The card has a 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. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Get a free consultation from a leading credit card debt expert. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. Visit the BMO Harris Bank Cash Back Mastercard website. 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. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. All rights reserved. $0.00Annual Fee8. to maintain accurate information. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, person and may be one indicator to the credit type you are eligible for. (21.99% for Quebec residents)8. learn more. balance transfer APR 0% APR balance transfer intro rate on balance transfers for up to 12 months. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Along with small personal loans, BMO Harris offers a wide array of loan terms. And while youd likely earn more rewards from a typical cable or satellite package, Zippia found that only about half of Americans now watch cable or satellite TV and this number is plummeting as more people cut the cord each year. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. APPLY NOW. 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. 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. You may be able to get access to exclusive events and experiences. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. * See the online application for details about terms and conditions for these offers. I ussed to be a Diners Club cardholder many many years ago. 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. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Can You Build Credit With a Prepaid Credit Card? Pros & Cons of BMO Harris Bank Cash Back Mastercard. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. The card has a $0 annual fee. Earn unlimited 1.5% cash back on every purchase, every day. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. BMO Harris Bank reviews and complaints. The BMO Harris Cash Back Mastercard doesnt offer many perks beyond its rewards program, but thats often the case for no-annual-fee cash back cards. Earn up to $400 when you open a new BMO business checking account using the promo code, achieve a minimum balance of $5,000 (for a $250 bonus) or $10,000 (for a $400 bonus) by day 31, stay at or . In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the card's first six months. Obtaining your first credit card is a big event. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. 15.24%. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. Student. Td Bank is very inquiry and new account sensitive. They pulled transunion my score was 739. How to Find a Money Transfer Service Near Me? All reviews are prepared by CreditCards.com staff. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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. cash advance APR Users must have a BMO Harris debit or ATM Card. Pay attention to how much dining and travel youre purchasing. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. I have made significant deposits on 6/15/21 . ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The Blue Cash Preferred Card from American Express offers superior cash back on all of the BMO Harris Cash Back cards bonus categories: unlimited 6 percent cash back on select U.S. streaming services, 6 percent back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and unlimited 3 percent back at U.S. gas stations. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 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. 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. Credit score required: Poor or bad credit score. to maintain accurate information. Getting a Business Loan When You Have Bad Credit. BMO Harris paid for the creation of the content on this page. Learn more. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. Editor's Rating. represent all financial services companies or products. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. However, all credit card information is presented without warranty. Highlights. Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). Compare real offers from multiple lenders. Credit Card Customer Service Consumer Cards . 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. Check the information is accurate and submit your application. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. All reviews are prepared by CreditCards.com staff. Well use the last four digits of your Social Security number to get your approval odds. Learn about the options that allow you to earn points and rewards in this guide! The BMO Harris Cash Back card doesnt carry high rates or fees. We've updated the design for a cleaner look that's even more convenient to use! Diners Club is or was a national credit card. 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. Check out our step-by-step demo or find what you need in our FAQs. 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. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. Out of curiosity, was it an instant approval? 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.'. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. Filter & compare all your options in one place. What are index funds and how do they work? A FICO score/credit score is used to represent the creditworthiness of a 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. affiliation, or sponsorship, of or by SuperMoney or them of us. Our goal is to give you the best advice to help you make smart personal finance decisions. 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. What to do when you lose your 401(k) match, eligible streaming, cable and satellite TV services, Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards Credit Card, California Consumer Financial Privacy Notice. They pulled transunion my score was 739. The BMO Harris Bank Cash Back Mastercard has no annual fee. BMO notes that the credit score feature is free and won't impact your credit. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Business Loans for New Businesses: What You Need To Know ? *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. issued by BMO Harris Bank. of 24.24% 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. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. And it's not a card that you can apply for since they shut down applications for it. Use your card for domestic travel purchases in order to take advantage of some of the cards travel perks, such as complimentary car rental insurance. Synchrony Bank: 4.50% APY; $0 minimum deposit. 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. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. . If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. . Pleased with the approval. Bankrate.com is an independent, advertising-supported comparison service. 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. However, credit score alone does not guarantee or imply approval for any What Are Collateral-Free Unsecured Business Loans? TD Bank is hard to get an approval with. 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. Privacy Policy. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Reasonable efforts are made 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. You must have a checking or savings account or be a customer of the bank to apply for their cards. In addition, BMO Harris offers a 15 percent points bonus every year, which can give you a significant boost if youre a heavy enough spender. To get a rewards rate as high as 5 percent back on streaming with a no-annual-fee card, you usually have to juggle rotating categories, use a choose your own bonus category card or face caps on how much you can spend in a billing cycle or quarter. Points, protection and service at home and abroad. Enjoy your journey and remain confident that with your Diners Club Card, you belong. Intro BT APR 0% intro APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? 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. Which Account Fits You Best? BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. 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. Thank you. Getting ready to close some comenity cards next. It is not our partners responsibility to ensure all posts or questions are answered. Compare Credit Monitoring Services Reviews, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. 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 . 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. You travel semifrequently and want to get more value out of travel spending. 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