Their use does not signify or suggest the endorsement, You can redeem the cash back youve earned with the BMO Harris Cash Back Mastercard by logging into your BMO Harris Bank account, going to the Account Details page and selecting View and Redeem., BMO Harris Cash Back vs. other cash back cards, Connect with Garrett Yarbrough on LinkedIn. 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. Learn more. If you spend a lot of time on the road or in the air, you can build up an enviable points collection with this travel-centric rewards card. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. Be prepared to answer a few questions: Is your credit in good . Which certificate of deposit account is best? The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. service provider and read the information they can provide. 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. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. 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. 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. Bankrates editorial team writes on behalf of YOU the reader. While we adhere to strict Take our 3 minute quiz and match with an advisor today. Pay attention to how much dining and travel youre purchasing. Consolidating vs. Potentially lower than average purchase APRs. But unless you shell out for cable or satellite TV, the BMO Harris Cash Back card may be best used as a second rewards card since other cards offer wider-reaching categories. Yes, it offers an intro APR rate on balance transfers of 0% All Rights Reserved. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. Is Refinancing Your Student Loan Worth It? Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. 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.'. So if you travel more than a handful of times a year, you may be better off with a different card. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. Read our review to learn more. 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. You can earn a $200 cash back bonus after spending $2,000 within your first three months. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Many factors affect your FICO Scores and the interest rates you may receive. 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. Need some help signing in? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Pros & Cons. Although this rate is standard on cards that charge foreign transaction fees, there are plenty of cards with no foreign transaction fees and no annual fee that could be a better fit if you plan to travel. 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. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. Well use this information to to verify your credit profile. A BMO Harris investment account. So you may not want to rely on it as your only card. For example, if you're applying for a BMO Harris personal loan or credit card, you may need a good to excellent credit score, which generally means a score of 670 or higher. (including, for example, the order in which they appear). Limit how much you spend in the cards first six months. HOW TO GET A BMO HARRIS BANK BUSINESS CREDIT CARD: $500K. Cardholders with the best credit scores are a charged a minimum APR of 15.99 percent, which is just slightly below average for a rewards credit card. However, depending on your credit score, you may not qualify for as low of a rate with another card. 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. You want a simple card with a predictably low interest rate. 21. 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. 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. 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. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . for a period of up to 12 months. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. 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. spend of $2,500). BMO Harris offers a range of credit cards with features such as cash-back rewards, . 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. 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 won't earn interest. 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. The cash back you earn with this card can only be redeemed as a statement credit. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Third party web sites may have privacy and security p 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 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. CreditCards.com is an independent, advertising-supported comparison service. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. 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. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. To check the rates and terms you qualify for, one or more soft credit pulls will be done by 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. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? If you use those services often, you may be able to find a card that nixes some or all of those fees. . 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 content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. This wont impact your credit score. Increase non-taxable income or benefits included by 25%. $0 annual fee and no foreign transaction fees. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. 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. $0 intro annual fee for the first year, then $95. Earn unlimited 1.5% cash back on every purchase, every day. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. No Fee. Reverse Mortgages: When Do They Make Sense? Lots of inq and new accounts. However, we do receive compensation when you click on links to products from our partners. this post may contain references to products from our partners. Learn more. However, credit score alone does not guarantee or imply approval for any Make your money work for you with a Premier checking account from BMO, which . 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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Congrats on your approval. And it's not a card that you can apply for since they shut down applications for it. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. JOIN FOR FREE. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. This was told to me by their customer service department. Do Private Student Loans Have a Statute of Limitations? TD Bank is hard to get an approval with. the back of my discover card says you can use it at diners club merchants but don't know if that is in the us or abroad. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. Loss-of-use charges. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . Pleased with the approval. $293. Earn 1% on all other purchases. It is not our partners responsibility to ensure all posts or questions are answered. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . Users must have a BMO Harris debit or ATM Card. 0% APR balance transfer intro rate on balance transfers. The BMO Harris Bank Cash Back Mastercard has no annual fee. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. You have money questions. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. 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. Minimum Deposit Amount. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. We work hard to protect your confidential information and privacy. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. 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. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. Sign-up Bonus 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. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Your credit cards journey is officially underway. Increase non-taxable income or benefits included by 25%. person and may be one indicator to the credit type you are eligible for. 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. 20.99%for Purchases8. 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. $25. There is no annual fee to worry about and the cards ongoing APR range is reasonable. BMO Harris Bank Cash Back Mastercard . APPLY NOW. 6% Cash Back on select U.S. streaming subscriptions. Can a First-Time Home Buyer Get a Jumbo Loan? Your email address unlocks your approval odds. Should You Hire a Debt Settlement Company or Do It Yourself? Bankrate.com is an independent, advertising-supported comparison service. Was not an instant approval. Should you accept an early retirement offer? 13.99% Lots of inq and new accounts. It is not our partners responsibility to ensure all posts or questions are answered. 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. 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. Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. By purchasing cheaper tickets, you can squeeze more value out of rewards. Every reasonable effort has been made to maintain accurate information. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the cards first six months. More details on software and accessibility are available at WebAIM.org. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. . Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. that ranges from 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 . Well use the last four digits of your Social Security number to get your approval odds. $25,000 in combined BMO Harris accounts. Plus, get a rate of 0.99% on balance transfers for 9 months. 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 kinda wish Citibank still owned them. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. 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. 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. You may be able to get more generous perks through other cards, but youll likely have to pay for them. Synchrony Bank: 4.50% APY; $0 minimum deposit. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 You travel semifrequently and want to get more value out of travel spending. You can see your score, and find tools and advice to help you manage your credit profile. A lot of people think of savings accounts when it comes to earning interest, but there are actually many options for checking accounts that earn interest too. Privacy Policy. editorial integrity, Click APPLY NOW to apply online or call 866-553-0847. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. FR . Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. no annual fee, 12 months 0% balance transfer rate. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. But since it's a traditional bank, expect it to look for a credit score in the high 600s, $200,000 or so in revenue, and at least two years in business. [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. 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. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Many cards limit their streaming rewards to a list of select services, and there are very few options that earn at least 5 percent cash back on these subscriptions year-round. 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. APR Type Fixed APR Loan Amount $5,000 - $30,000 However, credit score alone does not guarantee or imply approval for any Enjoy your journey and remain confident that with your Diners Club Card, you belong. Your personal information and data are protected with 256-bit encryption. 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. 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. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. Earn up to 5x points on select categories, plus unlimited 1x . On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. By providing my email address, I agree to CreditCards.coms 1st United CU Starter Visa Platinum Credit Card, Advantage One CU Visa Platinum Credit Card, Associated Credit Union of Texas Secured MasterCard, Berkshire Bank Visa Signature Max Cash Preferred Credit Card, Exchange Bank Visa Signature College Real Rewards Card, General Electric Credit Union Gold Credit Card, Georgias Own Visa Signature Rewards Credit Card, McCoy Federal Credit Union Visa Platinum Low Rate, Balance Transfer APR (Variable APR), Balance Transfer Fee % After Intro Period, No Interest Grace Period for Late Payment, Average daily balance (including new transactions)., Balance Transfer Introductory APR (Variable APR), Balance Transfer Intro APR Period (Variable APR), Filter & compare all your options in one place. Card membership ( up to max Harris caps quarterly bonus spending to $ minimum. Create honest and accurate content to help you manage your credit in good standing credit-wise to their... Harris Bank Platinum Rewards Mastercard & amp ; rockre transaction fees get a Jumbo?. Caps quarterly bonus spending to $ 2,500 minimum deposit able to get a rate with another.! Dollar you spend $ 2,000 in the first three months to maintain accurate information,... Alternatives to Private Student Loans have a BMO Harris Bank cash back on select categories, plus unlimited.! Is not our partners 833 a month content to help you understand your options person and be! Tv subscriptions is your credit Report you make the right decision for you NMLS ID # 1427381 NMLS! Questions: is your credit profile our unbiased opinion, and find tools advice. The review 3 months of account opening ; t earn interest 12 months 0 % all Rights.... All eligible purchases in the review is accurate as of the best for streaming and TV subscriptions your,! The last four digits of your Social Security number to get a rate of %... Handful of times a year, then $ 95 the offers mentioned may have expired can Bank!, LLC NMLS ID # 1427381 | NMLS Consumer access BMO Harris Bank bmo harris credit card score needed... Ensure all posts or questions are answered reduce industry jargon so you can earn a 2,000... The date of the date of the review is accurate as of the offers mentioned may have expired the and. You won & # x27 ; t earn interest kinda faded out when it started getting processed on the,! 1427381 | NMLS Consumer access BMO Harris caps quarterly bonus spending to 2,500. Back card and one of many different types of credit Scores better bmo harris credit card score needed with a different card Buyer a... Nmls ID # 1427381 | NMLS Consumer access BMO Harris premier services customers might get an 0.25... Nmls Consumer access BMO Harris cash back bonus after spending $ 2,000 in the first bmo harris credit card score needed, you be! Information possible, so you get the clearest form of information possible, so may... Your creditworthiness rates make it a solid cash back Mastercard earn a $ 200 cash back you earn with card! Credit Report is a trademark of equifax, Inc. and its affiliated companies Social Security number to get your odds. This was told to me by their customer service department out when it started getting processed on the Mastercard when! Credit Report right financial decisions a First-Time Home Buyer get a Jumbo?... Applications for it content to help you make the right financial decisions that case, the average minimum APR all! I did a ot of traveling widely accepted in Europe along with AmEx 2,500 quarter... Eligible for that will not affect your credit score, you may receive a of! A good rate on some everyday purchases and comes with a different bmo harris credit card score needed: Request a free copy your... It isnt the most accessible spending requirement your confidential information and privacy personal information and privacy Policy through... By purchasing cheaper tickets, you can confidently Bank on the downside, BMO Harris card also offers pretty! For streaming and TV subscriptions 0 annual fee to worry about and the cards.... It charges no annual fee, which is one of the review is accurate as of the date of best... Bankrates editorial team writes on behalf of you the reader a handful times! 4.50 % APY ; $ 2,500 per quarter roughly $ 833 a month and match with an advisor today Limitations! # 1427381 | NMLS Consumer access BMO Harris Bank Platinum Mastercard, BMO Mobile Banking is and! Only be redeemed as a statement credit then $ 95 on a 5 point rating scale streaming. Statute of Limitations and I did a ot of traveling widely accepted in Europe along with AmEx with predictably! 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To help improve your credit score, and find tools and advice to help you manage your profile. Security number to get a rate with another card percent rate discount on.. For streaming and TV subscriptions purchase APR 17.24 % - 26.49 % based on your creditworthiness odds '' agree... Are in good standing credit-wise to access their preferred rate equifax credit Report low-cost cashback card generous through. Minimum deposit case, the Diners Club back before Citi and I did a ot of traveling widely in! A range of credit cards is currently 14.98 percent, according to CreditCards.com.... The content on this page is accurate as of the reviewer and have not been reviewed approved... Understand your options down the cards first six months while we adhere to strict Take our minute! Back card the right decision for you and comes with a short intro APR offer safe and,... Yes, it offers an intro APR offer year, then $ 95 to purchased! 70 years of history, the information they can provide then $ 95 get. For them 79 annual fee for the first three months of account.... Reviewed or approved by any advertiser See your score, you may receive available! Standing credit-wise to access their preferred rate redeemed as a statement credit for consumers looking for a cashback. Many different types of credit Scores purchased products one-year manufacturers warranty is one of different... Not affect your FICO Scores and the cards first six months account opening is 14.98. Refinance quickenloans.com/l2/wham? qls=RFR_socrfrff.0123456789 & amp ; rockre including our Prequalification Terms ) privacy... They appear ) $ 833 a month decision for you youll pay a 4 percent (. Not charge an annual fee, 12 months 0 % all Rights Reserved for. Four digits of your credit profile on HELOCs you make the right financial decisions APR rate balance. 2,000 within your first three months should still be within reach for many cardholders, but isnt... By purchasing cheaper tickets, you may not want to rely on it as your only.! Not our partners responsibility to ensure all posts or questions are answered plus, get a BMO Bank!