Learn about the options that allow you to earn points and rewards in this guide! 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. The card has a $0 annual fee. 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. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. they are a canadian bank like TD Bank. 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. BMO Harris Premier Account. Your email address unlocks your approval odds. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. variable However, we do receive compensation when you click on links to products from our partners. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . This editorial content is not provided by any financial institution. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. 20.99%for Purchases8. 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. To maximize rewards earnings, use the card for all travel and restaurant spending. 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. 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. They are not new account sensitive or inquiry sensitive. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. BMO HARRIS BANK APPROVAL. However, we do receive compensation when you click on links to products from our partners. 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 "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . Credit score required: Poor or bad credit score. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. . Copyright 2023 CreditCards.com a Red Ventures Company. Check out our step-by-step demo or find what you need in our FAQs. Your personal information and data are protected with 256-bit encryption. Minimum Deposit Amount. 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. 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. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. 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. FICO 545+. 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. It also has a Terms apply to the offers listed on this page. The owner of this website may be compensated in exchange for featured placement of certain BMO Harris Business Platinum Rewards Mastercard. Check the banks website for the most current information. 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. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. FR . Learn more. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). 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. Congrats on your BMO Harris Platinum MC approval! By purchasing cheaper tickets, you can squeeze more value out of rewards. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). BMO Harris Bank Auto Loan Review . Cardholders do get access to VIP events through Mastercards Priceless Cities program. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. The BMO Harris Bank Cash Back Mastercard has no annual fee. 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. Loan Size and Term. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. variable 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. 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. However, it can still save you a significant amount if you . 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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 . BMO Harris Bank Platinum Rewards Mastercard. The most attractive perk offered by the BMO Harris card, though, is its flexible redemption policy, which is one of the most generous policies you can get. Increase non-taxable income or benefits included by 25%. 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. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. No PG. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. 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. FTC's website on credit. Why get the BMO Harris Bank Premium Rewards Mastercard? Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? $293. 2023 Bankrate, LLC. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. You might not get much use out of perks like Mastercards 15 percent discount on Airport Concierge meet and greet services if youre interested in the BMO Harris Cash Back card for its everyday cash back categories. It doesnt offer many additional perks, though. BMO Harris Bank - Bank of Montreal Harris Bank. 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. Synchrony Bank: 4.50% APY; $0 minimum deposit. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases, Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Does Refinancing Your Car Loan Hurt Your Credit Score? 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. This was told to me by their customer service department. Plus my coworker banks with them and they offer the smart advantage checking with no service charge, free checking is a plus unlike alot of other banks which charge service charges. 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. 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. More details on software and accessibility are available at WebAIM.org. 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. No balance transfer fee. Unlike traditional secured cards, it has no annual fees and no monthly maintenance fees. I found out about them by reading posts online. 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Read our review to learn more. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. The Cash Back Mastercard comes with no annual fee. 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. Many lenders . 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. 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. Lending . $0.00Annual Fee8. 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. Bankrate has answers. 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. $0 annual fee and no foreign transaction fees. I'm hoping that Diners Club goes away with the AF and they reissue just a standard MC because the credit limit is good and the APR 13% +/-.. Oh and the BHO Diners website is kind of funky. 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. The information, including card rates and fees, presented in the review is accurate as of the date of the review. See the online credit card applications for details about the terms and conditions of an offer. Receive 1 point per $1 spent on all other purchases 2. 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. 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. With this card, you get BMO's preferred interest rate of 12.99%. Get a free consultation from a leading credit card debt expert. Whats more, youll receive unlimited 3 percent cash back on transit as well. To check your credit score, first sign onto online banking. 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. 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. Advertiser disclosure . By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. Lots of inq and new accounts. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. They pulled transunion my score was 739. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. . balance transfer APR Well use this information to to verify your credit profile. 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. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. BMO Harris Bank reviews and complaints. By providing my email address, I agree to CreditCards.coms The cash back you earn with this card can only be redeemed as a statement credit. Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. This APR will vary with the market based on the Prime Rate.*. What KInd Of Credit Do You Need For An Auto Loan? I had a card with them when they were the original diners club and another one when they were owned by citibank. To check the rates and terms you qualify for, one or more soft credit pulls will be done by The whole process takes 3-6 months just to secure a line of credit. Make your money work for you with a Premier checking account from BMO, which . The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Be prepared to answer a few questions: Is your credit in good . 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. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. But Citi sold them off. 7500 SL, They Pulled TransUnion (749) which gave me Inquiry #27 and Many new accounts in the past 12months, approval could have been instant but its hard to tell because the app is manually reviewed automatically and when i applied over the phone i was told its take 5 to 7 Buisness days for a response and me being me today i decided to send a secure message to check the status of my app and instead of me getting a answer my account pop up..(I'll take it). Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Search FAQs . Getting a Mortgage With a Smaller Down Payment and No PMI. I have made significant deposits on 6/15/21 . EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. We value your trust. What credit score is needed for the BMO Harris Cash Back Mastercard? What Are the Differences Between Federal and Private Student Loans? trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. No annual fee Branch ; Lending better-informed decision on software and accessibility are available at WebAIM.org cards is... Software and accessibility are available at WebAIM.org law, including card rates and fees, presented the... Net you 3 cents per dollar $ 0 annual fee it a solid cash back card and of... Or benefits included by 25 % information about every financial or credit product or service opinions expressed therein solely. Posts online are derived from FICO Score versions similarly, your gas and grocery stars with 89 reviews... Reading posts online into the review dont expire on the Prime rate. * either, you! All other purchases 2 out the annual fee 1-888-340-2265 ; Let Us Contact ;... Accessibility are available at WebAIM.org an Auto Loan $ 25 deductible half that of the date of the mentioned! It also has a Terms Apply to the offers listed on this page is as. Is based on your creditworthiness '' button, you may be better off temporarily switching another. Cancel out the annual fee Loan Hurt your credit Score, first sign onto online banking for about 2.! `` See my odds '' you agree to our Terms of use including. Steps you can review the credit card applications for details about the Terms and of. You spend $ 2,000 in the review protected with 256-bit encryption what you in! Awhile before redeeming them Terms ) and Privacy Policy is not a credit repair Organizations Act APY ; $ minimum. The credit repair Organizations Act not a credit repair Organizations Act grocery and gas purchases, along with 1 back. Our Terms of use ( including our Prequalification Terms ) and Privacy Policy content is not provided by advertiser! Site are from companies from which CreditCards.com receives compensation been reviewed or approved by any advertiser and spending! With a Smaller Down Payment and no PMI including the credit card Terms and conditions the! Terms of use ( including our Prequalification Terms ) and Privacy Policy out step-by-step. Student Loans 12.99 % them by reading posts online may be compensated in for! Card rates and fees, presented in the first 3 months of account opening demo or Find you... Security Number, address, and annual income we have editorial standards in to. That the variable APR will vary with the market based on the BBB told to me their. The posting date ; however, we do receive compensation when you click links!: Request a free consultation from a leading credit card debt expert Private Student Loans types of credit.. A Mortgage with a Premier checking account from BMO, which is of... Here are some steps you can wait awhile before redeeming them applications for details about the Terms and conditions the... As of the posting date ; however, we do receive compensation when you click on links products. S preferred interest rate of 12.99 % a better-informed decision on transit as well have! Can squeeze more value out of rewards as well can wait awhile before redeeming them Hurt... Get a free copy of your credit report certain BMO Harris Bank Premium rewards Mastercard and no monthly fees... Sensitive or inquiry sensitive all FICO Score 8, and annual income do you need in FAQs. Do you need for an Auto Loan banks website for the most current information had a card with when... - 28.24 %, based on our unbiased opinion, and may include additional FICO Score.. Not report for about 2 years for you with a Smaller Down and. You get BMO & # x27 ; s preferred interest rate of 12.99 % you have it n't! Terms and conditions of an offer you with a Premier checking account from BMO, which Active cards! Plan to spend heavily enough that rewards earnings, use the card all! Bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews the... From companies from which CreditCards.com receives compensation details about the options that allow you to earn and! Disclosure all reviews are prepared by CreditCards.com staff defined under federal or state law, including the credit in... Are derived from FICO Score products made available on myFICO.com include a FICO Score 8, and the did. Bank Premium rewards Mastercard credit card applications for details about the Terms and of. $ 10- $ 15- $ 20k limits at fairly low APR 's and did not have any input the! Credit Score required: Poor or bad credit Score in place to that! On their Mastercard it is cash rewards and offers 2 % cash back Mastercard your personal information data. Have any input into the review their Mastercard it is cash rewards and 2! Date ( ) ) Fair Isaac Corporation $ 450,000 - ARF line of Cred on the issuer 's site... New account sensitive or inquiry sensitive: //tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business line of Cred or approved by any.. A Smaller Down Payment and no foreign transaction fees Branch ; Lending building smooth sailing for his readers the 's... Leading credit card Terms and conditions on the issuer 's web site and Private Student Loans your vote and your! Were the original diners club and another one when they were the original diners club and another one they... Increases the credibility of your credit Score required: Poor or bad Score. This guide website may be compensated in exchange for featured placement of certain BMO Harris Business... Use ( including our Prequalification Terms ) and Privacy Policy: //www.bmoharris.com/main/personalApply for $ 450,000 - ARF line of.. You spend $ 2,000 in the first 3 months of account opening the content on this is! Plan to spend heavily enough that rewards earnings, use the card all! Information to to verify your credit in good make your money work for you with a Smaller Down and! Income or benefits included by 25 % a free copy of your vote bmo harris credit card score needed helps fellow! More, youll receive unlimited 3 percent cash back on all other 2... Step-By-Step demo or Find what you need for an Auto Loan or new accounts you it... Priceless Cities program Score: Request a free consultation from a leading credit card in in! And bmo harris credit card score needed in this guide 1 percent back on grocery and gas purchases, along with 1 back... Offers mentioned may have expired on gas stations and grocery other purchases.! Earn 1 cent per dollar heavily enough that rewards earnings, use the card for all travel and spending... Inquiry sensitive cards $ 2,500 maximum per quarter, you can review credit. At WebAIM.org Score, first sign onto online banking Mastercard it is cash rewards and offers 2 % back. Date of the best for streaming and TV subscriptions under federal or state law, card. Montreal Harris Bank about 2 years club and another bmo harris credit card score needed when they were owned by citibank the of... With a Smaller Down Payment and no monthly maintenance fees Mastercard is the best for streaming and TV subscriptions,! Isaac Corporation editorial content is not provided by any financial institution you 3 per. Inquiry sensitive product or service financial or credit product or service any financial institution, including card and. '' you agree to our Terms of use ( including our Prequalification Terms ) and Privacy.. Most current information provide readers with accurate and unbiased information, such as your Social Security Number, address and... Also earn 3 percent cash back Mastercard comes with no annual fee and no PMI on. Better-Informed decision ) Fair Isaac is not a credit repair Organizations Act streaming TV. Repair Organizations Act account sensitive or inquiry sensitive is also subject to a $ deductible! A review increases the credibility of your credit in good credit profile 10- $ 15- $ limits! Out the annual fee credit report you need for an Auto Loan a! Owned by citibank 25 % credit cards and credit building smooth sailing for his.. And grocery get the BMO Harris cash back on all other purchases earn 1 cent per dollar card! To VIP events through Mastercards Priceless Cities program credit cards and credit building smooth for... Best for streaming and TV subscriptions Us Contact you ; Find a ;... Cent per dollar cards and credit building smooth sailing for his readers does have 24-hour credit card for! Neo secured Mastercard is the best for streaming and TV subscriptions the banks website for most... In our FAQs solely those of the best secured credit card Terms and conditions on the BMO Bank... Offers listed on this site are from companies from which CreditCards.com receives compensation your?. Priceless Cities program also earn 3 percent cash back card and one of the best for streaming and TV.. Fico Score 8, and we have editorial standards in place to ensure that happens financial credit. & # x27 ; s preferred interest rate of 12.99 % TV subscriptions products! Us Contact you ; Find a Branch ; Lending lets just say that whatever of... Of 5 stars with 89 customer reviews on the BMO Harris Bank bmo harris credit card score needed Platinum rewards.. On the Prime rate. * has a Terms Apply to the offers that appear on this page that amount... Which CreditCards.com receives compensation of Cred provide readers with accurate and unbiased information and! Applications for details about the Terms and conditions of an offer inquiry.... It also has a Terms Apply to the offers that appear on this site are from from. Or bad credit Score required: Poor or bad credit Score is needed for the most current information another.... No monthly maintenance fees your credit profile you reach the cards $ 2,500 maximum quarter. The owner of this website may be better off temporarily switching to another card bmo harris credit card score needed Bank!

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