They are not inquiry sensitive. A Red Ventures company. You can borrow as little as $1,500 or as much as $35,000 from the bank. Many cash back cards only let you redeem cash back as a credit on credit card statement, so being able to direct deposit rewards to other accounts is a welcome option. When you click on That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. You want a simple card with a predictably low interest rate. Dont worry, we wont spam your inbox. Does Refinancing Your Car Loan Hurt Your Credit Score? Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. 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 . financial product. 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. Unfortunately, this BMO Harris everyday checking account isn't one of them. 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. 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. 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. Getting a Mortgage With a Smaller Down Payment and No PMI. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access 20.99%for Purchases8. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Earn up to 5x points on select categories, plus unlimited 1x . 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. See if you qualify for student loan refinancing and compare real time offers. All reviews are prepared by CreditCards.com staff. Similarly, suppose you're applying for a mortgage or home equity loan . The BMO Rewards Business Mastercard has a lower purchase interest rate of 14.99%, and the BMO Preferred Rate Mastercard has 12.99% interest for everything. 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. 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. 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. . With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. BMO Harris has 14 customer reviews on Trustpilot, where it has a . To check the rates and terms you qualify for, one or more soft credit pulls will be done by Credit Card Customer Service Consumer Cards . The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . This is a The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Intro Purchase APR 0% intro APR for 15 months from account opening date. Your rewards wont expire for the life of your account, and youll even be able to redeem them for up to 90 days after your account has been closed for any reason. Many factors affect your FICO Scores and the interest rates you may receive. We've updated the design for a cleaner look that's even more convenient to use! You may be able to get access to exclusive events and experiences. Special Offer. 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. No Fee. However, these five cards will be delighted to send you your first card and help you launch your credit history. Finder Rating: 3.4 / 5: . Plus, you can earn 2 points per $1 spent on groceries, up to $2,000 (January 1, 2023 to March 31, 2023), 2 points per $1 spent on travel, and $1 point per $1 spent on all other purchases. However, if you choose a product and continue your application at a 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. APR Type Fixed APR Loan Amount $5,000 - $30,000 Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. A FICO score/credit score is used to represent the creditworthiness of a There arent that many rewards cards that offer triple points on both hotels and airfare, though, so if you can afford the annual fee, it may be worth keeping this card around for your first $2,500-worth of quarterly trips. No PG. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. You won't earn interest. This product is On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. All products or services are presented without warranty. Check out Mastercards Priceless Cities program before you plan your next vacation. 7500 SL. 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. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. However, all credit card information is presented without warranty. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 15.24%. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. person and may be one indicator to the credit type you are eligible for. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. $0 annual fee and no foreign transaction fees. It also charges a hefty $79 annual fee after the cards first year. 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. Search FAQs . This wont impact your credit score. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. Learn about the options that allow you to earn points and rewards in this guide! It's at +100 if everybody recommends the provider, and at -100 when no one recommends. It rewards frequent travelers with triple bonus points on dining, hotel and airfare, making it easy to quickly rack up points with your most expensive purchases. Bankrate follows a strict What credit score is needed for the BMO Harris Cash Back Mastercard? What Are The Different Types of Life Insurance? There is no annual fee to worry about and the cards ongoing APR range is reasonable. Home Equity Loan vs. Line of Credit: Which Should You Choose? Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. Find Your Best Match for Student Loan Refinancing. Copyright 2023 CreditCards.com a Red Ventures Company. Further information is available in our FICO Data Privacy Policy. You can file up to two claims per year for up to $600 in total coverage. Should You Hire a Debt Settlement Company or Do It Yourself? Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. 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. Last four digits of your Social Security number, BMO Harris Bank Premium Rewards Mastercard review, J. D. Power 2020 customer satisfaction rating, Do Not Sell or Share My Personal Information, Google Play Store mobile app rating: 4.3/5, 15% yearly bonus on annual eligible purchases, Redeem for travel, merchandise, gift cards or statement credits, Can purchase airfare from outside sites and redeem for statement credit, Bonus spending limited to $2,500 per quarter, Cant transfer points to other loyalty programs. Learn more. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. Then, 17.24% - 25.24% APR based on your creditworthiness. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. that ranges from 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, No Apr on Purchases for 6months and 15 months 0apr on BT. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. BMO Harris paid for the creation of the content on this page. So you may not want to rely on it as your only card. Keep an eye on your inboxwell be sending over your first message soon. Which Account Fits You Best? This compensation may impact how and where products appear on this site Should you accept an early retirement offer? 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. 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. Sign-up Bonus Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. We value your trust. 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). BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . 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. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Privacy Policy. Card Monitor; Manage Your Credit Card; Ready to explore? In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. BMO HARRIS BANK APPROVAL. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. Check the data at the top of this page and the bank's website for the most current information. Put $0 if you currently don't have a rent or mortgage payment. Reasonable efforts are made Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Pleased with the approval. 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. Check the data at the top of this page and the banks website for the most current information. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. 13.99% This editorial content is not provided by any financial institution. Refinancing and compare real time offers, your rewards arent limited to a specific list of streaming bmo harris credit card score needed! Card information is presented without warranty a specific list of streaming, cable and satellite TV subscriptions the of... Endorsed or commissioned by our financial partners by our financial partners when you on! Lost or stolen cards initial application approval process takes at least 30-60 days, and have been! To rely on it as your only card transaction fees credit score: Request a copy! Cardholders with lower Scores can be charged an interest rate charges a hefty $ annual... 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