$0 annual fee and no foreign transaction fees. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. Unlike most other cards that offer rewards on streaming, the BMO Harris Cash Back card also earns bonus rewards on traditional cable and satellite TV services. Went to underwriter. 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. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. This compensation may impact how and where products appear on this site Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. 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. Well use this information to to verify your credit profile. Reasonable efforts are made The BMO Harris Cash Back card doesnt carry high rates or fees. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. Need some help signing in? Congrats on your approval. The information, including card rates and fees, presented in the review is accurate as of the date of the review. However, we do receive compensation when you click on links to products from our partners. 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.'. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. BMO HARRIS BANK APPROVAL. You sometimes miss payments and need a more forgiving card. BMO Harris Bank Cash Back Mastercard has a sponsored products and services, or your clicking on links posted on this website. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. 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. You occasionally use fee-based services, such as cash advances, and want a card with lower fees. BMO Harris Bank Platinum Rewards Mastercard. 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. Lending . Unfortunately, this BMO Harris everyday checking account isn't one of them. A solid selection of products, dependable savings account options and a customer-favorite mobile app are just some of the features that make it one of GOBankingRates' Top Banks of 2023. 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. purchase APR 3.5/5. Well I Joined BMO 3days ago opened a checking and the next day i decided to apply for a card even tho im interested in the PLOCs But i know the underwritting is different so i choose to Build a relationship first by going for their Platinum Mastercard, No Apr on Purchases for 6months and 15 months 0apr on BT. Then, 17.24% - 25.24% APR based on your creditworthiness. BMO Harris has 14 customer reviews on Trustpilot, where it has a . Points, protection and service at home and abroad. $293. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Check the data at the top of this page and the banks website for the most current information. Reverse Mortgages: When Do They Make Sense? They are not inquiry sensitive. Your email address unlocks your approval odds. for a period of up to 12 months. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. Increase non-taxable income or benefits included by 25%. $0.00Annual Fee8. Compare real offers from multiple lenders. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. to maintain accurate information. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . And it's not a card that you can apply for since they shut down applications for it. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. 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. Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the cards $79 annual fee. APR Type Fixed APR Loan Amount $5,000 - $30,000 When you click on Yes, BMO Harris Bank Cash Back Mastercard reports your account activity to the following credit reporting agencies: Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. 7500 SL. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Diners Club is or was a national credit card. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 4.6. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. If you use those services often, you may be able to find a card that nixes some or all of those fees. BMO lets you check your credit score easily and for free with access to CreditView. FICO 545+. APPLY NOW. You can see your score, and find tools and advice to help you manage your credit profile. Plus, get a rate of 0.99% on balance transfers for 9 months. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. variable EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. Bankrates editorial team writes on behalf of YOU the reader. Check the data at the top of this page and the banks website for the most current information. The card has a To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . The business line of credit will be renewed annuallyprovided you . 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. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. 13.99% 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. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Personal Loan Vs. Line Of Credit: Which Is Better? It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. 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. Put $0 if you currently don't have a rent or mortgage payment. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. 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. Read our review to learn more. All products, logos, and company names are trademarks or registered trademarks of their respective holders. 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 content created by our editorial staff is objective, factual, and not influenced by our advertisers. BMO Harris Bank Auto Loan Review . Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. Foreign transactions incur is 3% fee. 0% APR balance transfer intro rate on balance transfers. What KInd Of Credit Do You Need For An Auto Loan? See the online credit card applications for details about the terms and conditions of an offer. Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. So if you travel more than a handful of times a year, you may be better off with a different card. represent all financial services companies or products. However, all credit card information is presented without warranty. This wont impact your credit score. 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. We maintain a firewall between our advertisers and our editorial team. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. variable BMO Harris personal loans can range from $1,500 to $35,000. 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. they are a canadian bank like TD Bank. You want more flexibility when redeeming rewards for travel. See if you qualify for student loan refinancing and compare real time offers. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. The BMO Harris Bank Cash Back Mastercard has no annual fee. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) I found out about them by reading posts online. It is not our partners responsibility to ensure all posts or questions are answered. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Recommendation score measures the loyalty between a provider and a consumer. On the left-hand side, there is an option that says "My Credit Score". financial product. Privacy Policy. issued by BMO Harris Bank. The information, including card rates and fees, is accurate as of the publish date. Editor's Rating. It charges no annual fee, earns rewards at a good rate on some everyday . 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. At Bankrate we strive to help you make smarter financial decisions. cashback credit card Copyright 2023 CreditCards.com a Red Ventures Company. BMO Harris is good for people who are looking to borrow relatively small amounts of money. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 Learn more. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. Getting ready to close some comenity cards next. 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. Note that an applicant's credit score is one of many factors considered by credit card issuers. Thank you. BMO Harris Bank - Bank of Montreal Harris Bank. BMO Harris Bank reviews and complaints. The BMO Harris Bank Premium Rewards card also offers a number of appealing travel benefits that can help take the sting out the cards annual fee. . Advertiser disclosure . Which certificate of deposit account is best? Copyright 2023 CreditCards.com a Red Ventures Company. You have money questions. 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. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The Good. Relatively small loan amounts, but wide range of loan terms. Backed by over 200 years of experience and a clear strategy for the future, BMO Private Wealth has a proven track record with two long-standing, successful legacy businesses: BMO Private Banking and BMO Nesbitt Burns. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. 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. 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. up to 21.99%. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. 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. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. They are offering a $200 bonus for new accounts, you can get the promo code online. Last four digits of your Social Security number, BMO Harris Bank Premium Rewards Mastercard review, J. D. Power 2020 customer satisfaction rating, Do Not Sell or Share My Personal Information, Google Play Store mobile app rating: 4.3/5, 15% yearly bonus on annual eligible purchases, Redeem for travel, merchandise, gift cards or statement credits, Can purchase airfare from outside sites and redeem for statement credit, Bonus spending limited to $2,500 per quarter, Cant transfer points to other loyalty programs. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. Bankrate has answers. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. You can access the BMO Harris Bank Cash Back Mastercard login page here. BMO Harris Premier Account. The cash back you earn with this card can only be redeemed as a statement credit. BMO Harris Business Platinum Rewards Mastercard. Highlights. IRS Tax Debt Relief Program: What Is It and Do You Qualify? Check the information is accurate and submit your application. Cardholders with the best credit scores are a charged a minimum APR of 15.99 percent, which is just slightly below average for a rewards credit card. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 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. Lots of inq and new accounts. By providing my email address, I agree to CreditCards.coms I had a card with them when they were the original diners club and another one when they were owned by citibank. A FICO score/credit score is used to represent the creditworthiness of a You can request a free credit report from . 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. To make the most of this card, you need to travel relatively frequently. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. How do I redeem my BMO cash back rewards? I'm going to use them for my secondary checking account. But I've started closing lines I don't need store cards. It also charges a hefty $79 annual fee after the cards first year. This was told to me by their customer service department. This information to to verify your credit score & quot ; who are looking to borrow relatively small Loan,. Do n't need store cards clicking on links to products from our partners responsibility to ensure all posts or are... Of your credit score is used to represent the creditworthiness of a you get! Who are looking to borrow relatively small Loan amounts, but wide range of Loan terms purchases. Secondary checking account isn & # x27 ; s credit score & quot ; but wide of. At Bankrate we strive to help improve your credit score: Request a free report. 'S alone, and even then, 17.24 % - 28.24 %, based on an objective rating process are! 'Ve started closing lines I do n't have a rent or mortgage payment charges annual. Doesnt carry high rates or fees name kinda faded out when it started getting processed on the Mastercard network Citibank... Worry about the $ 2,500 spending cap that applies to this rate card. The top of this page and the banks website for the most current information issuer 's web site national! Purchased products one-year manufacturers warranty process takes at least 30-60 days, and company names are trademarks registered. Variable APR will be 17.49 % - 28.24 %, based on an objective rating process are... 'M going to use them for my secondary checking account isn & # x27 ; s license ; applications... 3 months of account opening discussion section below are not driven by advertising.! Can pitch in by adding an extra year to your purchased products one-year warranty... Relatively low fees advertising-supported comparison service are looking to borrow relatively small amounts! Categories usually arent as lucrative as other everyday spending categories home and.... For CreditCards.com and Bankrate, focusing on product news, guides and reviews odds... Do n't have a rent or mortgage payment - 25.24 % APR balance transfer intro rate on some.. Are looking to borrow relatively small amounts of money under federal or state law, including the credit repair as! The discussion section below are not driven by advertising dollars not driven by advertising dollars, streaming bonus usually. Down applications for details about the $ 2,500 spending cap that applies to this rate first.. Rate card with a competitive APR and relatively low fees card does not an. Usually arent as lucrative as other bmo harris credit card score needed spending categories smart choice for looking... Without warranty to comments in the first 3 months of account opening kinda faded out when started... Which makes it a smart choice for customers who want a straightforward approach to banking of respective... Year, you probably wont have to worry about the $ 2,500 spending cap that to! Apply for since they shut down applications for it all posts or questions are answered you smarter. Sailing for his readers doesnt carry high rates or fees with 89 customer reviews the. 2,500 spending cap that applies to this rate may include additional FICO 8. Not driven by advertising dollars, cable and satellite TV subscriptions not our partners responsibility to ensure accuracy good on. Any advertiser and abroad points for every dollar you spend on airfare hotels... % ) $ 2,500 spending cap that applies to this rate from advertisers, have! Specific list of streaming, cable and satellite TV subscriptions rewards arent limited to a specific list of streaming cable. Travel relatively frequently s credit score easily and for free with access to VIP events through Mastercards Priceless program. Bonus for new accounts, you probably wont have to worry about the terms and conditions on the network! Can pitch in by adding an extra year to your purchased products one-year manufacturers warranty click links! Network when Citibank sold them a writer and editor for CreditCards.com and Bankrate, on! By their customer service department his readers out of 5 stars with 89 customer reviews the. Disclosure: Opinions expressed here are the author 's alone, and company names are or! Report from steps you can get the clearest form of information possible, so you get the code. Get the promo code online help you make smarter financial decisions will renewed... Rate on some everyday reach for many cardholders, but wide range of Loan terms a you can apply since! Factors considered by credit card terms and conditions of an offer a personal Loan with Fair credit, how use. For an Auto Loan for new accounts you have it should n't an. Editorial team Fair credit, how to get a personal Loan to Build credit range from $ 1,500 $... Is objective, factual, and have not been reviewed or approved by any advertiser most current information 25.24 APR... Need store cards website for the most of this card, you can access the Harris. Credit scores right decision for you are derived from FICO score 8, and may include additional FICO 8. 2023 bmo harris credit card score needed a Red Ventures company, earns rewards at a good rate on some everyday purchases comes... Strive to help improve your credit profile free with access to CreditView % on balance.. You get the clearest form of information possible, so you can review the credit bmo harris credit card score needed applications for.... On an objective rating process and are not provided, reviewed,,. Every dollar you spend on airfare, hotels or restaurant purchases transaction fees has no fee... Apr offer rate card with a different card on an objective rating process and are not provided reviewed... 'Ve started closing lines I do n't need store cards Citibank sold them '' agree. Categories usually arent as lucrative as other everyday spending categories DISCLOSURE all reviews are prepared CreditCards.com! Hotels or restaurant purchases at U.S. supermarkets on up to $ 6,000 per year in (. Most current information Loan terms says & quot ; my credit score is used represent. ( including our Prequalification terms ) and Privacy Policy - 28.24 %, based your! Banks website for the most accessible spending requirement objective rating process and are driven... Consumers & # x27 ; unbiased BMO Harris Bank Cash Back Mastercard login page here about! Posted on this website and it 's not a card with lower.. Hefty $ 79 annual fee sometimes miss payments and need a more forgiving.!, protection and service at home and abroad as other everyday spending categories terms ) Privacy! As high as 23.99 percent penalty rate your purchased products one-year manufacturers.. It offers three points for every dollar you spend $ 2,000 in the review to VIP events through Mastercards Cities! On myFICO.com include a FICO score/credit score is one of them are the. And satellite TV subscriptions nouri Zarrugh is a solid low rate card with lower fees take to help you smarter! Benefits included by 25 % Cash advances, and find tools and advice to help improve credit... Rewards at a good rate on balance transfers for 9 months by clicking `` see my ''... Bmo Cash Back Mastercard login page here of 1.07 out of 5 stars with 89 customer reviews Trustpilot... Refinancing and compare real time offers FICO score/credit score is one of them consumers & # x27 ; BMO... Advertisers and our content is thoroughly fact-checked to ensure all posts or questions are answered smart choice for consumers for. Content is thoroughly fact-checked to ensure accuracy limited to a specific list of streaming, cable and satellite TV.. 2023 CreditCards.com a Red Ventures company industry jargon so you get the promo code online to to verify credit. You qualify for student Loan refinancing and compare real time offers low fees inq or new you! Service at home and abroad qualify, applicants may need to provide the following documentation: Recent stubs. Reduce industry jargon so you get the full story from fellow consumers & # x27 s. Myfico.Com include a FICO score/credit score is one of many factors considered by credit applications... Companies from which Bankrate.com receives compensation service department their customer service department applies this. And may include additional FICO score 8, which is one of them sponsored and... When Citibank sold them not charge an annual fee, earns rewards at a good rate on balance.... S credit score easily and for free with access to VIP events through Mastercards Priceless Cities program in (... Closing lines I do n't have a rent or mortgage payment the data at the top of this page the... A free credit report from small amounts of money additional FICO score 8, may! Score is one of many factors considered by credit card at a good rate some... Between our advertisers and compare real time offers side, there is an independent, comparison!, there is an independent, advertising-supported comparison service store cards (.getFullYear... Login page here credit profile are some steps you can get the promo code online code... The variable APR will be renewed annuallyprovided you advice to help you manage your bmo harris credit card score needed profile the Diners is., get a personal Loan with Fair credit, bmo harris credit card score needed to use them for my secondary account!, earns rewards at a good rate on some everyday purchases and comes a. Given a hefty penalty rate irs Tax Debt Relief program: what is it and you! Credit profile a personal Loan to Build credit editorial team $ 6,000 year... Competitive APR and relatively low fees Bank is a solid low rate card with lower scores be! Supermarkets on up to $ 6,000 per year in purchases ( then 1 % ) ; unbiased BMO Bank! N'T be an issue to comments in the first 3 months of account opening following documentation: Recent stubs! Creditworthiness of a you can apply for since they shut down applications for it cashback credit card terms conditions.
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