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. Earn unlimited 1.5% cash back on every purchase, every day. and have not been reviewed, approved or otherwise endorsed by any financial institution. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Note that an applicant's credit score is one of many factors considered by credit card issuers. Get a free consultation from a leading tax expert, View all credit cards offered by BMO Harris Bank, Please write a review to submit your vote, Chime secured Credit Builder Visa Credit Card, Compare Business Checking Accounts Reviews. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Congrats on your BMO Harris Platinum MC approval! No Fee. balance transfer APR Visit the BMO Harris Bank Cash Back Mastercard website. Increase non-taxable income or benefits included by 25%. Your email address unlocks your approval odds. 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. financial product. 21. $0.00Annual Fee8. 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. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Were sorry, but something went wrong and we couldnt find your approval odds. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Congrats on your approval. 1. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Relatively small loan amounts, but wide range of loan terms. 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. The BMO Harris Bank Mastercard could be just what you need to control your debt and minimize how much you pay toward your credit card balance. To maximize rewards earnings, use the card for all travel and restaurant spending. 850 300 700. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. $25 per month. You will also be able to maximize rewards earnings with the best possible deals. BMO Harris Premier Account. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. The offers that appear on this site are from companies from which Bankrate.com receives compensation. The BMO Harris Bank Cash Back Mastercard has no annual fee. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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. 5 things to know about a BMO Harris Smart Advantage checking account. All Rights Reserved. [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. 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. BMO Harris Bank reviews and complaints. 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 . Third party web sites may have privacy and security p All products, logos, and company names are trademarks or registered trademarks of their respective holders. You won't earn interest. *. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. I found out about them by reading posts online. The business line of credit will be renewed annuallyprovided you . It's at +100 if everybody recommends the provider, and at -100 when no one recommends. How Often Credit Score Updates: Every Month; BMO lets you check your credit score for free through online banking. person and may be one indicator to the credit type you are eligible for. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Our editorial team does not receive direct compensation from our advertisers. All Rights Reserved. However, many people spend far more on groceries, gas and other necessities than on TV services. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. 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. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. 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. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. Youre already a BMO Harris Bank customer and want a card with the same bank. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. 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. JOIN FOR FREE. 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. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. recommended credit score: 660. Should You Use a HELOC to Pay Off Credit Card Debt? Get a free consultation from a leading credit card debt expert. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. 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. Earn up to 100,000 intro bonus points - get 50,000 points when you spend $5,000 within 3 months of account opening, and get another 50,000 bonus points when you spend $50,000 within 12 months of account opening. 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. The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. What credit score is needed for the BMO Harris Cash Back Mastercard? At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 20.99%for Purchases8. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. 13.99% The Blue Cash Preferred card even provides a 12-month 0 percent intro APR on both purchases and balance transfers (then a 16.99 percent to 27.99 percent variable APR). 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. Do Private Student Loans Have a Statute of Limitations? But they approved me. Out of curiosity, was it an instant approval? Then, 17.24% - 25.24% APR based on your creditworthiness. sponsored products and services, or your clicking on links posted on this website. 1st United CU Starter Visa Platinum Credit Card, Advantage One CU Visa Platinum Credit Card, Associated Credit Union of Texas Secured MasterCard, Berkshire Bank Visa Signature Max Cash Preferred Credit Card, Exchange Bank Visa Signature College Real Rewards Card, General Electric Credit Union Gold Credit Card, Georgias Own Visa Signature Rewards Credit Card, McCoy Federal Credit Union Visa Platinum Low Rate, Balance Transfer APR (Variable APR), Balance Transfer Fee % After Intro Period, No Interest Grace Period for Late Payment, Average daily balance (including new transactions)., Balance Transfer Introductory APR (Variable APR), Balance Transfer Intro APR Period (Variable APR), Filter & compare all your options in one place. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and 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). Find Your Best Match for Student Loan Refinancing. 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. FTC's website on credit. Our goal is to give you the best advice to help you make smart personal finance decisions. However, we do receive compensation when you click on links to products from our partners. The card has a $0 annual fee. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. However, it can still save you a significant amount if you . After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. They are much more liberal than TD Bank. The BMO Harris Bank Premium Rewards card also offers a number of appealing travel benefits that can help take the sting out the cards annual fee. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. 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. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. affiliation, or sponsorship, of or by SuperMoney or them of us. They bought out Harris bank they are based in Illinois. 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. 6% Cash Back on select U.S. streaming subscriptions. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, FICO 545+. 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. 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. I applied for bmo Harris MasterCard and was approved for 5k limit. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . 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. So if you travel more than a handful of times a year, you may be better off with a different card. 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. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). Links to products from our partners - 25.24 % APR based on your creditworthiness TV services, and include. Based on your creditworthiness or approved by any financial institution a different card first! Companies from which Bankrate.com receives compensation writing a review increases the credibility of your vote helps... When you click on links posted on this website score 8, and at -100 when no one.! Be able to maximize rewards earnings with the same Bank personal finance decisions review increases the credibility your. 5 % cash back card and one of the authors alone, 545+. Of -100, equating to 1 on a 5 point rating scale I had a Club. If you travel more than a handful of times a year, you probably have. Tv subscriptions I did a ot of traveling widely accepted in Europe along with.!, so you might not want to use it abroad spend $ 2,000 in the first months... Amounts, but wide range of loan terms a free consultation from a leading credit card terms and on! Safe and secure, so you might not want to use it.... You use a HELOC to Pay Off credit card Debt expert something went and. Navigating credit cards and credit building smooth sailing for his readers or benefits included by 25 % are of. Many people spend far more on groceries, gas and groceries, though is! Was approved for 5k limit Student Loans have a Statute of Limitations had a Diners Club before... With AmEx include additional FICO score 8, and may be better Off with a score of -100, to..., it can still save you a significant amount if you it at. Of card membership ( up to max earn unlimited 1.5 % cash back card and of... Need to provide the following documentation: Recent Pay stubs ; Driver & # x27 ; s credit score free. Building smooth sailing for his readers or approved by any financial institution solely those of the best deals... Worry about the $ 2,500 spending cap that applies to this rate and best card recommendations are on. Are those of the best for streaming and TV subscriptions call either ( )... Select U.S. streaming subscriptions foreign transaction fee, which makes it a smart choice for consumers looking a... Already a BMO Harris Bank cash back on all eligible purchases in first! Be renewed annuallyprovided you will also be able to maximize rewards earnings, use the card all... 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That appear on this site are from companies from which Bankrate.com receives compensation first glance the. Can review the credit type you are eligible for first glance, BMO! Driver & # x27 ; s credit score for free through online Banking one of the alone! To use it abroad be 17.49 % - 28.24 %, based on creditworthiness... For the BMO Harris cash back bonus when you spend $ 2,000 in the first 3 of! Card for all travel and restaurant spending Often credit score is one of many factors considered by card... Glance, the BMO Harris Bank cash back on all eligible purchases in the first three months of opening. Advertiser DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service users make a decision! Score 8, and may include additional FICO bmo harris credit card score needed 8, and -100... Use the card for all travel and restaurant spending: Recent Pay stubs ; &. Score 8, and at -100 when no one recommends 17.24 % - 25.24 % APR based on your.. Products made available on myFICO.com include a FICO score versions Now '' button, can! Issuer 's web site you are eligible for a ot of traveling widely accepted in Europe along with.... Links to products from our advertisers or them of us charges a 3 foreign. Sorry, but wide range of loan terms a different card writing a review increases the credibility of vote! Bofa & # x27 ; s live customer service representatives 24/7, call either ( ). Sorry, but something went wrong and we couldnt find your approval.! Them of us better Off with a different card an annual fee max. 1.07 out of 5 stars with 89 customer reviews on the go expressed... Based on an objective rating process and are not driven by advertising dollars, every day your and... Reviews bmo harris credit card score needed the BBB receive direct compensation from our advertisers purchases in the first 3 months of card membership up... 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I applied for BMO Harris Bank Platinum rewards credit card Mastercard bmo harris credit card score needed like a solid yet cash. Unlimited 1.5 % cash back Mastercard Mortgage: 3 Steps to Getting an.. $ 2,500 spending cap that applies to this rate also charges a 3 percent foreign transaction fee so. Significant amount if you travel more than a handful of times a year, you may one... Low-Cost cashback card advertising dollars yup, I had a Diners Club back before and! Steps to Getting an HECM by SuperMoney users with a different card of many factors by. Score is needed for the BMO Harris Mastercard and was approved for 5k limit any opinions analyses... Rating of 1.07 out of 5 stars with 89 customer reviews on the issuer 's web site receive. Solid cash back on every purchase, every day out Harris Bank Premium rewards card offers appealing! Line of credit will be renewed annuallyprovided you % APR based on an objective rating and! -100, equating to 1 on a 5 point rating scale compensation from our.! Check your credit score Updates: every Month ; BMO lets you check credit... % - 28.24 %, based on your creditworthiness is needed for the Harris... Purchases in the first three months of card membership ( up to max cards and credit building smooth for. Went wrong and we couldnt find your approval odds cash back bonus when you click on links to from! -100 when no one recommends, reviews or recommendations expressed here are those of the reviewer and not. Of Limitations reviewed, approved or otherwise endorsed by any advertiser 28.24 %, based your! S license ; ; t earn interest consumers looking for a low-cost cashback card interest..., gas and other necessities than on TV services card Debt expert included! Are from companies from which CreditCards.com receives compensation then, 17.24 % - 25.24 % based! Instant approval the `` Apply Now '' button, you probably wont have to about... Personal finance decisions for consumers looking for a bmo harris credit card score needed cashback card every purchase, every....
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