A Red Ventures company. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. 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. Check out our step-by-step demo or find what you need in our FAQs. All Rights Reserved. This is a If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. service provider and read the information they can provide. BMO HARRIS BANK APPROVAL. SCORE. Card Monitor; Manage Your Credit Card; Ready to explore? To check the rates and terms you qualify for, one or more soft credit pulls will be done by Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. 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. Along with small personal loans, BMO Harris offers a wide array of loan terms. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. BMO Harris offers a range of credit cards with features such as cash-back rewards, . . What Are Collateral-Free Unsecured Business Loans? 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. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. 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. Fortunately, the cards terms mention that this credit can apply to eligible BMO Harris Bank accounts other than your credit card, including BMO Harris checking, savings and money market accounts. Your personal information and data are protected with 256-bit encryption. Reasonable efforts are made Finder Rating: 3.4 / 5: . 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. But they approved me. You won't earn interest. To maximize rewards earnings, use the card for all travel and restaurant spending. You may be able to get access to exclusive events and experiences. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. Editor's Rating. Savings vs. Money Market? SuperMoney.com is an independent, advertising-supported service. This editorial content is not provided by any financial institution. 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. no annual fee, 12 months 0% balance transfer rate. While we adhere to strict With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. The Bad. 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. So you may not want to rely on it as your only card. See if you qualify for student loan refinancing and compare real time offers. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Earn up to 5x points on select categories, plus unlimited 1x . 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. You can . Learn more. 1 percent back on everything else. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. All products or services are presented without warranty. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. We've updated the design for a cleaner look that's even more convenient to use! You can borrow as little as $1,500 or as much as $35,000 from the bank. 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. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . 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. By providing my email address, I agree to CreditCards.coms MasterRental can save you money by standing in for vehicle rental services collision and damage protection and cover your rental vehicle if its damage or stolen. 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. I had a card with them when they were the original diners club and another one when they were owned by citibank. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 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. They bought out Harris bank they are based in Illinois. 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. If you use those services often, you may be able to find a card that nixes some or all of those fees. Pleased with the approval. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Learn about the options that allow you to earn points and rewards in this guide! A FICO score/credit score is used to represent the creditworthiness of a This wont impact your credit score. It's no longer processed on it's own network like American Express. BMO Harris Bank has a small collection of credit cards. Your credit cards journey is officially underway. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. What credit score is needed for the BMO Harris Cash Back Mastercard? This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. The information, including card rates and fees, presented in the review is accurate as of the date of the review. APPLY NOW. 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. Intro BT APR 0% intro APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. Get a free consultation from a leading tax expert, View all credit cards offered by BMO Harris Bank, Please write a review to submit your vote, Chime secured Credit Builder Visa Credit Card, Compare Business Checking Accounts Reviews. The Blue Cash Preferred card even provides a 12-month 0 percent intro APR on both purchases and balance transfers (then a 16.99 percent to 27.99 percent variable APR). Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). Note that an applicant's credit score is one of many factors considered by credit card issuers. 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. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. You can access the BMO Harris Bank Cash Back Mastercard login page here. Personal Loan Vs. Line Of Credit: Which Is Better? If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Should You Use a HELOC to Pay Off Credit Card Debt? BMO Harris Premier Account. 22.99%for Cash Advances8. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. 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. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. 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. 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. The information, including card rates and fees, is accurate as of the publish date. You have money questions. 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. Bankrate.com does not include the entire universe of available financial or credit offers. They are offering a $200 bonus for new accounts, you can get the promo code online. *. The BMO Harris Bank Cash Back Mastercard is a cash back credit card with no annual fee and a decent rewards program geared toward people who spend lightly to moderately on gas and groceries.This rewards scheme is similar to BMO Harris Bank Platinum Rewards Mastercard's, with the major difference that rewards accrue as cash back instead of BMO Harris Rewards loyalty currency, which can be . No Fee. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Visit the BMO Harris Bank Cash Back Mastercard website. 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. FR . BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. If you tend to carry a balance and need a safer card with an affordable interest rate, you cant go wrong applying for this low rate credit card. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. I ussed to be a Diners Club cardholder many many years ago. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. 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. They pulled transunion my score was 739. 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. I applied for bmo Harris MasterCard and was approved for 5k limit. Should you accept an early retirement offer? The card has a And it's not a card that you can apply for since they shut down applications for it. 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. There arent that many rewards cards that offer triple points on both hotels and airfare, though, so if you can afford the annual fee, it may be worth keeping this card around for your first $2,500-worth of quarterly trips. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Credit Card Customer Service Consumer Cards . Congrats on your BMO Harris Platinum MC approval! Yes youre correct about that. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. How do I redeem my BMO cash back rewards? 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Youre already a BMO Harris Bank customer and want a card with the same bank. Filter & compare all your options in one place. Compare Cards. $0.00Annual Fee8. Rest assured that yo Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. 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. Synchrony Bank: 4.50% APY; $0 minimum deposit. BMO Harris Bank Auto Loan Review . Didn't have the Citi version and today the trademark is owned by Discover. Best Credit Card Promotions. However, we do receive compensation when you click on links to products from our partners. to maintain accurate information. 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. Plus, you can earn 2 points per $1 spent on groceries, up to $2,000 (January 1, 2023 to March 31, 2023), 2 points per $1 spent on travel, and $1 point per $1 spent on all other purchases. 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. One-Year manufacturers warranty standing credit-wise to access their preferred rate loan terms the old cards used travel! 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