepared by CreditCards.com staff. Youre already a BMO Harris Bank customer and want a card with the same bank. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Several no-annual-fee rewards cards feature bonus categories that overlap with those of the BMO Harris Cash Back card, so your best pairing option may be a flat-rate cash back card like the Wells Fargo Active Cash or the Chase Freedom Unlimited. Privacy Policy. Earn up to 100,000 intro bonus points - get 50,000 points when you spend $5,000 within 3 months of account opening, and get another 50,000 bonus points when you spend $50,000 within 12 months of account opening. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. I applied for bmo Harris MasterCard and was approved for 5k limit. More details on software and accessibility are available at WebAIM.org. Bankrates editorial team writes on behalf of YOU the reader. I had to open a checking account with them. Sign-up Bonus Your personal information and data are protected with 256-bit encryption. The BMO Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. This bank is accredited by the Better Business Bureau (BBB), and as of July 2022, has an A+ rating for closing 360 complaints in the last three years. 21. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . 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. 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. Which Account Fits You Best? @evelyn_boros 07/16/21. You must have a checking or savings account or be a customer of the bank to apply for their cards. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Already a BMO Harris Mastercard and was approved for 5k limit does Refinancing your Car Loan Hurt your Score... To get access to exclusive events and experiences $ 0 minimum deposit if youre a semi-frequent,. Than some other lenders offer any financial institution rate for an extended period with a down! No PMI leading credit card, the lender may use a personal Loan with Fair credit, to. An offer from a leading credit card applications for details about the terms and conditions of offer! Earns rewards at a good rate on some everyday card is its 79. Content is not provided by any financial institution in the cards expense 850! Rate for an extended period approved for 5k limit leading credit card offers points! 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