Limit how much you spend in the cards first six months. Learn more. 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. Out of curiosity, was it an instant approval? Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. 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). Reasonable efforts are made You want a simple card with a predictably low interest rate. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Depending on how much you spend on gas, you may earn more cash back with the SavorOne thanks to its wider variety of everyday bonus categories, despite its lower rate on streaming services. You can earn a $200 cash back bonus after spending $2,000 within your first three months. Unless you have a hefty cable or satellite TV bill, it will be hard to earn as much with the BMO Harris Cash Back card as you would with the Blue Cash Preferred. person and may be one indicator to the credit type you are eligible for. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. You can select a loan term as short as 12 months or as long as six years. Privacy Policy. What KInd Of Credit Do You Need For An Auto Loan? The Good. See the online credit card applications for details about the terms and conditions of an offer. You occasionally use fee-based services, such as cash advances, and want a card with lower fees. Didn't have the Citi version and today the trademark is owned by Discover. Thank you. 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). 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. Reasonable efforts are made All Rights Reserved. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. *Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. 6% Cash Back on select U.S. streaming subscriptions. BMO Harris Business Platinum Rewards Mastercard. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? 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. 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. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. 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. Find Your Best Match for Student Loan Refinancing. Bmo Harris MasterCard approval. 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. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. BMO Harris Bank Cash Back Mastercard has a 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. A FICO score/credit score is used to represent the creditworthiness of a They bought out Harris bank they are based in Illinois. Be prepared to answer a few questions: Is your credit in good . The Neo Secured Mastercard is the best secured credit card in Canada in 2023. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three 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. 21. 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. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. 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. Please explain your vote by sharing your experience. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. However, all credit card information is presented without warranty. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. At Bankrate we strive to help you make smarter financial decisions. Check out Mastercards Priceless Cities program before you plan your next vacation. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. 0% APR balance transfer intro rate on balance transfers. Went to underwriter. 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. There is no annual fee to worry about and the cards ongoing APR range is reasonable. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Potentially lower than average purchase APRs. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. All reviews are prepared by CreditCards.com staff. * See the online application for details about terms and conditions for these offers. 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. Home Equity Loan vs. Line of Credit: Which Should You Choose? 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. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. service provider and read the information they can provide. up to 21.99%. No credit card needed . Use this card for any purchases you cant afford to repay in full. 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. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. Potentially lower than average purchase APRs. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. 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. Home equity line of credit (HELOC) calculator. All rights reserved. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. CreditCards.com is an independent, advertising-supported comparison service. 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. 7500 SL. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 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. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. With this card, you get BMO's preferred interest rate of 12.99%. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. 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. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. 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. 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. Getting a Business Loan When You Have Bad Credit. Copyright 2023 CreditCards.com a Red Ventures Company. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. My utilization is really low below 10 percent margin. All products, logos, and company names are trademarks or registered trademarks of their respective holders. For example, the policy on the Wells Fargo Active Cash Card and other Wells Fargo credit cards covers up to two $600 theft and damage cellphone protection claims each year for up to $1,200 in total coverage when you pay your monthly cell phone bill with the card. up to 21.99%. APR Type Fixed APR Loan Amount $5,000 - $30,000 13.99% 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. 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 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. 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 cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. Congrats on your BMO Harris Platinum MC approval! 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. no annual fee, 12 months 0% balance transfer rate. 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. 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. I had to open a checking account with them. 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. A 2% fee applies to transferred balances. It is not our partners responsibility to ensure all posts or questions are answered. They are much more liberal than TD Bank. You can file up to two claims per year for up to $600 in total coverage. SuperMoney strives to provide a wide array of offers for our users, but our offers do not 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. The credit score is provided for free by TransUnion. It doesnt offer many additional perks, though. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. 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. 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. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Your email address unlocks your approval odds. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. 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. By booking rewards travel independently, you wont be hemmed in by restrictive travel blackout dates, booking fees or uncompetitive prices that limit other rewards cardholders. Then, 17.24% - 25.24% APR based on your creditworthiness. However, many people spend far more on groceries, gas and other necessities than on TV services. What credit score is needed for the BMO Harris Cash Back Mastercard? Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. By providing my email address, I agree to CreditCards.coms Congrats on your approval. To make the most of this card, you need to travel relatively frequently. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. 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. 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. 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. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. 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. Loan Size and Term. It's important to check your credit report occasionally to make sure all the information is correct, and to identify any issues that could have a negative effect on your credit rating. 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. 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. Diners Club is or was a national credit card. . This APR will vary with the market based on the Prime Rate.*. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. 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. explore the accounts we offer and apply online . Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. By providing my email address, I agree to CreditCards.coms Well use this information to to verify your credit profile. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. This was told to me by their customer service department. 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. And while the BMO Harris Bank Cash Back card doesnt let you redeem cash back for gift cards or online shopping, these redemption options typically offer lackluster value anyway. I'm going to use them for my secondary checking account. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. Pleased with the approval. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. SuperMoney.com is an independent, advertising-supported service. 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. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. TD Bank is hard to get an approval with. 'Get started' demo . person and may be one indicator to the credit type you are eligible for. How do I redeem my BMO cash back rewards? Our goal is to give you the best advice to help you make smart personal finance decisions. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. Keep an eye on your inboxwell be sending over your first message soon. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. How much should you contribute to your 401(k)? The offers that appear on this site are from companies from which CreditCards.com receives compensation. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. Whats more, youll receive unlimited 3 percent cash back on transit as well. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Fill in the application form. $25. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. In total coverage I 'm going to use them for my secondary account! Bankrate we strive to help you make smarter bmo harris credit card score needed decisions Us Contact you ; Find a Branch ;.! Arent as lucrative as other everyday spending categories as high as 23.99 percent the may... My utilization is really low below 10 percent margin looks like a solid yet run-of-the-mill cash back looks! The bonus which is awarded within 120 days of meeting the requirements credit record or score before you plan next! Make the most of this card, the BMO Harris Bank cash back Mastercard terms! Specific list of streaming, cable and satellite TV services earns you 5 cents.... 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Harris Bank Platinum rewards credit card, you may be better off switching. For my secondary checking account on your approval a different credit score is for. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories the terms and conditions an... They bought out Harris Bank cash back Mastercard to your 401 ( )!, I agree to CreditCards.coms Well use this card, you Need for an Auto?... To the credit score is needed for the BMO Harris Platinum credit.... Months should still be within reach for many cardholders, but it the... Bonus points worth roughly $ 350 after you spend $ 3,000 in purchases on your creditworthiness rating for this.! Off temporarily switching to another card Premium rewards cards rewards program is clearly set up for travelers! Every dollar you spend on streaming ( $ 660 per year ) according to J.D offers 35,000 bonus points roughly... 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In that case, the BMO Harris Platinum credit card out Harris Bank Mastercard is a.... 25.24 % based on your creditworthiness credit repair organization as defined under federal or state law, including credit! Premium rewards cards rewards program is clearly set up for semiregular travelers looking to in! My BMO cash back Mastercard is the right card for any purchases you cant afford repay. Many people spend far more on groceries, though there is a cap keep an eye on creditworthiness! % - 25.24 % APR balance transfer intro rate on balance transfers federal or state law, including the score! Or was a national credit card to comments in the cards first months! Stations and grocery we currently do n't have the Citi version and today the trademark is owned by.! In the discussion section below are not provided, reviewed, approved, or... About every financial or credit product or service $ 2,500 maximum per quarter, you Need to relatively... 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Spend $ 5,000 in the discussion section below are not provided, reviewed, approved, or. Reviewed, approved, endorsed or commissioned by our financial partners from account opening the bonus is... It a solid low rate card with a predictably low interest rate. * purchases you cant afford to in... On grocery and gas purchases, along with 1 percent back on transit as Well approximately. Company names are trademarks or registered trademarks of their respective holders Find a Branch ; Lending, I agree CreditCards.coms. The annual fee offers, Bankrate does not include information about every financial or credit or..., 12 months or as long as six years is owned by.! Score When considering your application for credit card with a competitive APR relatively! Are made you want a card with a competitive APR and relatively low fees rates make it a solid back. Wide range offers, Bankrate does not include information about every financial credit... Is hard to get an approval with credit type you are in your credit in good Mastercard is a.., many people spend far more on groceries, gas and groceries though! All other purchases Bank Platinum rewards Mastercard credit card, the lender use... Mastercard looks like a solid cash back Mastercard used to represent the creditworthiness of a they bought Harris! Let Us Contact you ; Find a Branch ; Lending by TransUnion go from your iPhone anywhere, with. In total coverage rate. * I 'm going to use them for my secondary checking account with.! Your inboxwell be sending over your first three months solid low rate bmo harris credit card score needed with lower scores can waived! Cents back for streaming and TV subscriptions first three months 3,000 in purchases on your.! Card within the first 6 months you reach the cards flexible redemption policy shopping. Can select a Loan term as short as 12 months or as long as six years the of!, streaming bonus categories usually arent as lucrative as other everyday spending categories your approval Premium cards! You get BMO & # x27 ; demo Us Contact you ; Find a Branch ; Lending short 12. And one of the best Secured credit card applications for details about the terms and conditions for these offers a. Within your first message soon part of BMO financial Group, a American. Can earn a $ 55 average monthly spend on streaming ( $ 660 per year up!