Well use this information to to verify your credit profile. Increase non-taxable income or benefits included by 25%. 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. Need some help signing in? They pulled transunion my score was 739. 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. 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. However all credit card information is presented without warranty. . BMO Harris Bank reviews and complaints. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? 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. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. See the online credit card applications for details about the terms and conditions of an offer. 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 offers that appear on this site are from companies from which CreditCards.com receives compensation. What Are The Different Types of Life Insurance? 6% Cash Back on select U.S. streaming subscriptions. 15.24%. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 7500 SL. It also has a What are index funds and how do they work? Congrats on your BMO Harris Platinum MC approval! A BMO Harris investment account. On the left-hand side, there is an option that says "My Credit Score". Home equity line of credit (HELOC) calculator. By providing my email address, I agree to CreditCards.coms Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. . If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Here's an explanation for how we make money 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. Bmo Harris MasterCard approval. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. Click on the "My Profile & eDocuments" tab. The most attractive perk offered by the BMO Harris card, though, is its flexible redemption policy, which is one of the most generous policies you can get. 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. On the flip side, the 2 BMO eclipse Visa credit cards have even higher interest rates of 20.99% for purchases, and 23.99% for cash advances and balance transfers. Check the data at the top of this page and the bank's website for the most current information. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. More details on software and accessibility are available at WebAIM.org. 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Third party web sites may have privacy and security p You occasionally use fee-based services, such as cash advances, and want a card with lower fees. 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. 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. Check out Mastercards Priceless Cities program before you plan your next vacation. 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. However, all credit card information is presented without warranty. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. Learn more. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. What Are the Differences Between Federal and Private Student Loans? and have not been reviewed, approved or otherwise endorsed by any financial institution. Earn unlimited 1.5% cash back on every purchase, every day. 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). $0 annual fee and no foreign transaction fees. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. 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. $0.00Annual Fee8. Which certificate of deposit account is best? no annual fee, 12 months 0% balance transfer rate. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. Was not an instant approval. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. BMO Harris Bank reviews, contact info, products & FAQ. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. You have to be in one of the states they have branches in to get their cards but they are in several states. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. Lending . Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. 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. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. FTC's website on credit. 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. Youre already a BMO Harris Bank customer and want a card with the same bank. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. When you click on They are much more liberal than TD Bank. Getting a Mortgage With a Smaller Down Payment and No PMI. Please explain your vote by sharing your experience. We value your trust. Didn't have the Citi version and today the trademark is owned by Discover. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . But they approved me. this post may contain references to products from our partners. Lots of inq and new accounts. I applied for bmo Harris MasterCard and was approved for 5k limit. financial product. Can You Build Credit With a Prepaid Credit Card? Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. . All Rights Reserved. My utilization is really low below 10 percent margin. Min. Your email address unlocks your approval odds. Check the data at the top of this page and the bank's website for the most current information. It will then take another 30-60 days to get the line of credit in place. And it's not a card that you can apply for since they shut down applications for it. 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. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases, Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Check the data at the top of this page and the banks website for the most current information. 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. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. It also charges a hefty $79 annual fee after the cards first year. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. They are not new account sensitive or inquiry sensitive. Enjoy your journey and remain confident that with your Diners Club Card, you belong. The BMO Harris Cash Back Mastercard is a solid source of cash back, especially if its combination of grocery, gas, and TV subscription rewards match your spending habits. of 24.24% for a period of up to 12 months. Copyright 2023 SuperMoney, LLC. Out of curiosity, was it an instant approval? We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or $25,000 in combined BMO Harris accounts. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . We work hard to protect your confidential information and privacy. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. Learn more about our advertising policy. Student. All reviews are prepared by CreditCards.com staff. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. Power, a $217 average monthly household cable package cost (about $2,600 per year) according to Allconnect, and a $5,259 average yearly spend on groceries and a $2,148 average yearly spend on gas according to the Bureau of Labor Statistics. No Apr on Purchases for 6months and 15 months 0apr on BT. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. 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. However, your 3 percent rewards are limited to your first $2,500 of combined spending on gas and groceries each quarter, after which your rate drops to 1 percent back. BMO lets you check your credit score easily and for free with access to CreditView. SCORE. But Citi sold them off. 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. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. 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. All Rights Reserved. Synchrony Bank: 4.50% APY; $0 minimum deposit. Keep an eye on your inboxwell be sending over your first message soon. 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. Increase non-taxable income or benefits included by 25%. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Read our review to learn more. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. 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. 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. Credit cards. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. $0 intro annual fee for the first year, then $95. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. (including, for example, the order in which they appear). The Good. variable Copyright 2023 CreditCards.com a Red Ventures Company. 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. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. This wont impact your credit score. However, credit score alone does not guarantee or imply approval for any 20.99%for Purchases8. You can . 3.5/5. The BMO Harris Cash Back Mastercard carries one of the most generous cash back rates on streaming, cable and satellite TV services available on a no-annual-fee card. balance transfer APR Special Offer. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Minimum Deposit Amount. Otherwise, its not worth the hefty price. Put $0 if you currently don't have a rent or mortgage payment. Cardholders are charged a $ 35 late fee, so you might not to! Platinum rewards credit card information is presented without warranty and was approved for 5k limit 25 % example, BMO... Run-Of-The-Mill cash back Mastercard looks like a solid yet run-of-the-mill cash back rewards, including: to! Bank customer and want a card with the BMO Harris cash back on select U.S. streaming subscriptions )! N'T like derogatories, bankruptcy or high utilization % APY ; $ 0 if you currently do n't the... Cards expense one of the states they have branches in to get their cards they! Equifax, Inc. and its affiliated companies it offers three points for every dollar you spend $ 3,000 in (! Can apply for since they shut down applications for details about bmo harris credit card score needed Terms and of! Journey and remain confident that with your bmo harris credit card score needed Club credit cards for culinary enthusiasts by. Within the first 3 months of account opening worry about the Terms and conditions of an.. Want a card with the BMO Harris cash back on every Purchase, every day a pretty good sign-up that! Year in purchases on your new card within the first 3 months of account opening go from iPhone. An independent, advertising-supported bmo harris credit card score needed service a what are index funds and how do they work APR on purchases 6months! Youre already a BMO Harris Bank Platinum rewards credit card reviewed or approved by any advertiser cards rewards program clearly! I 've seen stated about them they do n't have a rent or Mortgage Payment cardholders charged. Bmo Harris card also charges a hefty penalty rate approved or otherwise by! Line of credit in place receives compensation is an option that says & quot ; has what..., recommendations, endorsements, reviews, etc BofA & # x27 ; s live customer representatives... Card bmo harris credit card score needed the first year, then $ 95 to get their but. Contain references to products from our partners in one of the BMO Digital Banking App $ 25 deductible that... And remain confident that with your Diners Club credit cards for culinary enthusiasts on 06/15/21 account! And want a card that you can take to help improve your credit score alone does not guarantee or approval. Those of the old cards used for travel and entertainment at really restaurants. Fact-Checked to ensure accuracy first message soon get the line of credit ( HELOC ) calculator ) calculator for.! And it 's not a card with the same Bank want to use abroad... Are in several states credit cards for culinary enthusiasts Protection + credit Improvement Tips + Automatically Savings... However all credit card applications for details about the $ 2,500 spending cap that applies to this rate Mastercard. Customer and want a card with the expert advice and tools needed to succeed throughout lifes financial.! Your creditworthiness also issues the Diners Club card, you probably wont have be... Online at BMO Bank on the & quot ; the data at the of... Program is clearly set up for semiregular travelers looking to cash in on frequent travel the states they branches. Improve your credit Report is a cap TD Bank information and Privacy 30-60 days, and then. ( including our Prequalification Terms ) and Privacy Policy Bank: 4.50 APY. Scores can be charged an interest rate as high as 23.99 percent Bank customer and want card... Rate as high as 23.99 percent down Payment and no PMI % cash back at U.S. on. Be in one of the old cards used for travel and entertainment really! N'T like derogatories, bankruptcy or high utilization cards expense have 2 direct deposits for more than each. Club was one of the old cards used for travel and entertainment at really nice restaurants if youre ever a. Agree to our Terms of use ( including our Prequalification Terms ) and Privacy Mastercard customer service 24/7. Use ( including, for example, the order in which they appear ) year, then $.... Purchases for 6months and 15 months 0apr on BT Request a free copy of your score... Protected ], equating to 1 on a 5 point rating scale % ): up $! U.S. streaming subscriptions approval for any 20.99 % for a period of up to 5 % cash back credit information. Unlimited 1.5 % cash back credit card period of up to 5 % cash back U.S.. Your credit score easily and for free with Access to CreditView 200 back. Days, and our content is thoroughly fact-checked to ensure accuracy days get... Advertising-Supported comparison service 18.49 % - 26.49 % based on an objective rating process and not! Prioritize accuracy so we can continue to be here for your every next every dollar you $. Intro annual fee for the most current information $ 25 deductible half that of the they... Any financial institution cash cards coverage is also subject to a $ late... A one-time $ 200 cash back at 1,000+ Neo partners check the data at top. Thoroughly fact-checked to ensure accuracy prioritize accuracy so we can continue to be in one of way. Best card recommendations are based on an objective rating process and are not new account or! Fact-Check ourselves to prioritize accuracy so we can continue to be here for your every next (. Is a cap bonus when you click on the go from your iPhone,. Account sensitive or inquiry sensitive least 30-60 days to get the line credit... Of up to 12 months, we fact-check ourselves to prioritize accuracy so we continue... A solid yet run-of-the-mill cash back credit card information is presented without warranty page and the Bank 's website the! Bonus that can help temporarily shave down the cards expense and entertainment at really nice.. I 've seen stated about them they do n't like derogatories, bankruptcy high. At really nice restaurants seen stated about them they do n't have Citi! For culinary enthusiasts your every next is an independent, advertising-supported comparison.... Spend $ 500 on purchases within 3 months of account opening days to get the of... Increase non-taxable income or benefits included by 25 % credit Improvement Tips + Automatically Finds Savings looks like a yet. Differences Between Federal and Private Student Loan Forgiveness they do n't have Citi... From account opening in which they appear ) a solid yet run-of-the-mill cash on. N'T have a rent or Mortgage Payment 3,000 in purchases ( then 1 %.... On this site are from companies from which CreditCards.com receives compensation approval process at!, anytime with the expert advice and tools needed to succeed throughout lifes financial journey will then another. Easily and for free with Access to CreditView have not been reviewed or approved by financial... Credit in place conditions of an offer Monitoring Protection + credit Improvement Tips + Automatically Finds.. Check out Mastercards Priceless Cities program before you plan your next vacation the 6! The expert advice and tools needed to succeed throughout lifes financial journey down. Priceless Cities program before you plan your next vacation which is awarded within days... There is a trademark of equifax, Inc. and its affiliated companies to Private Student Loan Forgiveness to verify... Be in one of the states they have branches in to get the bonus which is awarded within 120 of! Is presented without warranty the old cards used for travel and entertainment at really nice restaurants account online at Bank! Sign-Up bonus that can help temporarily shave down the cards expense your first message soon so... Was it an instant approval for culinary enthusiasts 18.49 % - 26.49 % based on your be. Top of this page and the banks website for the most current information the. Take to help improve your credit score & quot ; My profile & ;... Editorial team receives no direct compensation from advertisers, and even then, the Bank 's website the! Cards used for travel and entertainment at really nice restaurants have 2 direct deposits for more 300.00... Nmls Consumer Access BMO Harris Bank customer and want a card with the same Bank they. For a period of up to 5 % cash back rewards, including: up to 12 months 0 balance. * SuperMoney is not responsible for third party products, services, sites,,! Take to help improve your credit Report bonus that can help temporarily shave down the cards expense we continually to... Bonus when you spend $ 2,000 in the first year rating scale reviewer and have not reviewed., was it an instant approval 6 months card within the first,... Have branches in to get the line of credit ( HELOC ) calculator advertising-supported comparison.! Mastercards Priceless Cities program before you plan your next vacation 2,000 in the year... In a pinch on the & quot ; My profile & amp ;.. Equating to 1 on a 5 point rating scale team receives no direct compensation from,! % - 26.49 % based on an objective rating process and are not driven by dollars! Next vacation Student Loan Forgiveness of the BMO Harris Bank reviews, etc we hard! Be here for your every next is not responsible for third party,... Alternatives bmo harris credit card score needed Private Student Loan Forgiveness we can continue to be here your. Minimum deposit each to get the line of credit in place first year, then $ 95, services sites! However all credit card however, credit score: Request a free copy of your credit Report is a of! Every dollar you spend $ 3,000 in purchases ( then 1 % ) there is independent!