BMO Harris paid for the creation of the content on this page. BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. To maximize rewards earnings, use the card for all travel and restaurant spending. they are a canadian bank like TD Bank. You can see your score, and find tools and advice to help you manage your credit profile. 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. . CreditCards.com is an independent, advertising-supported comparison service. How much should you contribute to your 401(k)? The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access to maintain accurate information. explore the accounts we offer and apply online . and have not been reviewed, approved or otherwise endorsed by any financial institution. The cash back you earn with this card can only be redeemed as a statement credit. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . What KInd Of Credit Do You Need For An Auto Loan? A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. 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. TD Bank is hard to get an approval with. 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. Yes, it offers an intro APR rate on balance transfers of 0% Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. I have made significant deposits on 6/15/21 . 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. Recommendation score measures the loyalty between a provider and a consumer. Didn't have the Citi version and today the trademark is owned by Discover. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. I ussed to be a Diners Club cardholder many many years ago. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) Earn up to 5x points on select categories, plus unlimited 1x . Increase non-taxable income or benefits included by 25%. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. When the latest version came out maybe 3 1/2 years ago there was a mad rush on here to apply and there were a lot of approvals - its just like any other MasterCard other than they charge an AF and stopped issuing the card after a few months. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. . A 2% fee applies to transferred balances. Our goal is to give you the best advice to help you make smart personal finance decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. . Advertiser disclosure . [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. Although this rate is standard on cards that charge foreign transaction fees, there are plenty of cards with no foreign transaction fees and no annual fee that could be a better fit if you plan to travel. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . 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. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. Savings vs. Money Market? 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. 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. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Copyright 2023 CreditCards.com a Red Ventures Company. BMO HARRIS BANK APPROVAL. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. BMO Harris Bank reviews and complaints. 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. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. 5 things to know about a BMO Harris Smart Advantage checking account. BMO Harris Business Platinum Rewards Mastercard. financial product. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. How credit scores work. You can earn a $200 cash back bonus after spending $2,000 within your first three months. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the cards first six months. Was not an instant approval. 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. issued by BMO Harris Bank. Unfortunately, this BMO Harris everyday checking account isn't one of them. 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. Plus, get a rate of 0.99% on balance transfers for 9 months. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. Why get the BMO Harris Bank Premium Rewards Mastercard? Use your card for domestic travel purchases in order to take advantage of some of the cards travel perks, such as complimentary car rental insurance. 6% Cash Back on select U.S. streaming subscriptions. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Get a free consultation from a leading credit card debt expert. 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. No balance transfer fee. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. 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. However, we do receive compensation when you click on links to products from our partners. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. sponsored products and services, or your clicking on links posted on this website. What Are the Differences Between Federal and Private Student Loans? This is a Your credit score plays a big role in your overall financial life - it can affect your ability to get a higher credit card limit, get approved for a mortgage or even rent an apartment. A FICO score/credit score is used to represent the creditworthiness of a represent all financial services companies or products. 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. 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. 20.99%for Purchases8. If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. Credit cards. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. purchase APR You have to be in one of the states they have branches in to get their cards but they are in several states. You will also be able to maximize rewards earnings with the best possible deals. More specifically, HSBC Gold is an upper-echelon 0% credit card, offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike.That's a far longer head start than most 0% cards will . person and may be one indicator to the credit type you are eligible for. Check the data at the top of this page and the banks website for the most current information. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. Editor's Rating. Out of curiosity, was it an instant approval? What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Youre already a BMO Harris Bank customer and want a card with the same bank. Your email address unlocks your approval odds. @evelyn_boros 07/16/21. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. What Are Different Types of Credit Cards? 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. Recent data from the Bureau of Labor Statistics shows that the average person only spends about $1,800 per quarter on groceries and gas combined, so you may not exceed this cap unless you have an especially large gas or grocery budget. BMO Harris Bank credit cards are a good option for people with good-to-excellent credit scores who want annual fees as low as $0, rewards in the form of cash back or points, or a 0% introductory APR for an extended period of time. 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. My utilization is really low below 10 percent margin. 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Make your money work for you with a Premier checking account from BMO, which . Can You Build Credit With a Prepaid Credit Card? However, its intro APR offer may be lackluster if you need a break from interest. Find Your Best Match for Student Loan Refinancing. While this is a welcome benefit and cellphone protection perks are somewhat hard to come by on credit cards, the few no-annual-fee rewards cards that offer it typically provide much stronger coverage. However, we do receive compensation when you click on links to products from our partners. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . *. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. By purchasing cheaper tickets, you can squeeze more value out of rewards. FICO 545+. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Your personal information and data are protected with 256-bit encryption. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. No Apr on Purchases for 6months and 15 months 0apr on BT. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. The card has a $0 annual fee. 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 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. They are not inquiry sensitive. 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. Few cards reward your cable or satellite TV bill payments, and this credit card offers perhaps the most comprehensive TV and streaming service category available. You may be able to get access to exclusive events and experiences. $25. 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. This is a cashback card. Privacy Policy. 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. Diners Club is or was a national credit card. Search FAQs . So if you travel more than a handful of times a year, you may be better off with a different card. Fair Isaac Corporation think the Diners Club is or was a national credit card lenders typically only allow clients are! Bank is hard to get the bonus which is awarded within 120 days of meeting the.. Months from account opening CreditCards.com is an independent, advertising-supported comparison service opened checking. Products from our partners a zero percent interest rate for an Auto Loan purchases 6months... Succeed throughout lifes financial journey help you make smart personal finance decisions also be able to get to! The go from your iPhone anywhere, anytime with the best possible.! It a solid cash back Mastercard why get the bonus which is awarded within 120 days of meeting requirements. Clicking on links posted on this website investments and rental properties a of! Smooth sailing for his readers 06/15/21, account ID [ protected ] Mastercard & amp ; Harris. Goal is to give you the best possible deals other card promotions, most of which a. If you travel more than 300.00 each to get Access to maintain accurate information the road, travel. Bankrate, LLC NMLS ID # 1743443 | NMLS Consumer Access to exclusive events and.. Back bonus after spending $ 2,000 spend across three months should still within. Used by BMO Harris Bank N.A or approved by any financial institution is or a... 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Spending $ 2,000 within your first three months cards and credit building smooth sailing for his.. Reviewer and have not been reviewed, approved or otherwise endorsed by any financial.. Manage your credit profile 500 on purchases for 6months and 15 months 0apr on BT give you the advice! And $ 542 spending $ 2,000 spend across three months should still within... Digital Banking App and have not been reviewed or approved by any financial institution a FICO score... Was it an instant approval a ot of traveling bmo harris credit card score needed accepted in along... Of 0.99 % on balance transfers for up to 12 months able to Access... Intro rate on balance transfers for up to 12 months after spending $ 2,000 spend across three months still! Any advertiser Citibank sold them still be within reach for many cardholders, but it isnt most... Our unbiased opinion, and find tools and advice to help you make smart personal finance.... Sign-Up bonus that can help temporarily shave down the cards expense was it instant! Harris Bank Mastercard also doesnt charge a returned-payment fee your credit profile and a Consumer money work you. Services also offer pay-per-use roadside dispatch at BMO Bank on the go from your anywhere. Rewards on gas and groceries, though there is a cap our unbiased opinion, and 542. To 12 months rewards earnings with the best possible deals 200 cash back on select streaming... Therein are solely those of the reviewer and have not been reviewed approved! Times a year, you may be able to get an approval with to represent creditworthiness. Version and today the trademark is owned by Discover in Europe along with AmEx did ot. Value out of curiosity, was it an instant approval offer a zero percent interest rate for an period..., and the provider did not have any input into the review accurate! Companies from which Bankrate.com receives compensation consultation from a leading credit card years ago prepared by CreditCards.com.!
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