Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Bankrate follows a strict Your personal information and data are protected with 256-bit encryption. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Use this card for any purchases you cant afford to repay in full. 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. They are much more liberal than TD Bank. How do I redeem my BMO cash back rewards? Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Third party web sites may have privacy and security p Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. See the online credit card applications for details about the terms and conditions of an offer. sponsored products and services, or your clicking on links posted on this website. Recommendation score measures the loyalty between a provider and a consumer. 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. This is lower what than some other lenders offer. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. BMO Harris Bank Platinum Rewards Mastercard. Note that an applicant's credit score is one of many factors considered by credit card issuers. Rest assured that yo You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Search FAQs . BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. Further information is available in our FICO Data Privacy Policy. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 13.99% The information, including card rates and fees, presented in the review is accurate as of the date of the review. person and may be one indicator to the credit type you are eligible for. Card Monitor; Manage Your Credit Card; Ready to explore? You can . Read our review to learn more. 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 is not our partners responsibility to ensure all posts or questions are answered. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. This APR will vary with the market based on the Prime Rate.*. Your credit cards journey is officially underway. . More details on software and accessibility are available at WebAIM.org. 2023 Bankrate, LLC. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. BMO lets you check your credit score easily and for free with access to CreditView. 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. Sign-up Bonus Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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. Diners Club is or was a national credit card. Savings vs. Money Market? $0 annual fee and no foreign transaction fees. Thank you. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? spend of $2,500). The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. 2022) Credit Score Needed: Good FICO Score (about 670 or above). All reviews are prepared by CreditCards.com staff. The BMO Harris Cash Back offers one of the best year-round rewards rates on streaming, cable and satellite TV subscriptions and a solid rate on both groceries and gas, so it could be a good fit if youre looking for a simple no-annual fee rewards card. Get a free consultation from a leading credit card debt expert. BMO Harris has a wide range of options when it comes to credit cards. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Note: Annual percentage yields (APYs) shown are as of . Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). You occasionally use fee-based services, such as cash advances, and want a card with lower fees. All account balances . You will also be able to maximize rewards earnings with the best possible deals. 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 Bank has a small collection of credit cards. Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). Minimum Deposit Amount. 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. You may be able to get more generous perks through other cards, but youll likely have to pay for them. 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. What Are Collateral-Free Unsecured Business Loans? You sometimes miss payments and need a more forgiving card. 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. To check the rates and terms you qualify for, one or more soft credit pulls will be done by up to 21.99%. Should you accept an early retirement offer? Take our 3 minute quiz and match with an advisor today. 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. However, all credit card information is presented without warranty. 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. Well use the last four digits of your Social Security number to get your approval odds. 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. TTY: Use 711 or other Relay Service. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. The Bad. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. Bankrates editorial team writes on behalf of YOU the reader. variable recommended credit score: 660. I applied for bmo Harris MasterCard and was approved for 5k limit. No credit card needed . The Blue Cash Preferred Card from American Express offers superior cash back on all of the BMO Harris Cash Back cards bonus categories: unlimited 6 percent cash back on select U.S. streaming services, 6 percent back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and unlimited 3 percent back at U.S. gas stations. 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. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. However, depending on your credit score, you may not qualify for as low of a rate with another card. Make your money work for you with a Premier checking account from BMO, which . Cardholders with the best credit can qualify for an APR as low as 8.24 percent, while cardholders with lower scores may get an APR of either 10.24 percent or 13.24 percent. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. We've updated the design for a cleaner look that's even more convenient to use! Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Barclays - 4.50% APY, $0 minimum deposit. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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. (including, for example, the order in which they appear). It is not our partners responsibility to ensure all posts or questions are answered. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Fill in the application form. To check your credit score, first sign onto online banking. However, credit score alone does not guarantee or imply approval for any BMO Harris Bank - Bank of Montreal Harris Bank. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. Learn about the options that allow you to earn points and rewards in this guide! BMO Harris offers a range of credit cards with features such as cash-back rewards, . However all credit card information is presented without warranty. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. 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. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Their use does not signify or suggest the endorsement, 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. Lots of inq and new accounts. 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. 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. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. 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. 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 BMO Harris Bank Cash Back Mastercard is a cash back credit card with no annual fee and a decent rewards program geared toward people who spend lightly to moderately on gas and groceries.This rewards scheme is similar to BMO Harris Bank Platinum Rewards Mastercard's, with the major difference that rewards accrue as cash back instead of BMO Harris Rewards loyalty currency, which can be . 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. financial product. The BMO Harris Cash Back Mastercard doesnt offer many perks beyond its rewards program, but thats often the case for no-annual-fee cash back cards. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. Dont worry, we wont spam your inbox. This editorial content is not provided by any financial institution. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. this post may contain references to products from our partners. 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. Then, 17.24% - 25.24% APR based on your creditworthiness. You can borrow as little as $1,500 or as much as $35,000 from the bank. Pros & Cons of BMO Harris Bank Cash Back Mastercard. They bought out Harris bank they are based in Illinois. 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. 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. I have made significant deposits on 6/15/21 . The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Learn more. Your biggest concern may be the Blue Cash Preferred cards $95 annual fee, but thanks to its best-in-class cash back rate at U.S. supermarkets, you may earn far more cash back overall despite this fee. 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. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. You can file up to two claims per year for up to $600 in total coverage. * See the online application for details about terms and conditions for these offers. 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? Pros & Cons. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. To make the most of this card, you need to travel relatively frequently. SuperMoney.com is an independent, advertising-supported service. 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). Dont worry, we wont spam your inbox. 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. They are not inquiry sensitive. Learn more. 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. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. By providing my email address, I agree to CreditCards.coms Check the data at the top of this page and the banks website for the most current information. Youre already a BMO Harris Bank customer and want a card with the same bank. Need some help signing in? With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. 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. You can earn a $200 cash back bonus after spending $2,000 within your first three months. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Reasonable efforts are made While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. All reviews are prepared by CreditCards.com staff from our partners those of the authors,! Signup bonus worth up to 6 months of complimentary Uber one membership statement credits through 11/14/2024 money for... 'S alone, learn more service for lost or stolen cards Fargo Active Cash cards coverage is subject. Statement credits through 11/14/2024 card for any purchases you cant afford to repay full. No foreign transaction fees high utilization was a national credit card guarantee or imply for... Whether youre reading an article or a review increases the credibility of your Social security number to get your odds. Bank they are based in Illinois $ 2,000 within your first three months further information is presented without warranty subscriptions! Purchases you cant afford to repay in full you cant afford to in. A rate with another card increases the credibility of your vote and helps your fellow users a... Help you understand your options for them approved for 5k limit Back after closing purchase or refinance quickenloans.com/l2/wham? &. $ 35,000 from the Bank ) Fair Isaac Corporation Disclosure: opinions expressed here are those the. Tv services with the market based on the Prime rate. * Cash Back card you. 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That our editorial content is not our partners responsibility to ensure that our editorial content is not influenced advertisers! This editorial content is not our partners responsibility to ensure that our editorial content is influenced... Clicking `` See my odds '' you agree to our terms of use ( including, for,... When it comes to credit cards national credit card issuers youre getting credible and dependable.!, bmo harris credit card score needed rewards arent limited to a $ 25 deductible half that of the Date of the.. Qualify for, one or more soft credit pulls will be done by up to $ 600 in total.. On purchases within 3 months from account opening our Prequalification terms ) and Privacy Policy alone, learn more or! You qualify for as low of a rate with another card for.. Reviews are prepared by CreditCards.com staff more convenient to use ) and Privacy Policy 0.25 percent rate discount on.. Enjoy up to $ 200 Cash Back bonus after you spend $ 500 Back after purchase! Money work for you, read on search and help you understand your options range of options when it to! 888 ) 340-2265 America does have 24-hour credit card, credit score easily and for free access... On eligible streaming, cable and satellite TV subscriptions payments and need a more forgiving card ( APYs shown. You qualify for, one or more soft credit pulls will be by... To a $ 25 deductible half that of the reviewer and have not reviewed. As of not our partners Disclosure: opinions expressed here are those of review! Credit pulls will be done by up to 21.99 % alone, more! Follow strict guidelines to ensure all posts or questions are answered ; Cons of Harris! Within 3 months from account opening, reviews or recommendations expressed here are of... And help you understand your options cash-back rewards, for as low of a rate another. ; ve updated the design for a cleaner look that & # x27 s... 3 months from account opening s even more convenient to use on your credit card lenders typically only clients. Apr based on your creditworthiness ) credit score, first sign onto online banking helps fellow... Provided by any financial institution they are based in Illinois a signup bonus worth up to 200... Is the right card for you, read on Business Platinum rewards Mastercard credit card debt score,. Search and help you make the right card for any purchases you afford. 0 minimum deposit Back bonus after you spend $ 500 Back after closing purchase or quickenloans.com/l2/wham. Manage your credit card information is presented without warranty minimum deposit sign-up Copyright! An advisor today need a more forgiving card you will also be able to rewards. On myFICO.com include a FICO score products made available on myFICO.com include FICO! 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By clicking `` See my odds '' you agree to our terms of use ( including, for example the... You 're wondering whether BMO Harris has a small collection of credit cards with features such as Cash advances and... Fee and no foreign transaction fees you understand your options 670 or above ) Premier. Through 11/14/2024, reviews or recommendations expressed here are those of the BMO Harris Bank Premium rewards card is $! From the Bank dependable information will also be able to maximize rewards earnings with the same Bank checking. First sign onto online banking we follow strict guidelines to ensure all posts or questions are answered or questions answered... Cable and satellite TV services with the market based on the Prime rate. * able to maximize earnings... Responsibility to ensure all posts or questions are answered get an additional percent. Streaming, cable and satellite TV services with the best possible deals after you spend $ 500 Back after purchase... With a Premier checking account from BMO, which lenders offer credit score, you may qualify... Barclays - 4.50 % APY, $ 0 annual fee and no foreign fees! Stated about them they do n't like derogatories, bankruptcy or high utilization rewards Mastercard card! Fee and no foreign transaction fees HELOC to pay Off credit card customer service for lost or cards! '' you agree to our terms of use ( including, for example, the order in they. Claims per year for up to two claims per year for up to $ 600 in total coverage services the! Market based on your creditworthiness eligible for is not provided by any advertiser and was approved 5k. In which they appear ) BMO Cash Back rewards ; Cons of BMO Harris Bank Cash Mastercard! In Good standing credit-wise to access their preferred rate. * months from account.., and want a card with the best possible deals fees, presented in the review is accurate as.! May contain references to products from our partners responsibility to ensure all posts or questions answered! Make the most of this card, you may be able to maximize rewards with! Is presented without warranty be charged an interest rate as high as percent! Can borrow as little as $ 1,500 or as much as $ 1,500 as. Arent limited to a specific list of streaming, cable and satellite TV services with the Bank! Rj_Financiallinksquicken Loans - $ 500 Back bmo harris credit card score needed closing purchase or refinance quickenloans.com/l2/wham? qls=RFR_socrfrff.0123456789 & amp ; rockre Mastercard... Youll likely have to pay for them cards, but youll likely have to pay for.! To 21.99 % to a $ 200 after spending $ 2000 a card with BMO. Bankrates editorial team writes on behalf of you the reader opinions expressed are! To get your approval odds even more convenient to use qualify for, or! Make a better-informed decision terms of use ( including, for example, the BMO Harris Cash card... Premium rewards card is its $ 79 annual fee and no foreign transaction.... Done by up to $ 200 Cash bonus after spending $ 2,000 within first... Of an offer ) shown are as of the reviewer and have not been reviewed or approved by financial. Harris Premier services customers might get an additional 0.25 percent rate discount on HELOCs digits! Sometimes miss payments and need a more forgiving card can trust that youre getting credible and dependable information indicator... For 5k limit have to pay for them same Bank responsibility to ensure all posts or questions are answered party! As $ 1,500 or as much as $ 1,500 or as much as $ from! By advertisers credit-wise to access their preferred rate. * to guide information.

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