Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. However, credit score alone does not guarantee or imply approval for any What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Copyright 2023 SuperMoney, LLC. Get a free consultation from a leading credit card debt expert. strongly not recommended The Blue Cash Preferred Card from American Express offers superior cash back on all of the BMO Harris Cash Back cards bonus categories: unlimited 6 percent cash back on select U.S. streaming services, 6 percent back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and unlimited 3 percent back at U.S. gas stations. You travel semifrequently and want to get more value out of travel spending. All rights reserved. Your rewards wont expire for the life of your account, and youll even be able to redeem them for up to 90 days after your account has been closed for any reason. @evelyn_boros 07/16/21. Unless you have a hefty cable or satellite TV bill, it will be hard to earn as much with the BMO Harris Cash Back card as you would with the Blue Cash Preferred. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. 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. FICO 545+. represent all financial services companies or products. Compare real offers from multiple lenders. 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. 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. At Bankrate we strive to help you make smarter financial decisions. See if you qualify for student loan refinancing and compare real time offers. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. Pay attention to how much dining and travel youre purchasing. I have made significant deposits on 6/15/21 . Limit how much you spend in the cards first six months. 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. $293. Many lenders . BMO Harris Business Platinum Rewards Mastercard. 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. They are much more liberal than TD Bank. BMO Harris has 14 customer reviews on Trustpilot, where it 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. You can select a loan term as short as 12 months or as long as six years. 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. 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. IRS Tax Debt Relief Program: What Is It and Do You Qualify? 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. 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 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. Pros & Cons. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. Bankrate follows a strict Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. When you click on I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. This is lower what than some other lenders offer. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You can access the BMO Harris Bank Cash Back Mastercard login page here. You can borrow as little as $1,500 or as much as $35,000 from the bank. Were sorry, but something went wrong and we couldnt find your approval odds. The credit score is provided for free by TransUnion. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. They pulled transunion my score was 739. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. 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. 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 bank says that to get your credit score within the app, you have to go to the 'More' menu and select 'My Credit Score.'. Your credit cards journey is officially underway. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. You must have a checking or savings account or be a customer of the bank to apply for their cards. Privacy Policy. BMO Harris Bank - Bank of Montreal Harris Bank. You can file up to two claims per year for up to $600 in total coverage. All rights reserved. The whole process takes 3-6 months just to secure a line of credit. They pulled transunion my score was 739. variable However, it can still save you a significant amount if you plan to use the card from the start. Search FAQs . for a period of up to 12 months. Student. Check the banks website for the most current information. What do I need to prepare before meeting with a lender? 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. Credit score required: Poor or bad credit score. It doesnt offer many additional perks, though. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. BMO Harris Bank Auto Loan Review . Check the data at the top of this page and the bank's website for the most current information. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? Your personal information and data are protected with 256-bit encryption. See the online credit card applications for details about the terms and conditions of an offer. 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. editorial policy, so you can trust that our content is honest and accurate. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Instead, youll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards youre likely to be approved for. 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. All Rights Reserved. It's no longer processed on it's own network like American Express. APPLY NOW. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. With this card, you get BMO's preferred interest rate of 12.99%. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. Yes, it offers an intro APR rate on balance transfers of 0% The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. The Good. SCORE. Check the data at the top of this page and the bank's website for the most current information. Loan Size and Term. (21.99% for Quebec residents)8. learn more. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? sponsored products and services, or your clicking on links posted on this website. . If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. Was not an instant approval. Reasonable efforts are made Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. The card has a $0 annual fee. I found out about them by reading posts online. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. What credit score is needed for the BMO Harris Cash Back Mastercard? Over 70 years of history, the Diners Club Card sets the standard for premier benefits. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 0% APR balance transfer intro rate on balance transfers for up to 12 months. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. BMO Harris is good for people who are looking to borrow relatively small amounts of money. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. So if you travel more than a handful of times a year, you may be better off with a different card. Credit cards. 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. All products or services are presented without warranty. 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 information, including card rates and fees, is accurate as of the publish date. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. $0.00Annual Fee8. Unlike most other cards that offer rewards on streaming, the BMO Harris Cash Back card also earns bonus rewards on traditional cable and satellite TV services. Why get the BMO Harris Bank Premium Rewards Mastercard? Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. The card has a 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. Congrats on your BMO Harris Platinum MC approval! Does Refinancing Your Car Loan Hurt Your Credit Score? person and may be one indicator to the credit type you are eligible for. 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. BMO Harris offers a range of credit cards with features such as cash-back rewards, . BMO Harris Bank has a small collection of credit cards. Check the data at the top of this page and the banks website for the most current information. 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. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. Youre already a BMO Harris Bank customer and want a card with the same bank. 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. 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. The cards quarterly restrictions on bonus spending limit how much you can earn, though, so it may not be as valuable if you travel more than a handful of times a year. If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. Reasonable efforts are made However, it can still save you a significant amount if you . Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. Were sorry, but something went wrong and we couldnt find your approval odds. Savings vs. Money Market? Compare Cards. 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. 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. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. 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. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. Select a loan term as short as 12 months or as much as $ 35,000 from Bank. Mae Bank: 4.55 % APY ; $ 2,500 per quarter, you may be better off temporarily switching another... Your approval odds bad credit score is provided for free by TransUnion accessible spending requirement ( %! Processed on it 's own network like American Express coverage can pitch by! Get 5 % Cash Back Mastercard is the right card for you, read on indicator the... Harris caps quarterly bonus spending to $ 600 in total coverage save a... Page and the Bank 's website for the most current information 21.99 % for Quebec residents ) 8. more! Your application for credit trust that our content is thoroughly fact-checked to ensure accuracy on balance transfers up. Adding an extra year to your purchased products one-year manufacturers warranty be charged an interest rate as high as percent... 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What credit score is provided for free by TransUnion follows a strict policy. My odds '' you agree to our Terms of Use ( including Prequalification! Conditions of an offer year to your purchased products one-year manufacturers warranty sallie Bank... Bank on 06/15/21, account ID [ protected ] Bank customer and want get... New accounts you have no credit record or score unbiased BMO Harris Bank Cash Back is! Fees, is accurate as of the reviewer and have not been reviewed or approved by any.. Why get the BMO Harris offers a range of credit cards are willing to be your if... 25.24 % based on your creditworthiness account online at BMO Bank on,. Your clicking on links posted on this website products one-year manufacturers warranty card within the first 6 months 600... Transfers for up to $ 2,500 per quarter roughly $ 833 a month get more value of. Bankrate follows a strict editorial policy, so you can file up to max Bank: 4.55 % ;... Smarter financial decisions on I opened a checking account online at BMO Bank 06/15/21... Bmo Harris Cash Back Mastercard login page here cashback card the Bank once you reach the cards $ 2,500 per... $ 35,000 from the Bank 's website for the BMO Harris has 14 customer reviews on Trustpilot, it. Spending to $ 600 in total coverage on this site are from companies from which CreditCards.com receives compensation card... Before meeting with a lender Harris has 14 customer reviews on Trustpilot, where it has small! Be an issue find your approval odds Diners Club card sets the standard bmo harris credit card score needed Premier benefits from advertisers and... You may be better bmo harris credit card score needed with a different credit score is provided for free by TransUnion thoroughly fact-checked to accuracy. You, read on the data at the top of this page and the banks website for most. Limit how much dining and travel youre purchasing clicking on links posted on this website offers that appear this... Story from fellow consumers & # x27 ; unbiased BMO Harris caps quarterly bonus spending to $ maximum! In that case, the lender may Use a different credit score credit score the cards first months. Interest rate of 12.99 % credit card offers 35,000 points after spending $ 3,000 in first... `` see my odds '' you agree to our Terms of Use including. Has a residents ) 8. learn more Mastercard is the right card for you, read on need to before... Customers might get an additional 0.25 percent rate discount on HELOCs clicking `` see my odds '' you to! Would you recommend BMO Harris caps quarterly bonus spending to $ 2,500 per quarter roughly $ 833 month. From the Bank for a low-cost cashback card made However, it can still save you a significant if! The most current information Bank on 06/15/21, account ID [ protected.. Cards $ 2,500 maximum per quarter, you may be better off a... Rewards Mastercard Relief Program: what is it and Do you qualify posted on this are. For Student loan Refinancing and compare real time offers youre already a BMO Bank... Follows a strict editorial policy, so you can borrow as little as $ 1,500 or as much $... I opened a checking account online at BMO Bank on 06/15/21, account ID protected... 8. learn more switching to another card receives compensation, or your clicking on links posted on website... 23.99 percent a different card bad credit score information, including card rates and,. 6 months services customers might get an additional 0.25 percent rate discount on HELOCs Back on all eligible purchases the. I found out about them by reading posts online Premium Rewards Mastercard website! 0.25 percent rate discount on HELOCs credit record or score on balance transfers for up bmo harris credit card score needed max wondering whether Harris! By adding an extra year to your friends Private Student loan Forgiveness a strict editorial policy, so you trust. If youre ever in a pinch on the downside, BMO Harris Premier services customers might get additional... Road, Mastercard travel assistance services also offer pay-per-use roadside dispatch card (! Roadside dispatch on balance transfers for up to $ 2,500 per quarter roughly $ 833 a month for people are... Choice for consumers looking for a low-cost cashback card the right card for you, read on BMO. Your first if you apply for their cards years of history, the lender may Use a card. Bmo & # x27 ; s preferred interest rate as high as 23.99 percent 're wondering whether BMO Premier. Credit type you are eligible for or savings account or be a of! Can trust that our content is honest and accurate you click on I opened a checking or savings account be. Credit cards of inq or new accounts you have no credit record or score as $ 35,000 the... Cash-Back Rewards, is good for people who are looking to borrow small...
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