We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. 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. All reviews are prepared by CreditCards.com staff. The Good. 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. However, its intro APR offer may be lackluster if you need a break from interest. 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. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and 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. purchase APR The BMO Harris Bank Mastercard is also more forgiving of occasional missed payments, making it a good choice for cardholders who sometimes forget to pay their bill. BMO Harris paid for the creation of the content on this page. Sign-up Bonus 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.'. BMO Harris is good for people who are looking to borrow relatively small amounts of money. All products or services are presented without warranty. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. Went to underwriter. Savings vs. Money Market? BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Many factors affect your FICO Scores and the interest rates you may receive. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. Then, 17.24% - 25.24% APR based on your creditworthiness. Earn up to $400 when you open a new BMO business checking account using the promo code, achieve a minimum balance of $5,000 (for a $250 bonus) or $10,000 (for a $400 bonus) by day 31, stay at or . 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. Special Offer. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. Their use does not signify or suggest the endorsement, No credit card needed . By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. BMO Harris Bank Cash Back Mastercard has a Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? financial product. It also has a Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Yes youre correct about that. variable But I've started closing lines I don't need store cards. They are offering a $200 bonus for new accounts, you can get the promo code online. BMO lets you check your credit score easily and for free with access to CreditView. 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. 3.5/5. 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. 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. What Are The Different Types of Life Insurance? 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. I think discover card owns the international part of the payment system now. FTC's website on credit. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. I ussed to be a Diners Club cardholder many many years ago. I had a card with them when they were the original diners club and another one when they were owned by citibank. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. We maintain a firewall between our advertisers and our editorial team. 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. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. Relatively small loan amounts, but wide range of loan terms. 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? I have made significant deposits on 6/15/21 . SCORE. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. Synchrony Bank: 4.50% APY; $0 minimum deposit. Credit cards. Note that an applicant's credit score is one of many factors considered by credit card issuers. Compare Cards. Well use this information to to verify your credit profile. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 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. What do I need to prepare before meeting with a lender? Dont worry, we wont spam your inbox. 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). BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . But I've started closing lines I don't need store cards. However, we do receive compensation when you click on links to products from our partners. 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. Foreign transactions incur is 3% fee. Can a First-Time Home Buyer Get a Jumbo Loan? Why get the BMO Harris Bank Premium Rewards Mastercard? Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Consolidating vs. 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. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. With this card, you get BMO's preferred interest rate of 12.99%. 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. 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. BMO Harris Bank Platinum Mastercard . 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. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Your credit cards journey is officially underway. Bankrate.com is an independent, advertising-supported publisher and comparison service. 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. It's no longer processed on it's own network like American Express. BMO Harris personal loans can range from $1,500 to $35,000. Obtaining your first credit card is a big event. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. explore the accounts we offer and apply online . Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. Unfortunately, this BMO Harris everyday checking account isn't one of them. Unlike most low interest rate cards that advertise a wide range of potential APRs, this card offers just a narrow range of possible interest rates all of which are well below average for a low interest rate 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. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Learn more. The HSBC Gold Credit Card won't enrich you with rewards treasure, but it will hide your balance from interest's grasp for the first 18 months your account is open. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. Get 5% cash back on eligible streaming, cable TV and satellite services Get 3% cash back on eligible gas and grocery purchases Get 1% cash back on all other eligible purchases, $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. 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. Pay attention to how much dining and travel youre purchasing. With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. Further information is available in our FICO Data Privacy Policy. Note: Annual percentage yields (APYs) shown are as of . The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. But Citi sold them off. Your email address unlocks your approval odds. 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. . CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 21. I had to open a checking account with them. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). I kinda wish Citibank still owned them. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Every reasonable effort has been made to maintain accurate information. BMO Harris Bank Cash Back Mastercard . 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. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. The information, including card rates and fees, is accurate as of the publish date. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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). 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. 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, No Apr on Purchases for 6months and 15 months 0apr on BT. I found out about them by reading posts online. However, depending on your credit score, you may not qualify for as low of a rate with another card. How to Negotiate with Creditors for a Lower Debt Settlement, How To Find Auto Insurance That Covers Any Driver, How to Get Cheap Auto Insurance Before You Buy a Car, Complete Guide to Choosing the Best Auto Insurance, What Homeowners Need To Know About Excess Flood Insurance, How to Find Home Insurance that Covers Water Damage, How to Find Home Insurance That Covers Everything, How to Dispute a Home Insurance Claim Settlement, Surprising Things Homeowners Insurance Doesn't Cover, How to Find the Best Whole Life Insurance Policy, Differences Between Whole and Term Life Insurance. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 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. Earn 1% on all other purchases. You won't earn interest. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. Getting a Business Loan When You Have Bad Credit. 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. However, credit score alone does not guarantee or imply approval for any Minimum Deposit Amount. 2022) Credit Score Needed: Good FICO Score (about 670 or above). *. Home equity line of credit (HELOC) calculator. What Are Different Types of Credit Cards? You can request a free credit report from . All reviews are prepared by CreditCards.com staff. 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. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. TD Bank is hard to get an approval with. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. However, credit score alone does not guarantee or imply approval for any Credit score required: Poor or bad credit score. Best Credit Card Promotions. When you click on We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . Enjoy your journey and remain confident that with your Diners Club Card, you belong. The cash back you earn with this card can only be redeemed as a statement credit. They pulled transunion my score was 739. I'm going to use them for my secondary checking account. Bmo Harris MasterCard approval. 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