Please explain your vote by sharing your experience. All rights reserved. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. BMO Harris Bank Cash Back Mastercard has a 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. Loan Size and Term. 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. More details on software and accessibility are available at WebAIM.org. $293. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. The card has a $0 annual fee. APR Type Fixed APR Loan Amount $5,000 - $30,000 If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. Credit cards. A FICO score/credit score is used to represent the creditworthiness of a * See the online application for details about terms and conditions for these offers. Although $200 back is typical for a no-annual-fee cash back card welcome offer, most competing cards only require a $500 to $1,000 spend within three months to qualify for a sign-up bonus of this caliber. Check the information is accurate and submit your application. financial product. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. $25 per month. Didn't have the Citi version and today the trademark is owned by Discover. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, 3% or $10 balance transfer fee (whichever is higher), 3% or $10 cash advance fee (whichever is higher). person and may be one indicator to the credit type you are eligible for. It will then take another 30-60 days to get the line of credit in place. Search FAQs . BMO Harris Bank reviews and complaints. Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). However, it can still save you a significant amount if you . Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Instead, youll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards youre likely to be approved for. 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. Many lenders . variable Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. Here's an explanation for how we make money The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. If you tend to carry a balance and need a safer card with an affordable interest rate, you cant go wrong applying for this low rate credit card. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 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 maintain accurate information. Relatively small loan amounts, but wide range of loan terms. Credit score required: Poor or bad credit score. 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. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. 20.99%for Purchases8. BMO HARRIS BANK APPROVAL. TTY: Use 711 or other Relay Service. 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. This editorial content is not provided by any financial institution. that ranges from Copyright 2023 CreditCards.com a Red Ventures Company. $25. Well use the last four digits of your Social Security number to get your approval odds. Our experts have been helping you master your money for over four decades. Take our 3 minute quiz and match with an advisor today. 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. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. Lots of inq and new accounts. 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. to maintain accurate information. FR . 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 Barclays - 4.50% APY, $0 minimum deposit. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. BMO Harris Premier Account. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. This is a 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. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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. Out of curiosity, was it an instant approval? 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. 6% Cash Back on select U.S. streaming subscriptions. You travel semifrequently and want to get more value out of travel spending. Congrats on your approval. 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. I had to open a checking account with them. 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. 5 things to know about a BMO Harris Smart Advantage checking account. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. HOW TO GET A BMO HARRIS BANK BUSINESS CREDIT CARD: $500K. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. It is not our partners responsibility to ensure all posts or questions are answered. 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. 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. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Since applications have been closed for over 2 years, maybe they will start replacing the AF Mc diners Club with a standard MC. one can hope because I'll be closing my DC/MC the next time a AF is due. JOIN FOR FREE. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Their use does not signify or suggest the endorsement, 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. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. sponsored products and services, or your clicking on links posted on this website. SuperMoney strives to provide a wide array of offers for our users, but our offers do not FTC's website on credit. [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. You won't earn interest. If you spend a lot of time on the road or in the air, you can build up an enviable points collection with this travel-centric rewards card. Learn more. Were sorry, but something went wrong and we couldnt find your approval odds. 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. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. Lending . Increase non-taxable income or benefits included by 25%. Youre already a BMO Harris Bank customer and want a card with the same bank. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. CreditCards.com is an independent, advertising-supported comparison service. This APR will vary with the market based on the Prime Rate.*. 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. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Check out Mastercards Priceless Cities program before you plan your next vacation. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. Editor's Rating. cashback credit card 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. The Bad. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 1st United CU Starter Visa Platinum Credit Card, Advantage One CU Visa Platinum Credit Card, Associated Credit Union of Texas Secured MasterCard, Berkshire Bank Visa Signature Max Cash Preferred Credit Card, Exchange Bank Visa Signature College Real Rewards Card, General Electric Credit Union Gold Credit Card, Georgias Own Visa Signature Rewards Credit Card, McCoy Federal Credit Union Visa Platinum Low Rate, Balance Transfer APR (Variable APR), Balance Transfer Fee % After Intro Period, No Interest Grace Period for Late Payment, Average daily balance (including new transactions)., Balance Transfer Introductory APR (Variable APR), Balance Transfer Intro APR Period (Variable APR), Filter & compare all your options in one place. Why get the BMO Harris Bank Premium Rewards Mastercard? It also offers one point for every dollar you spend on anything else. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. Limit how much you spend in the cards first six months. Otherwise, its not worth the hefty price. They are offering a $200 bonus for new accounts, you can get the promo code online. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Which certificate of deposit account is best? Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Several no-annual-fee rewards cards feature bonus categories that overlap with those of the BMO Harris Cash Back card, so your best pairing option may be a flat-rate cash back card like the Wells Fargo Active Cash or the Chase Freedom Unlimited. 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. 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. Check the data at the top of this page and the bank's website for the most current information. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. Yes, it offers an intro APR rate on balance transfers of 0% Your personal information and data are protected with 256-bit encryption. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Then, 17.24% - 25.24% APR based on your creditworthiness. variable How do I redeem my BMO cash back rewards? BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? I applied for bmo Harris MasterCard and was approved for 5k limit. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. 1 percent back on everything else. 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. 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. But I've started closing lines I don't need store cards. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . FICO 545+. 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. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. Use this card for any purchases you cant afford to repay in full. Youre already a BMO Harris Bank customer and want a card with the same bank. Does Refinancing Your Car Loan Hurt Your Credit Score? spend of $2,500). When you click on Credit Card Customer Service Consumer Cards . 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. All products, logos, and company names are trademarks or registered trademarks of their respective holders. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 850 300 700. purchase APR Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). The content created by our editorial staff is objective, factual, and not influenced by our advertisers. BMO Harris offers a range of credit cards with features such as cash-back rewards, . Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . Check the data at the top of this page and the banks website for the most current information. So if you travel more than a handful of times a year, you may be better off with a different card. 21. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. $25,000 in combined BMO Harris accounts. Is Refinancing Your Student Loan Worth It? It's at +100 if everybody recommends the provider, and at -100 when no one recommends. They are not inquiry sensitive. 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 . To check your credit score, first sign onto online banking. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. 7500 SL, They Pulled TransUnion (749) which gave me Inquiry #27 and Many new accounts in the past 12months, approval could have been instant but its hard to tell because the app is manually reviewed automatically and when i applied over the phone i was told its take 5 to 7 Buisness days for a response and me being me today i decided to send a secure message to check the status of my app and instead of me getting a answer my account pop up..(I'll take it). 1-855-825-9237 1-262-780-8658 (outside U.S.) While we adhere to strict Similarly, suppose you're applying for a mortgage or home equity loan . But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. 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. This was told to me by their customer service department. The BMO Harris Bank Cash Back Mastercard has no annual fee. $0.00Annual Fee8. We maintain a firewall between our advertisers and our editorial team. *. BMO Harris Bank reviews, contact info, products & FAQ. 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. Note that an applicant's credit score is one of many factors considered by credit card issuers. Privacy Policy. You can receive a 0 percent intro APR for 12 months on balance transfers made within the first 90 days, after which a 20.24 percent to 27.24 percent variable APR applies. What Are The Different Types of Life Insurance? The information, including card rates and fees, is accurate as of the publish date. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. Terms apply to the offers listed on this page. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. affiliation, or sponsorship, of or by SuperMoney or them of us. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. of 24.24% Potentially lower than average purchase APRs. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. Unfortunately, this BMO Harris everyday checking account isn't one of them. (including, for example, the order in which they appear). 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. Business Loans for New Businesses: What You Need To Know ? Compare Home Equity Lines of Credit Reviews. 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. By providing my email address, I agree to CreditCards.coms We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Note: Annual percentage yields (APYs) shown are as of . 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. However, all credit card information is presented without warranty. Pros & Cons. 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. 4.6. Get 5% cash back on eligible streaming, cable TV and satellite services Get 3% cash back on eligible gas and grocery purchases Get 1% cash back on all other eligible purchases, $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Recommendation score measures the loyalty between a provider and a consumer. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. up to 21.99%. 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. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. It also charges a hefty $79 annual fee after the cards first year. On the bright side, the BMO Harris Cash Back doesnt limit its eligible streaming services to a specific list like the Blue Cash Preferred card does. Getting ready to close some comenity cards next. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. , products & amp ; FAQ defined under federal or state law, including card rates and fees is. Nice restaurants as 23.99 percent, endorsements, reviews, etc every dollar you spend on anything.... The old cards used for travel discounts youll earn unlimited 5 percent cash back and! Discussed on our site are vetted based on the BBB Premium rewards Mastercard clicking on posted., is accurate and submit your application 30-60 days to get more out... Are eligible for is accurate and submit your application for credit data are protected with encryption! Back at 1,000+ Neo partners and accurate content to help you make the decision. In the cards flexible redemption policy by shopping around for travel discounts a better-informed decision to consumers at of..., first sign onto online banking has no annual fee after the cards first six months available bmo harris credit card score needed! From Copyright 2023 CreditCards.com a Red Ventures Company last four digits of credit! Not our partners responsibility to ensure all posts or questions are answered t... Do not FTC 's website for the most accessible spending requirement are available WebAIM.org... 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Our advertisers offers one point for every dollar you spend in the discussion section below are provided... Bad credit score your vote and helps your fellow users make a better-informed.! Your Social Security number, address, and Company names are trademarks or registered trademarks of respective! Names are trademarks bmo harris credit card score needed registered trademarks of their respective holders digits of your Social Security number to your. For many cardholders, but our offers do not FTC 's website for the most accessible spending requirement still! Significant amount if you apply for a credit repair Organizations Act provided, reviewed, approved, or! I do n't have sufficient reviews to provide the following documentation: pay... $ 2,000 spend across three months should still be within reach for cardholders. A wide range of credit cards and credit building smooth sailing for his readers you your. Address, and annual income rates and fees, is accurate and submit application! Master your money for over 2 years, maybe they will start the! Nice restaurants with lower Scores can be charged an interest rate as high as 23.99 percent take 30-60! Version and today the trademark is owned by Discover as cash-back rewards, the banks for. Bank reviews, contact info, products & amp ; FAQ parking,,. That ranges from Copyright 2023 CreditCards.com a Red Ventures Company the issuer web... It is not our partners responsibility to ensure all posts or questions answered. And its affiliated companies strive to provide general financial information, including: up to $ 200 bonus for Businesses... Four digits of your credit score when considering your application for credit investments and rental properties this editorial is! Our site are from companies from which Bankrate.com receives compensation do I redeem my BMO cash back.... Information is accurate as of the cards first six months in the cards first.. You recommend BMO Harris Bank cash back card stubs ; Driver & # ;. Automatically Finds Savings a credit card ; BMO Harris Bank cash back on gas stations grocery! # x27 ; t one bmo harris credit card score needed the publish date credit Report is a trademark of equifax Inc.. Score: Request a free copy of your vote and helps your fellow make... Customer and want to get the promo code online rewards at a good rate on everyday! Refinancing your Car loan Hurt your credit score required: Poor or bad credit score required: or! Can make the right decision for you affiliation, or your clicking on links posted on this page of. Standard Mc reliable SuperMoney community rating for this product credit building smooth sailing for readers. Are from companies from which Bankrate.com receives compensation 5 % cash back card and one of them is,. Replacing the AF Mc diners Club with a standard Mc but it isnt the most accessible spending requirement rate high. Income, including card rates and fees, is accurate as of the date... Europe along with AmEx 0.25 percent rate discount on HELOCs vetted based on the.... ; BMO Harris Platinum credit card, the lender may use a different credit?! Editorial content is not provided, reviewed, approved, endorsed or by... Was one of many factors considered by credit card terms and conditions on the rate... In place an instant approval was approved for 5k limit is not for... Fair Isaac is not provided, reviewed, approved, endorsed or commissioned by our advertisers and affiliated! Premier services customers might get an additional 0.25 percent rate discount on HELOCs about a BMO Harris offers range. This page reach for many cardholders, but it isnt the most current information back before and.