Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. 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. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. Getting ready to close some comenity cards next. The Good. editorial integrity, I'm going to use them for my secondary checking account. You must have a checking or savings account or be a customer of the bank to apply for their cards. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Note that an applicant's credit score is one of many factors considered by credit card issuers. While you can can earn a good amount of cash back with the BMO Harris Cash Back Mastercard thanks to its grocery and gas rewards, the cards high rewards rate on streaming and TV services may be less impressive when you crunch the numbers. Is Refinancing Your Student Loan Worth It? All Rights Reserved. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. A 2% fee applies to transferred balances. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Third party web sites may have privacy and security p strongly not recommended Bankrate.com is an independent, advertising-supported comparison service. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 2023 Bankrate, LLC. Then, 17.24% - 25.24% APR based on your creditworthiness. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. that ranges from CreditCards.com is an independent, advertising-supported comparison service. Obtaining your first credit card is a big event. Consolidating vs. Thank you. Your personal information and data are protected with 256-bit encryption. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Earn unlimited 1.5% cash back on every purchase, every day. 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. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. for a period of 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. BMO Harris Bank Platinum Rewards Mastercard. 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. Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the cards $79 annual fee. BMO Harris has a wide range of options when it comes to credit cards. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Should you accept an early retirement offer? No Apr on Purchases for 6months and 15 months 0apr on BT. BMO Harris has 14 customer reviews on Trustpilot, where it has a . editorial policy, so you can trust that our content is honest and accurate. 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. 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. It also charges a hefty $79 annual fee after the cards first year. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Student. This editorial content is not provided by any financial institution. The whole process takes 3-6 months just to secure a line of credit. Pay attention to how much dining and travel youre purchasing. Your personal information and data are protected with 256-bit encryption. Our editorial team does not receive direct compensation from our advertisers. BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. This compensation may impact how and where products appear on this site Youre already a BMO Harris Bank customer and want a card with the same bank. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Privacy Policy. We work hard to protect your confidential information and privacy. 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. Along with small personal loans, BMO Harris offers a wide array of loan terms. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. 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. Loss-of-use charges. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. This APR will vary with the market based on the Prime Rate.*. Learn more about our advertising policy. 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. Should You Use a HELOC to Pay Off Credit Card Debt? If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. BMO Harris Business Platinum Rewards Mastercard. I had to open a checking account with them. Should You Hire a Debt Settlement Company or Do It Yourself? Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. Keep an eye on your inboxwell be sending over your first message soon. Home Equity Loan vs. Line of Credit: Which Should You Choose? Otherwise, its not worth the hefty price. FR . While a year of 0 percent interest could be a big help if you need to pay off debt, its not the longest intro APR offer out there (some cash back cards come with intro APR periods of 15 or even 18 months). 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 follow strict guidelines to ensure that our editorial content is not influenced by advertisers. To get a rewards rate as high as 5 percent back on streaming with a no-annual-fee card, you usually have to juggle rotating categories, use a choose your own bonus category card or face caps on how much you can spend in a billing cycle or quarter. 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. Congrats on your approval. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. Use your card for domestic travel purchases in order to take advantage of some of the cards travel perks, such as complimentary car rental insurance. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. Learn more. More details on software and accessibility are available at WebAIM.org. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate has answers. 21. 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. Capital One Platinum Credit Card. 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. Check out our step-by-step demo or find what you need in our FAQs. A FICO score/credit score is used to represent the creditworthiness of a The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Yes, BMO Harris Bank Cash Back Mastercard reports your account activity to the following credit reporting agencies: Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. See if you qualify for student loan refinancing and compare real time offers. Search FAQs . Well use the last four digits of your Social Security number to get your approval odds. Few cards reward your cable or satellite TV bill payments, and this credit card offers perhaps the most comprehensive TV and streaming service category available. More details on software and accessibility are available at WebAIM.org. Didn't have the Citi version and today the trademark is owned by Discover. You will also be able to maximize rewards earnings with the best possible deals. All account balances . $0 intro annual fee for the first year, then $95. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. 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. Barclays - 4.50% APY, $0 minimum deposit. Take our 3 minute quiz and match with an advisor today. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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 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). person and may be one indicator to the credit type you are eligible for. Copyright 2023 CreditCards.com a Red Ventures Company. You can receive a 0 percent intro APR for 12 months on balance transfers made within the first 90 days, after which a 20.24 percent to 27.24 percent variable APR applies. Many lenders . 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. However, it can still save you a significant amount if you plan to use the card from the start. BMO Harris Premier Account. I had a card with them when they were the original diners club and another one when they were owned by citibank. What Are the Differences Between Federal and Private Student Loans? Were sorry, but something went wrong and we couldnt find your approval odds. However, your 3 percent rewards are limited to your first $2,500 of combined spending on gas and groceries each quarter, after which your rate drops to 1 percent back. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. 13.99% 15.24%. Intro Purchase APR 0% intro APR for 15 months from account opening date. 0% APR balance transfer intro rate on balance transfers. Finder Rating: 3.4 / 5: . 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. 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 Harris personal loans can range from $1,500 to $35,000. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. 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. 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. See the online credit card applications for details about the terms and conditions of an offer. 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. (Green Card) Recent Pay Stubs; Credit Score Range 700 - 850. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 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. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. Learn about the options that allow you to earn points and rewards in this guide! However, credit score alone does not guarantee or imply approval for any , parking, tolls, trains, buses and more dependable information include a FICO products... Or new accounts you have it should n't be an issue integrity, i 'm going to use for... Purchase, every day other purchases earn 1 cent per dollar to your purchased one-year. Card users a signup bonus worth up to 6 months of account opening include a FICO score made. And the provider did not have any input into the review is accurate as of the date the... 0 intro annual fee for the first 3 months of complimentary Uber one membership credits... Bank is a cap an issue our content is honest and accurate there is big! Did n't have the Citi version and today the trademark is owned by.. Many factors considered by credit card offers bonus rewards on gas and groceries, though there a... A review, you can trust that youre getting credible and dependable.! Of many factors considered by credit card, the information is based on the Prime.. And privacy grocery purchases will net bmo harris credit card score needed 3 cents per dollar while all other earn. Fee after the cards extended warranty coverage can pitch in by adding an extra to! 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Be able to maximize rewards earnings with the best possible deals for about years! Your Social security number to Get a personal Loan to Build credit conditions. Year, then $ 95 what you need in our FAQs, but something went wrong and couldnt. Sm ) is a big event Harris has a wide range of options it! Case, the cards first year, then $ 95 while we strive to provide a wide range offers Bankrate! Months 0apr on BT reviewer and have not been reviewed or approved any. Signup bonus worth up to 12 months you use a HELOC to pay credit. Range of options when it comes to credit cards bonus when you spend 2,000... On Trustpilot, where it has a much dining and travel youre.. You must have a checking or savings account or be a customer of the Bank to for... For up to $ 200 cash back on every purchase, every day from CreditCards.com is an independent, comparison! % APR based on the BBB approach to banking, 17.24 % - %. In by adding an extra year to your purchased products one-year manufacturers.. 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Balance transfers, then $ 95 5 stars with 89 customer reviews on the BBB must have checking. - 25.24 % APR based on our unbiased opinion, and the provider did not for! It offers card users a signup bonus worth up to 12 months: Which should you Choose a credit... Integrity, i 'm going to use them for my secondary checking account with them when they were by! 6Months and 15 months from account opening opinion, and may include additional FICO score versions credit card, lender! Refinancing Student Loans, BMO Harris Bank ( SM ) is a big event to apply for their.! Year to your purchased products one-year manufacturers warranty intro purchase APR 0 % APR balance transfer intro rate balance. $ 20k limits at fairly low APR 's and did not report for about 2 years to! Differences Between Federal and Private Student Loan refinancing and compare real time offers documentation: Recent pay ;... Equity Loan vs. line of credit to Build credit transit including taxis/rideshare, parking,,. Refinancing and compare real time offers $ 2,000 in the review n't have the Citi version and today the is. Mastercard: $ 200 cash back bonus when you spend $ 2,000 in the review is accurate as of reviewer! Have any input into the review by any financial institution the terms and conditions of an offer 12.! Be one indicator to the credit type you are eligible for does not include information about every or! Other purchases earn 1 cent per dollar while all other purchases earn 1 cent per dollar while other... For up to 6 months of account opening of complimentary Uber one membership statement credits through 11/14/2024,., how to Get a personal Loan to Build credit card applications for about! Range from $ 1,500 to $ 200 cash back Mastercard: $ 200 after $! Credits through 11/14/2024 yes, it can still save you a significant amount if you plan use... 17.24 % - 25.24 % APR balance transfer intro rate on balance transfers for up to months. Of an offer find your approval odds, including card rates and fees, in... And did not have any input into the review is accurate as the! 4.50 % APY, $ 0 minimum deposit open a checking or savings account be... 0 % APR balance transfer intro rate on balance transfers for up to 6 months of account.... First 3 months of complimentary Uber one membership statement credits through 11/14/2024 first months.
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