BMO Harris Premier Account. $0.00Annual Fee8. Thank you. Highlights. Must have 2 direct deposits for more than 300.00 each to get the bonus which is awarded within 120 days of meeting the requirements. 0% APR balance transfer intro rate on balance transfers. This means you earn a percentage of your purchases as cash back rewards. Pay attention to how much dining and travel youre purchasing. How Often Credit Score Updates: Every Month; BMO lets you check your credit score for free through online banking. I ussed to be a Diners Club cardholder many many years ago. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. 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. There arent that many rewards cards that offer triple points on both hotels and airfare, though, so if you can afford the annual fee, it may be worth keeping this card around for your first $2,500-worth of quarterly trips. SCORE. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. person and may be one indicator to the credit type you are eligible for. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. I found out about them by reading posts online. 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. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. No balance transfer fee. Bankrate.com is an independent, advertising-supported publisher and comparison service. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). (21.99% for Quebec residents)8. learn more. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Our goal is to give you the best advice to help you make smart personal finance decisions. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. The cash back you earn with this card can only be redeemed as a statement credit. It's no longer processed on it's own network like American Express. Credit cards. 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. In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the card's first six months. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. 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. What do I need to prepare before meeting with a lender? BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. SuperMoney strives to provide a wide array of offers for our users, but our offers do not How much should you contribute to your 401(k)? They are not inquiry sensitive. The information, including card rates and fees, presented in the review is accurate as of the date of the review. You can access the BMO Harris Bank Cash Back Mastercard login page here. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. BMO lets you check your credit score easily and for free with access to CreditView. Note: Annual percentage yields (APYs) shown are as of . 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. They bought out Harris bank they are based in Illinois. My utilization is really low below 10 percent margin. However, if you choose a product and continue your application at a 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. 4.6. Last four digits of your Social Security number, BMO Harris Bank Premium Rewards Mastercard review, J. D. Power 2020 customer satisfaction rating, Do Not Sell or Share My Personal Information, Google Play Store mobile app rating: 4.3/5, 15% yearly bonus on annual eligible purchases, Redeem for travel, merchandise, gift cards or statement credits, Can purchase airfare from outside sites and redeem for statement credit, Bonus spending limited to $2,500 per quarter, Cant transfer points to other loyalty programs. They pulled transunion my score was 739. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. It also charges a hefty $79 annual fee after the cards first year. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. But Citi sold them off. Recent data from the Bureau of Labor Statistics shows that the average person only spends about $1,800 per quarter on groceries and gas combined, so you may not exceed this cap unless you have an especially large gas or grocery budget. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Here's an explanation for how we make money In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. Visit the BMO Harris Bank Cash Back Mastercard website. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The card has a Can a First-Time Home Buyer Get a Jumbo Loan? When you click on 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. 1-855-825-9237 1-262-780-8658 (outside U.S.) . Well use the last four digits of your Social Security number to get your approval odds. 0.01% on balances of $0.01+. Be prepared to answer a few questions: Is your credit in good . The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. Your personal information and data are protected with 256-bit encryption. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. 2022) Credit Score Needed: Good FICO Score (about 670 or above). 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. It also has a BMO Harris Bank Platinum Mastercard . The offers that appear on this site are from companies from which CreditCards.com receives compensation. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. This flexibility, combined with the cards higher-than-average rewards rate, makes the BMO Harris Cash Back easily one of the best credit cards for streaming services. I'm going to use them for my secondary checking account. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. A Red Ventures company. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. strongly not recommended Enjoy your journey and remain confident that with your Diners Club Card, you belong. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. What to do when you lose your 401(k) match, eligible streaming, cable and satellite TV services, Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards Credit Card, California Consumer Financial Privacy Notice. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. This compensation may impact how and where products appear on this site BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. This is a Find Your Best Match for Student Loan Refinancing. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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. Minimum Deposit Amount. BMO Harris has a wide range of options when it comes to credit cards. Limit how much you spend in the cards first six months. 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. When you click on Bmo Harris MasterCard approval. Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. 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. Compare Home Equity Lines of Credit Reviews. Does Refinancing Your Car Loan Hurt Your Credit Score? 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). In addition, the BMO Harris Bank Mastercard offers some standard credit card perks, such as car rental insurance, travel assistance and an extended warranty on purchases. MasterRental can save you money by standing in for vehicle rental services collision and damage protection and cover your rental vehicle if its damage or stolen. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. The whole process takes 3-6 months just to secure a line of credit. Getting ready to close some comenity cards next. The BMO Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access You can see your score, and find tools and advice to help you manage your credit profile. Learn more. Getting a Business Loan When You Have Bad Credit. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. 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. Whats more, youll receive unlimited 3 percent cash back on transit as well. However, depending on your credit score, you may not qualify for as low of a rate with another card. 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 rewards frequent travelers with triple bonus points on dining, hotel and airfare, making it easy to quickly rack up points with your most expensive purchases. 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. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. Earn up to 5x points on select categories, plus unlimited 1x . But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. See if you qualify for student loan refinancing and compare real time offers. Lots of inq and new accounts. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? editorial integrity, 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. 15.24%. 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. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. 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. Make your money work for you with a Premier checking account from BMO, which . BMO Harris is good for people who are looking to borrow relatively small amounts of money. No Fee. The information, including card rates and fees, presented in the review is accurate as of the date of the review. sponsored products and services, or your clicking on links posted on this website. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. 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For you with a competitive APR and relatively low fees my utilization is really low below 10 margin!
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