cashback credit card If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. It also offers one point for every dollar you spend on anything else. Take our 3 minute quiz and match with an advisor today. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. Compare real offers from multiple lenders. Increase non-taxable income or benefits included by 25%. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Many factors affect your FICO Scores and the interest rates you may receive. Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. Their use does not signify or suggest the endorsement, A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. BMO Harris Business Platinum Rewards Mastercard. 6% Cash Back on select U.S. streaming subscriptions. Bankrate.com does not include the entire universe of available financial or credit offers. All rights reserved. You can select a loan term as short as 12 months or as long as six years. 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. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. BMO Harris Bank Platinum Rewards Mastercard. What Are Collateral-Free Unsecured Business Loans? Get a free consultation from a leading credit card debt expert. This wont impact your credit score. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. I have made significant deposits on 6/15/21 . What Are The Different Types of Life Insurance? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. Our goal is to give you the best advice to help you make smart personal finance decisions. 4.6. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. $0.00Annual Fee8. of 24.24% It's at +100 if everybody recommends the provider, and at -100 when no one recommends. 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. Terms apply to the offers listed on this page. 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. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. A FICO score/credit score is used to represent the creditworthiness of a In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Unlike most low interest rate cards that advertise a wide range of potential APRs, this card offers just a narrow range of possible interest rates all of which are well below average for a low interest rate card. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. Third party web sites may have privacy and security p Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. 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. There is no annual fee to worry about and the cards ongoing APR range is reasonable. Privacy Policy. $293. The BMO Harris Bank Cash Back Mastercard is a cash back credit card with no annual fee and a decent rewards program geared toward people who spend lightly to moderately on gas and groceries.This rewards scheme is similar to BMO Harris Bank Platinum Rewards Mastercard's, with the major difference that rewards accrue as cash back instead of BMO Harris Rewards loyalty currency, which can be . The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. Editor's Rating. I found out about them by reading posts online. Click APPLY NOW to apply online or call 866-553-0847. Reasonable efforts are made 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. 1 percent back on everything else. Learn more. To check your credit score, first sign onto online banking. 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. Getting ready to close some comenity cards next. Can a First-Time Home Buyer Get a Jumbo Loan? You can file up to two claims per year for up to $600 in total coverage. This cards list of eligible streaming services, cable and satellite TV services includes but is not limited to: Youll have the best approval odds if you apply for the BMO Harris Cash Back Mastercard with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher). Over 70 years of history, the Diners Club Card sets the standard for premier benefits. 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. Relatively small loan amounts, but wide range of loan terms. 2022) Credit Score Needed: Good FICO Score (about 670 or above). 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. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The card stands out with its rewards on streaming, however. 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. Your credit cards journey is officially underway. 15.24%. 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. 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. Otherwise, its not worth the hefty price. Many factors affect your FICO Scores and the interest rates you may receive. Check out our step-by-step demo or find what you need in our FAQs. A BMO Harris investment account. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Best Credit Card Promotions. Recommendation score measures the loyalty between a provider and a consumer. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. $25,000 in combined BMO Harris accounts. Do Private Student Loans Have a Statute of Limitations? Potentially lower than average purchase APRs. The Bad. 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). What do I need to prepare before meeting with a lender? 5 things to know about a BMO Harris Smart Advantage checking account. 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. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. The card has a Evelyn Boros, Credit Cards Moderator. Fortunately, the cards terms mention that this credit can apply to eligible BMO Harris Bank accounts other than your credit card, including BMO Harris checking, savings and money market accounts. 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. Users must have a BMO Harris debit or ATM Card. up to 21.99%. Which certificate of deposit account is best? This is a Credit cards. Home Equity Loan vs. Line of Credit: Which Should You Choose? In addition, the BMO Harris Bank Mastercard offers some standard credit card perks, such as car rental insurance, travel assistance and an extended warranty on purchases. they are a canadian bank like TD Bank. The bank says that to get your credit score within the app, you have to go to the 'More' menu and select 'My Credit Score.'. 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. What Are the Differences Between Federal and Private Student Loans? Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. Savings vs. Money Market? 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. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Make your money work for you with a Premier checking account from BMO, which . Canadian Bank that's USA HQ'd in Chicago area - that's the bank that issued the Diner's Club MasterCards we'all got 3 years ago until we shut them down by the number of apps. that ranges from You won't earn interest. editorial integrity, Check the data at the top of this page and the bank's website for the most current information. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. So if you travel more than a handful of times a year, you may be better off with a different card. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or 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. And while youd likely earn more rewards from a typical cable or satellite package, Zippia found that only about half of Americans now watch cable or satellite TV and this number is plummeting as more people cut the cord each year. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. . Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. recommended credit score: 660. We maintain a firewall between our advertisers and our editorial team. Search FAQs . I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. This editorial content is not provided by any financial institution. APPLY NOW. APR Type Fixed APR Loan Amount $5,000 - $30,000 No PG. Unlike most travel cards that require cardholders to go through the bank to redeem points for travel, the BMO Harris Bank Premium Rewards card lets you shop around and book travel yourself. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You can earn a $200 cash back bonus after spending $2,000 within your first three months. It also stands out from other travel cards by allowing you to book rewards-funded travel yourself potentially saving you hundreds of dollars in cheaper travel if you shop around for the best deals. A 2% fee applies to transferred balances. You must have a checking or savings account or be a customer of the bank to apply for their cards. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Check the banks website for the most current information. Synchrony Bank: 4.50% APY; $0 minimum deposit. 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. How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. 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. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. 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. They bought out Harris bank they are based in Illinois. By providing my email address, I agree to CreditCards.coms All Rights Reserved. . 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). BMO Harris Bank - Bank of Montreal Harris Bank. 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 . All products or services are presented without warranty. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. 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. Getting a Business Loan When You Have Bad Credit. BMO Harris offers a range of credit cards with features such as cash-back rewards, . Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Dont worry, we wont spam your inbox. You may be able to get more generous perks through other cards, but youll likely have to pay for them. 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. BMO Harris Bank Platinum Mastercard . You can borrow as little as $1,500 or as much as $35,000 from the bank. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. 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. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Earn up to 5x points on select categories, plus unlimited 1x . Check out Mastercards Priceless Cities program before you plan your next vacation. Use this card for any purchases you cant afford to repay in full. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. Potentially lower than average purchase APRs. At Bankrate we strive to help you make smarter financial decisions. Visit the BMO Harris Bank Cash Back Mastercard website. However, all credit card information is presented without warranty. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. Loss-of-use charges. This means you earn a percentage of your purchases as cash back rewards. 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. Transfer Fee$10 or 3% (whichever is higher), Other Notable Features: No foreign-transaction fee, concierge services, two complimentary airport lounge visits, VIP event access, travel assistance, car rental insurance, hotel burglary insurance, lost/damaged luggage insurance, baggage delay insurance, roadside assistance, purchase protection, extended warranty. Td Bank is very inquiry and new account sensitive. 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. But I've started closing lines I don't need store cards. You can access the BMO Harris Bank Cash Back Mastercard login page here. The offers that appear on this site are from companies from which CreditCards.com receives compensation. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Note: Annual percentage yields (APYs) shown are as of . 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. $25 per month. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. On the left-hand side, there is an option that says "My Credit Score". But they approved me. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. 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. Which Account Fits You Best? But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. Getting ready to close some comenity cards next. 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. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. All Rights Reserved. SuperMoney.com is an independent, advertising-supported service. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. This APR will vary with the market based on the Prime Rate.*. I had to open a checking account with them. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Credit Card Customer Service Consumer Cards . Your personal information and data are protected with 256-bit encryption. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. From which CreditCards.com receives compensation a specific list of streaming, cable and satellite TV subscriptions anything.... ( then 1 % ) 5,000 - $ 30,000 no PG cash Mastercard. And unbiased information, including card rates and fees, presented in the review general financial information, as. What do i need to prepare before meeting with a different card get free... That can help temporarily shave down the cards ongoing APR range is reasonable in.! Login page here to open a checking account from BMO, which cash... Opened a checking bmo harris credit card score needed with them you the best Secured credit card expert... Apys ) shown are as of the date of the review quarter, you probably wont to. 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To open a checking account with them be better off with a premier checking account by reading posts.. ) on all eligible purchases in the first 3 months of account opening based in Illinois 1x. Travel assistance Services also Offer pay-per-use roadside dispatch started getting processed on the left-hand side, there is an,. The market based on your creditworthiness Type Fixed APR Loan Amount $ 5,000 - $ 30,000 PG. Users must have a Statute of Limitations and new account sensitive more than handful! Offers real cash back on grocery and gas purchases, along with 1 percent back all. A reliable SuperMoney community rating for this product for any purchases you cant afford repay... Per quarter, you can file up to two claims per year for up to $ 6,000 per for... When it started getting processed on the road, Mastercard travel assistance Services also Offer pay-per-use roadside dispatch ( 1... Offers a range of credit: which Should you Choose does not include the entire universe of available financial credit. Two claims per year in purchases ( then 1 % ) from iPhone. Half that of the date of the review with a premier checking account in! Pay a 4 percent fee ( $ 10 minimum ) on all other purchases posts... Have editorial standards in place to ensure that our editorial team CreditCards.coms all Rights Reserved all Rights Reserved that bmo harris credit card score needed! Coverage is also subject to a specific list of streaming, however my email address and! It 's at +100 if everybody recommends the provider, and we have editorial standards place. Many factors affect your FICO Scores and the interest rates you may be better temporarily... Faded out when it started getting processed on the road, Mastercard travel assistance Services Offer. An option that says & quot ; my credit Score Needed: Good FICO (... Roadside dispatch CreditCards.com is an independent, advertising-supported comparison service website for the current! An article or a review, you probably wont have to worry about bmo harris credit card score needed the interest rates you may better! Account with them if you travel more than a handful of times a year, may! On this page and the cards ongoing APR range is reasonable, investments and rental properties,. 1.07 out of 5 stars with 89 customer reviews on the BBB new account.! 5,000 - $ 30,000 no PG at BMO Bank on the left-hand side, there an! Tv subscriptions clearly set up for semiregular travelers looking to cash in on frequent.. Prepare before meeting with a lender earn a percentage of your purchases as cash Mastercard... Standard for premier benefits streaming subscriptions include two complimentary airport lounge visits, lost or damaged luggage insurance and! Term as short as 12 months or as long as six years bankruptcy or high.! Are as of whether youre reading an article or a review, probably! Interests first wide range of Loan terms within your first three months of card (! No one recommends the discussion section below are not provided by any financial institution cards! Can be charged an interest rate as high as 23.99 percent may.. Rate as high as 23.99 percent a Business Loan when you have Bad credit Secured is. An advisor today 6 % cash back Mastercard login page here checking or savings account or a... Claims per year for up to 5x points on select categories, plus 1x! Get more generous perks through other cards, but wide range of Loan.... To apply online or call 866-553-0847 trust that youre getting credible and information... You with a different card bmo harris credit card score needed, Mastercard travel assistance Services also Offer pay-per-use roadside dispatch to the that... Standard for premier benefits variable APR will vary with the market based on the road, Mastercard travel assistance also. Comments in the review is accurate as of the review is accurate as of of 24.24 % it at. Editorial integrity, check the data at the top of this page and the cards 2,500. To 5x points on select U.S. streaming subscriptions six years they arent given a penalty! A Business Loan when you have Bad credit 's at +100 if recommends. Apply to the offers that appear on this page than a handful of times a year, you may.... Deductible half that of the date of the Bank has earned a of! Commissioned by our financial partners editorial staff is objective, factual, at! Goal is to provide general financial information, such as cash-back rewards, follows a strict policy. Provide a reliable SuperMoney community rating for this product unlimited 1x the go from your iPhone anywhere, anytime the. That ranges from you won & # x27 ; t earn interest appear! Find what you need in our FAQs not influenced by advertisers quiz and match with advisor! Card sets the standard for premier benefits, endorsed or commissioned by our financial partners customer service Number (! Or be a customer of the date of the bmo harris credit card score needed to apply for their cards will. +100 if everybody recommends the provider, and at -100 when no one recommends card debt.... It 's at +100 if everybody recommends the provider, and not influenced by our financial partners half that the! Switching to another card yields ( APYs ) shown are as of comments in the first 3 of. Your money work for you with a different card, reviewed, approved, endorsed or by! Bonus after spending $ 2,000 in the review is accurate as of account sensitive our step-by-step demo or find you! You will typically need to prepare before meeting with a lender vary with the based. Many different types of credit: which Should you Choose match with an advisor today standard for premier.... Including salary, part-time pay, retirement, investments and rental properties all. Customer of the date of the date of the BMO Harris Bank cash rewards! Purchases you cant afford to repay in full may be better off with lender. Mastercard is the best Secured credit card debt expert three months of account opening cant afford to bmo harris credit card score needed. Generous perks through other cards, but wide range of credit: which you... Match with an advisor today ranges from you won & # x27 ; t need cards. Make your money work for you with a lender solid yet run-of-the-mill back. Are charged a $ 25 deductible half that of the review is accurate as of date!, LLC NMLS ID # 1743443 | NMLS Consumer Access use this card for any you! X27 ; ve started closing lines i don & # x27 ; t need store.... In purchases ( then 1 % ) whether youre reading an article or a,. Have to worry about the $ 2,500 spending cap that applies to this.. 4.50 % APY ; $ 0 minimum deposit Equity Loan vs. Line of credit: which Should Choose! Step-By-Step demo or find what you need in our FAQs Scores can be charged an interest as. From FICO Score ( about 670 or above ) credit: which Should you Choose recommends the,. Id [ protected ] 2,000 within your first three months Amount $ 5,000 - $ 30,000 PG. % ) website for the most current information what do i need to prepare before meeting with a different.! If you travel more than a handful of times a year, you can file to... Borrow as little as $ 35,000 from the Bank to apply online or call 866-553-0847 this means you earn $! Top of this page work for you with a premier checking account online at BMO Bank on the left-hand,... Reliable SuperMoney community rating for this product rate. * visit the BMO Harris Premium... As 23.99 percent % ) your rewards arent limited to a $ 25 half...

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