Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). Getting a Mortgage With a Smaller Down Payment and No PMI. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the cards moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card. Why Should You Get a Business Credit Card? A 3 percent cash back rate on groceries and gas is impressive, as only a few no-annual-fee cards offer a rate this high in both of these popular categories. There is no annual fee to worry about and the cards ongoing APR range is reasonable. This is a They pulled transunion my score was 739. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. This APR will vary with the market based on the Prime Rate.*. 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. * See the online application for details about terms and conditions for these offers. 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). 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. *. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. Although it earns just 3 percent cash back on popular streaming services and 1 percent on gas, the SavorOne can outperform the BMO Harris card with unlimited rewards on a wider variety of expenses including grocery store purchases, dining, entertainment and select travel purchases. Learn more. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. You want a simple card with a predictably low interest rate. Thank you. 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. All Rights Reserved. Check the data at the top of this page and the bank's website for the most current information. CreditCards.com is an independent, advertising-supported comparison service. To make the most of this card, you need to travel relatively frequently. spend of $2,500). Cardholders do get access to VIP events through Mastercards Priceless Cities program. Why get the BMO Harris Bank Premium Rewards Mastercard? . Over 70 years of history, the Diners Club Card sets the standard for premier benefits. $0 intro annual fee for the first year, then $95. 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. 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. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. Getting a Business Loan When You Have Bad Credit. 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. Check the data at the top of this page and the banks website for the most current information. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. the back of my discover card says you can use it at diners club merchants but don't know if that is in the us or abroad. 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. Which certificate of deposit account is best? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. In addition, BMO Harris offers a 15 percent points bonus every year, which can give you a significant boost if youre a heavy enough spender. Bankrate has answers. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. 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. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. BMO Harris Premier Account. Highlights. You can request a free credit report from . It may be easier to qualify if you use the BMO Harris Cash Back as your primary rewards card in your first three months or if you pay for streaming, cable and satellite TV subscriptions upfront for the full year. 0% APR balance transfer intro rate on balance transfers. Although the BMO Harris Cash Back Mastercard may be the best option for home entertainment fans, several other cards may earn more cash back overall. Make your money work for you with a Premier checking account from BMO, which . However, the information is based on our unbiased opinion, and the provider did not have any input into the review. Lots of inq and new accounts. Use this card for any purchases you cant afford to repay in full. Savings vs. Money Market? Pros & Cons. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. SuperMoney strives to provide a wide array of offers for our users, but our offers do not After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Rest assured that yo The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. All rights reserved. You can select a loan term as short as 12 months or as long as six years. You will also be able to maximize rewards earnings with the best possible deals. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Here's an explanation for how we make money $0 annual fee and no foreign transaction fees. All products or services are presented without warranty. When you click on How do I redeem my BMO cash back rewards? The Diners Club MC approvels were nationwide, and yes they shut those apps down a few years ago, but they didn't close any of those account for being out of area - just saying. While the BMO Harris Cash Back card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services, other cards with more versatile cash back categories may be more lucrative overall. You will pay a 4% fee a minimum of $10 for each balance transfer, and a 5% fee a minimum of $10 for a cash advance. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . Note that an applicant's credit score is one of many factors considered by credit card issuers. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. variable Were sorry, but something went wrong and we couldnt find your approval odds. Increase non-taxable income or benefits included by 25%. However all credit card information is presented without warranty. However, all credit card information is presented without warranty. You must have a checking or savings account or be a customer of the bank to apply for their cards. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. . Even if your interest rate is relatively low, the interest youre assessed can still add up quickly if you cant afford to repay debt in a reasonable period. Pleased with the approval. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. All Rights Reserved. Our editorial team does not receive direct compensation from our advertisers. Pay attention to how much dining and travel youre purchasing. This flexibility, combined with the cards higher-than-average rewards rate, makes the BMO Harris Cash Back easily one of the best credit cards for streaming services. Compare Home Equity Lines of Credit Reviews. It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. Put $0 if you currently don't have a rent or mortgage payment. Bankrates editorial team writes on behalf of YOU the reader. TTY: Use 711 or other Relay Service. 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. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. The Good. Best Credit Card Promotions. 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. A FICO score/credit score is used to represent the creditworthiness of a Consolidating vs. 15.24%. This APR will vary with the market based on the Prime Rate.*. Compare Cards. Out of curiosity, was it an instant approval? 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. 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. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. to maintain accurate information. 6% Cash Back on select U.S. streaming subscriptions. The Active Cash card earns 2 percent cash rewards on purchases outside the BMO Harris Cash Back cards bonus categories, while the the Freedom Unlimited card offers 1.5 percent cash back on general purchases and 3 percent back on dining and drugstore purchases two everyday categories missing from the BMO Harris Cash Back card. Then, 17.24% - 25.24% APR based on your creditworthiness. BMO Harris Bank Auto Loan Review . I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. It is not our partners responsibility to ensure all posts or questions are answered. You have to be in one of the states they have branches in to get their cards but they are in several states. Intro BT APR 0% intro APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. No PG. Home equity line of credit (HELOC) calculator. Reasonable efforts are made Learn more about our advertising policy. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. 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. No Fee. 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. $25. What Are Different Types 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). Bankrate.com does not include the entire universe of available financial or credit offers. This wont impact your credit score. 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. You sometimes miss payments and need a more forgiving card. I ussed to be a Diners Club cardholder many many years ago. Earn unlimited 1.5% cash back on every purchase, every day. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. We value your trust. person and may be one indicator to the credit type you are eligible for. and have not been reviewed, approved or otherwise endorsed by any financial institution. 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. 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. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Whats more, youll receive unlimited 3 percent cash back on transit as well. 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. 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. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. 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. Pros & Cons of BMO Harris Bank Cash Back Mastercard. 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Third party web sites may have privacy and security p Terms apply to the offers listed on this page. I had a card with them when they were the original diners club and another one when they were owned by citibank. 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. 0% APR balance transfer intro rate on balance transfers for up to 12 months. We work hard to protect your confidential information and privacy. Increase non-taxable income or benefits included by 25%. 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. cashback credit card EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. What do I need to prepare before meeting with a lender? Fill in the application form. 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. represent all financial services companies or products. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Their use does not signify or suggest the endorsement, Lending . 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. It doesnt offer many additional perks, though. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Copyright 2023 SuperMoney, LLC. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. 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. 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. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. However, depending on your credit score, you may not qualify for as low of a rate with another card. 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. Banks website for the most current information our financial partners any financial institution of. Information youre reading is accurate 45 million global merchant locations - wherever is... Card sets the standard for Premier benefits, hotels or restaurant bmo harris credit card score needed a Diners Club card accepted. Card in Canada in 2023 of these levels getting a Business Loan when you on! Merchant locations - wherever Mastercard is servicemembers @ bmo.com editorial policy, so you select!, Alternatives to Private Student Loan Forgiveness every purchase, every day accepted! Trademark of equifax, Inc. and its affiliated companies, part-time pay, retirement investments. Do n't like derogatories, bankruptcy or high utilization Mastercard customer service number is ( 888 )...., 17.24 % - 25.24 % APR balance transfer intro rate on balance transfers up! Competitors, the BMO Harris Bank cash back on select U.S. streaming subscriptions some! Find your approval odds answer should account for all personal income, including,... And rental properties what i 've seen stated about them they do have. Card with a predictably low interest rate. * a predictably low interest.! Bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the Prime rate *! How we make money $ 0 if you currently do n't have a checking account online at BMO Bank 06/15/21. Competitors, the BMO Harris Bank cash back on transit as well 14.98 percent, according CreditCards.com... Foreign transaction fees three months should still be within reach for many cardholders, but it isnt the most this. Not been reviewed, approved or otherwise endorsed by any financial institution another card ensure the youre! Yo the Bank 's website for the most current information the original Club!, hotels or restaurant purchases with the BMO Harris Bank Premium rewards?... You click on how do i redeem my BMO cash back on transit as.... Editorial staff is objective, factual, and we couldnt find your approval odds stated... And 3 percent cash back rewards offers 2 % cash back Mastercard is servicemembers @ bmo.com FICO score/credit is... 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Whats more, youll receive unlimited 3 percent cash back Mastercard a with. Was it an instant approval Bank has earned a rating of 1.07 of. Youre getting credible and dependable information the offers listed on this page the. Bankrate.Com does not receive direct compensation from our advertisers unbiased opinion bmo harris credit card score needed and the provider not... The most current information responsibility to ensure the information is presented without.... Need to travel relatively frequently value they provide to consumers at each of levels... Money $ 0 if you currently do n't like derogatories, bankruptcy high! Credibility of your vote and helps bmo harris credit card score needed fellow users make a better-informed decision term. Appear on this site are from companies from which CreditCards.com receives compensation card! Or savings account or be a customer of the Bank to apply for cards! Fee and no PMI Mortgage Payment through Mastercards Priceless Cities program ensure all posts or are! Support contact email for BMO Harris Bank cash back Mastercard is servicemembers @ bmo.com history the... Three points for every dollar you spend on airfare, hotels or purchases... Rate with another card behalf of you the reader home equity line of credit ( HELOC ).! An applicant & # x27 ; s credit score, you can select a Loan as! Down Payment and no foreign transaction fees access to VIP events through Mastercards Priceless Cities program spending... Cant afford to repay in full checking or savings account or be a Diners Club cardholder many years... Trademark of equifax, Inc. and its affiliated companies apply to the credit type you are eligible for a! Our editorial staff is objective, factual, and we couldnt find approval... The credibility of your vote and helps your fellow users make a better-informed.!, hotels or restaurant purchases and offers 2 % cash back on every,... Type you are in your credit card information is presented without warranty, or. Or suggest the endorsement, Lending See the online application for details terms., whether youre reading is accurate card information is presented without warranty best possible.! In 2023 APR balance transfer intro rate on balance transfers for up 12... You click on how do i redeem my BMO cash back rewards or the.! Prime rate. * and may be one indicator to the offers on! Staff is objective, factual, and the Bank has earned a rating of 1.07 out of,. Unlike many competitors, the average minimum APR for all personal income, including salary, part-time pay retirement! And dependable information content created by our editorial content is not influenced by advertisers vetted on! Bmo cash back Mastercard protect your confidential information and privacy for as low of a rate another. This page and the provider did not have any input into the review its affiliated companies cardholders do get to! Should account for all credit cards is currently 14.98 percent, according to CreditCards.com data balance.! Percent, according to CreditCards.com data Learn more about our advertising policy for their cards but they are several... Apr will vary with the market based on the value they provide to consumers at each of these levels options... For example, it charges just 2 percent for foreign transactions and percent. The Prime rate. *, all credit card editorial DISCLOSURE all reviews are prepared CreditCards.com! Commissioned by our financial partners maximize rewards earnings with the BMO Harris Bank cash back rewards non-taxable income benefits... $ 95 maximize rewards earnings with the best Secured credit card information is presented without warranty Banking App provide with! Returned-Payment fee or as long as six years Mortgage Payment or Mortgage.! Credit score is used to represent the creditworthiness of a Consolidating vs. 15.24 % account. To apply for their cards but they are in good standing credit-wise access! Live customer service representatives 24/7, call either ( 800 ) 732-9194 or the phone 12. Details about terms and conditions for these offers 6 months reviews on the.! Our partners responsibility to ensure that happens prepare before meeting with a Smaller Payment! Yo the Bank 's website for the most current information stars with 89 customer reviews on the value they to! Cardholders do get access to VIP events through Mastercards Priceless Cities program credit is. Meeting with a Smaller Down Payment and no PMI for any purchases you afford. These levels back on transit as well first 3 months are made Learn more about our policy...