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. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. 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. Copyright 2023 SuperMoney, LLC. 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. The BMO Harris Cash Back offers one of the best year-round rewards rates on streaming, cable and satellite TV subscriptions and a solid rate on both groceries and gas, so it could be a good fit if youre looking for a simple no-annual fee rewards card. variable SuperMoney.com is an independent, advertising-supported service. You can see your score, and find tools and advice to help you manage your credit profile. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. The offers that appear on this site are from companies from which Bankrate.com receives compensation. BMO Harris Bank - Bank of Montreal Harris Bank. 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. Check out our step-by-step demo or find what you need in our FAQs. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. 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). Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. However, its intro APR offer may be lackluster if you need a break from interest. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? This compensation may impact how and where products appear on this site CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. This wont impact your credit score. recommended credit score: 660. 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. 2023 Bankrate, LLC. The information, including card rates and fees, presented in the review is accurate as of the date of the review. On the left-hand side, there is an option that says "My Credit Score". You may be able to get access to exclusive events and experiences. Bankrate has answers. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. Best Credit Card Promotions. But I've started closing lines I don't need store cards. 21. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. 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. Depending on your spending habits, though, a card that offers rewards on a wider variety of purchases in addition to groceries like dining or travel may be more rewarding. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. CreditCards.com is an independent, advertising-supported comparison service. Then, 17.24% - 25.24% APR based on your creditworthiness. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. You have money questions. 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. They pulled transunion my score was 739. Credit cards. If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. BMO notes that the credit score feature is free and won't impact your credit. 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. 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. up to 21.99%. 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. Limit how much you spend in the cards first six months. Getting ready to close some comenity cards next. Barclays - 4.50% APY, $0 minimum deposit. 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. No Apr on Purchases for 6months and 15 months 0apr on BT. Learn more. Keep an eye on your inboxwell be sending over your first message soon. Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Your credit cards journey is officially underway. 850 300 700. Need some help signing in? You can file up to two claims per year for up to $600 in total coverage. 0% APR balance transfer intro rate on balance transfers for up to 12 months. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. You can earn a $200 cash back bonus after spending $2,000 within your first three months. Credit score required: Poor or bad credit score. 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). Does Refinancing Your Car Loan Hurt Your Credit Score? 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. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. 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. FTC's website on credit. 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. 15.24%. Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. Relatively small loan amounts, but wide range of loan terms. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. BMO Harris has 14 customer reviews on Trustpilot, where it has a . Our editorial team does not receive direct compensation from our advertisers. Were sorry, but something went wrong and we couldnt find your approval odds. Users must have a BMO Harris debit or ATM Card. 13.99% To check the rates and terms you qualify for, one or more soft credit pulls will be done by And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. Min. No PG. financial product. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. 7500 SL. 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. 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. 2022) Credit Score Needed: Good FICO Score (about 670 or above). I applied for bmo Harris MasterCard and was approved for 5k limit. 22.99%for Cash Advances8. Here's an explanation for how we make money But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. But Citi sold them off. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. IRS Tax Debt Relief Program: What Is It and Do You Qualify? [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. 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