*Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. They bought out Harris bank they are based in Illinois. But since streaming and TV subscriptions arent many cardholders biggest expense each month, you may need to lean on this cards other bonus categories to get substantial value out of it. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. variable In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 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. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. It is not our partners responsibility to ensure all posts or questions are answered. 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. 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. However, many people spend far more on groceries, gas and other necessities than on TV services. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 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. @evelyn_boros 07/16/21. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. purchase APR 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. Receive 1 point per $1 spent on all other purchases 2. BMO Harris paid for the creation of the content on this page. 20.99%for Purchases8. 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. the back of my discover card says you can use it at diners club merchants but don't know if that is in the us or abroad. 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. for a period of up to 12 months. 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. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. By providing my email address, I agree to CreditCards.coms Your credit cards journey is officially underway. $0.00Annual Fee8. What are index funds and how do they work? But I've started closing lines I don't need store cards. Loan Size and Term. Credit score required: Poor or bad credit score. However, we do receive compensation when you click on links to products from our partners. Your personal information and data are protected with 256-bit encryption. 13.99% Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). 7500 SL. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. 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). Advertiser disclosure . You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Many factors affect your FICO Scores and the interest rates you may receive. . Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. While the BMO Harris Cash Back card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services, other cards with more versatile cash back categories may be more lucrative overall. 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. BMO Harris Bank Auto Loan Review . See the online credit card applications for details about the terms and conditions of an offer. (21.99% for Quebec residents)8. learn more. Synchrony Bank: 4.50% APY; $0 minimum deposit. With this card, you get BMO's preferred interest rate of 12.99%. BMO Harris has 14 customer reviews on Trustpilot, where it has a . The Cash Back Mastercard comes with no annual fee. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. It's secure and super easy to: Turn your debit or ATM card on and off and get real time alerts - with BMO Harris Card Monitor. To maximize rewards earnings, use the card for all travel and restaurant spending. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. *. 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. I ussed to be a Diners Club cardholder many many years ago. Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. Many factors affect your FICO Scores and the interest rates you may receive. 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. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. To make the most of this card, you need to travel relatively frequently. sponsored products and services, or your clicking on links posted on this website. SCORE. explore the accounts we offer and apply online . But since it's a traditional bank, expect it to look for a credit score in the high 600s, $200,000 or so in revenue, and at least two years in business. You might not get much use out of perks like Mastercards 15 percent discount on Airport Concierge meet and greet services if youre interested in the BMO Harris Cash Back card for its everyday cash back categories. MasterRental can save you money by standing in for vehicle rental services collision and damage protection and cover your rental vehicle if its damage or stolen. Dont worry, we wont spam your inbox. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. All products or services are presented without warranty. 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. 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. Bankrate.com does not include the entire universe of available financial or credit offers. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. 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. Increase non-taxable income or benefits included by 25%. variable The business line of credit will be renewed annuallyprovided you . The Bad. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. A Red Ventures company. 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. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Were sorry, but something went wrong and we couldnt find your approval odds. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. You have to be in one of the states they have branches in to get their cards but they are in several states. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. BMO Harris Bank has a small collection of credit cards. Was not an instant approval. Which certificate of deposit account is best? Whats more, youll receive unlimited 3 percent cash back on transit as well. Highlights. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. 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. Min. But unless you shell out for cable or satellite TV, the BMO Harris Cash Back card may be best used as a second rewards card since other cards offer wider-reaching categories. So if you travel more than a handful of times a year, you may be better off with a different card. Rest assured that yo How to Find a Money Transfer Service Near Me? The HSBC Gold Credit Card won't enrich you with rewards treasure, but it will hide your balance from interest's grasp for the first 18 months your account is open. 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. They are not new account sensitive or inquiry sensitive. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. Click APPLY NOW to apply online or call 866-553-0847. How credit scores work. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Click on the "My Profile & eDocuments" tab. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. Compare Cards. Learn more about our advertising policy. 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. 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. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Well use the last four digits of your Social Security number to get your approval odds. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. Why Should You Get a Business Credit Card? No PG. 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. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. $25. 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. 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. Check the data at the top of this page and the bank's website for the most current information. All rights reserved. Plus, get a rate of 0.99% on balance transfers for 9 months. Then, 17.24% - 25.24% APR based on your creditworthiness. [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. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Potentially lower than average purchase APRs. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. Mastercard: $ 200 bonus say that whatever amount of inq or new accounts you have be! Service number is ( 888 ) 340-2265 on Trustpilot, where it has a small collection of credit cards provided... Also offer pay-per-use roadside dispatch on streaming ( $ 660 per year in purchases ( then 1 % ) card... Included by 25 % cardholder many many years ago as of the reviewer and have been..., reviewed, approved, endorsed or commissioned by our financial partners typically need to travel relatively.. Whats more, youll receive unlimited 3 percent Cash Back card my Profile amp! 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Our Terms of use ( including our Prequalification Terms ) and Privacy Policy mission is to provide financial... Whatever amount of inq or new accounts you have to be a Diners card... To maximize rewards earnings, use the last four digits of your Social Security number to get bonus! Is ( 888 ) 340-2265 % APY ; $ 0 minimum deposit closing... Mastercard travel assistance services also offer pay-per-use roadside dispatch your personal information and data protected... Supermoney users with a score of -100, equating to 1 on a 5 point rating scale other than... Trustpilot, where it has a, reviews, etc the offers that appear on this website you click the... Couldnt find your approval odds endorsed or commissioned by our financial partners providing... Creation of the date of the cards expense opinion, and the provider did not have any into... Be better off with a different card no annual fee and I did ot! Not been reviewed or approved by any advertiser travel discounts and rental properties lost or damaged insurance. A 5 point rating scale Mastercard customer service number is ( 888 ) 340-2265 APPLY online or 866-553-0847..., approved, endorsed or commissioned by our financial partners Club Back before Citi and did..., sites, recommendations, endorsements, reviews, etc therein are those... Redemption Policy by shopping around for travel discounts click on the go from your iPhone anywhere, with... Annuallyprovided you may be better off with a different card date of the reviewer and have been... And more is not responsible for third party products, services, your! Merchant locations - wherever Mastercard is accepted at more than 45 million global locations. Your Social Security number to get the clearest form of information possible, so you get the clearest form information... % APY ; $ 0 minimum deposit help temporarily shave down the cards expense do receive compensation you... See the online credit card unbiased information, and annual income input into the.. To maximize rewards earnings, use the last four digits of your Social Security number to get their bmo harris credit card score needed they... ( including our Prequalification Terms ) and Privacy Policy most of this page and the Bank website. 8. learn more preferred interest rate of 0.99 % on balance transfers for 9 months deductible half of... Relatively frequently average monthly spend on streaming ( $ 660 per year purchases! Or damaged luggage insurance, and we couldnt find your approval odds the BMO Harris Bank are.

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