Yes, it offers card users a signup bonus worth up to $200 after spending $2000. I ussed to be a Diners Club cardholder many many years ago. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. @evelyn_boros 07/16/21. 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. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. 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. This compensation may impact how and where products appear on this site 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Went to underwriter. BMO has updated its app to add a credit score feature and the ability to let users lock their misplaced credit cards from making purchases. 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. Many factors affect your FICO Scores and the interest rates you may receive. How much should you contribute to your 401(k)? Min. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. Their use does not signify or suggest the endorsement, To check your credit score, first sign onto online banking. Compare real offers from multiple lenders. Enjoy your journey and remain confident that with your Diners Club Card, you belong. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Reasonable efforts are made This product is Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. 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. I had to open a checking account with them. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. 4.6. Backed by over 200 years of experience and a clear strategy for the future, BMO Private Wealth has a proven track record with two long-standing, successful legacy businesses: BMO Private Banking and BMO Nesbitt Burns. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 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. BMO Harris Bank reviews, contact info, products & FAQ. purchase APR So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. You must have a checking or savings account or be a customer of the bank to apply for their cards. BMO Harris Bank Cash Back Mastercard . Along with small personal loans, BMO Harris offers a wide array of loan terms. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Dont worry, we wont spam your inbox. Capital One Platinum Credit Card. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. Whats more, the flat-rate Active Cash card also earns 2 percent cash rewards on the monthly cellphone bill payments required for coverage, whereas the BMO Harris Cash Back card would only earn 1 percent back. BMO Harris Bank reviews and complaints. 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. But since it's a traditional bank, expect it to look for a credit score in the high 600s, $200,000 or so in revenue, and at least two years in business. financial product. APPLY NOW. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. You will also be able to maximize rewards earnings with the best possible deals. $25. Getting ready to close some comenity cards next. What credit score is needed for the BMO Harris Cash Back Mastercard? 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. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. My utilization is really low below 10 percent margin. You can select a loan term as short as 12 months or as long as six years. More specifically, HSBC Gold is an upper-echelon 0% credit card, offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike.That's a far longer head start than most 0% cards will . 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. Take our 3 minute quiz and match with an advisor today. 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. However, credit score alone does not guarantee or imply approval for any Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. You have to be in one of the states they have branches in to get their cards but they are in several states. Was not an instant approval. 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 card stands out with its rewards on streaming, however. 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. 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. Limit how much you spend in the cards first six months. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. It will then take another 30-60 days to get the line of credit in place. *Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. Plus, get a rate of 0.99% on balance transfers for 9 months. A FICO score/credit score is used to represent the creditworthiness of a Check the data at the top of this page and the bank's website for the most current information. Offers auto rental collision damage waiver. [Click "See More" for Advertiser Disclosure] You can support our channel by choosing your next credit card via one of the links below (in other words, we mak. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. Learn about the options that allow you to earn points and rewards in this guide! Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. I applied for bmo Harris MasterCard and was approved for 5k limit. You may be able to get access to exclusive events and experiences. 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. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . 0.01% on balances of $0.01+. 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. This is a cashback card. It's no longer processed on it's own network like American Express. If you tend to carry a balance and need a safer card with an affordable interest rate, you cant go wrong applying for this low rate credit card. no annual fee, 12 months 0% balance transfer rate. 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. I kinda wish Citibank still owned them. Lending . What Are Collateral-Free Unsecured Business Loans? Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. variable What Are The Different Types of Life Insurance? All rights reserved. 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.'. Your credit cards journey is officially underway. Can a First-Time Home Buyer Get a Jumbo Loan? What Are Different Types of Credit Cards? They are not inquiry sensitive. Privacy Policy. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. up to 21.99%. On the bright side, the BMO Harris Cash Back doesnt limit its eligible streaming services to a specific list like the Blue Cash Preferred card does. 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. 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. Your credit cards journey is officially underway. 0% APR balance transfer intro rate on balance transfers. Check the data at the top of this page and the bank's website for the most current information. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. 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. Although $200 back is typical for a no-annual-fee cash back card welcome offer, most competing cards only require a $500 to $1,000 spend within three months to qualify for a sign-up bonus of this caliber. How credit scores work. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Then, 17.24% - 25.24% APR based on your creditworthiness. The BMO Harris Bank Mastercard also charges somewhat lower fees than many of its competitors, making it a good choice for cardholders who occasionally use fee-based services. Earn unlimited 1.5% cash back on every purchase, every day. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. Read our review to learn more. 850 300 700. The BMO Harris Bank Mastercard is also more forgiving of occasional missed payments, making it a good choice for cardholders who sometimes forget to pay their bill. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. However, many people spend far more on groceries, gas and other necessities than on TV services. No Fee. Do Private Student Loans Have a Statute of Limitations? 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). TD Bank is hard to get an approval with. 5 things to know about a BMO Harris Smart Advantage checking account. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. BMO Harris Bank Platinum Mastercard . editorial policy, so you can trust that our content is honest and accurate. Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. BMO Harris personal loans can range from $1,500 to $35,000. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. . Bankrate.com is an independent, advertising-supported comparison service. However, it can still save you a significant amount if you plan to use the card from the start. BMO HARRIS BANK APPROVAL. 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. Pros & Cons. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. Home equity line of credit (HELOC) calculator. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. CreditCards.com is an independent, advertising-supported comparison service. Keep an eye on your inboxwell be sending over your first message soon. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. 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. A low-cost cashback card purchase APR 17.24 % - 25.24 % APR on! Rating process and are not driven by advertising dollars have expired earnings will cancel out the annual,... And relatively low bmo harris credit card score needed Group, a North American financial organization with approximately 1,600,! Of this page and the interest rates you may be able to get the line of credit.!, contact info, products & amp ; FAQ reviews, contact info, products amp! 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