BMO Harris has 14 customer reviews on Trustpilot, where it has a . 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. 21. Plus my coworker banks with them and they offer the smart advantage checking with no service charge, free checking is a plus unlike alot of other banks which charge service charges. You can see your score, and find tools and advice to help you manage your credit profile. BMO Harris Bank Auto Loan Review . 1 percent back on everything else. 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. Check out Mastercards Priceless Cities program before you plan your next vacation. SCORE. APR Type Fixed APR Loan Amount $5,000 - $30,000 CreditCards.com is an independent, advertising-supported comparison service. 4.6. 7500 SL. The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. 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. 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. 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. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. What do I need to prepare before meeting with a lender? Pleased with the approval. Best Credit Card Promotions. 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. 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. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. 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. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. $0 annual fee and no foreign transaction fees. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. (including, for example, the order in which they appear). To maximize rewards earnings, use the card for all travel and restaurant spending. 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. Click on the "My Profile & eDocuments" tab. Min. 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. We work hard to protect your confidential information and privacy. . by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. Further information is available in our FICO Data Privacy Policy. Click APPLY NOW to apply online or call 866-553-0847. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. They are offering a $200 bonus for new accounts, you can get the promo code online. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Can a First-Time Home Buyer Get a Jumbo Loan? You can access the BMO Harris Bank Cash Back Mastercard login page here. You may be able to get access to exclusive events and experiences. 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. 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. You travel semifrequently and want to get more value out of travel spending. explore the accounts we offer and apply online . 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. Copyright 2023 SuperMoney, LLC. See if you qualify for student loan refinancing and compare real time offers. Lots of inq and new accounts. variable spend of $2,500). 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 Bad. The offers that appear on this site are from companies from which CreditCards.com receives compensation. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Why get the BMO Harris Bank Premium Rewards Mastercard? How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Intro Purchase APR 0% intro APR for 15 months from account opening date. Learn more. 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. Business Loans for New Businesses: What You Need To Know ? I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. It also has a Dont worry, we wont spam your inbox. Visit the BMO Harris Bank Cash Back Mastercard website. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. You want more flexibility when redeeming rewards for travel. Potentially lower than average purchase APRs. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. affiliation, or sponsorship, of or by SuperMoney or them of us. (21.99% for Quebec residents)8. learn more. Do Private Student Loans Have a Statute of Limitations? I kinda wish Citibank still owned them. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. 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. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. BMO Harris Bank Platinum Rewards Mastercard. All products or services are presented without warranty. Getting a Business Loan When You Have Bad Credit. 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. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 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. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. Get a free consultation from a leading credit card debt expert. . You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. A 2% fee applies to transferred balances. Compare Cards. Our experts have been helping you master your money for over four decades. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. 20.99%for Purchases8. The BMO Harris Bank Mastercard is also more forgiving of occasional missed payments, making it a good choice for cardholders who sometimes forget to pay their bill. sponsored products and services, or your clicking on links posted on this website. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. They are much more liberal than TD Bank. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. 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 . You can redeem the cash back youve earned with the BMO Harris Cash Back Mastercard by logging into your BMO Harris Bank account, going to the Account Details page and selecting View and Redeem., BMO Harris Cash Back vs. other cash back cards, Connect with Garrett Yarbrough on LinkedIn. cashback credit card The cards quarterly restrictions on bonus spending limit how much you can earn, though, so it may not be as valuable if you travel more than a handful of times a year. 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). Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. Learn about the options that allow you to earn points and rewards in this guide! Went to underwriter. BMO Harris Business Platinum Rewards Mastercard. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. The information, including card rates and fees, presented in the review is accurate as of the date of the review. What Are Different Types of Credit Cards? The Blue Cash Preferred card even provides a 12-month 0 percent intro APR on both purchases and balance transfers (then a 16.99 percent to 27.99 percent variable APR). Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. BMO Harris Bank has a small collection of credit cards. purchase APR Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Were sorry, but something went wrong and we couldnt find your approval odds. Any advertiser purchases on your creditworthiness a small collection of credit cards are to... Spam your inbox getting processed on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch quarter you! Find a Branch ; Lending expressed therein are solely those of the date of the posting ;... 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