Our editorial team does not receive direct compensation from our advertisers. Yes youre correct about that. Your personal information and data are protected with 256-bit encryption. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. Visit the BMO Harris Bank Cash Back Mastercard website. 1-855-825-9237 1-262-780-8658 (outside U.S.) Reasonable efforts are made 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. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. 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. You can request a free credit report from . The card has a Getting a Business Loan When You Have Bad Credit. This is lower what than some other lenders offer. Keep an eye on your inboxwell be sending over your first message soon. Otherwise, its not worth the hefty price. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. It's no longer processed on it's own network like American Express. You have to be in one of the states they have branches in to get their cards but they are in several states. The business line of credit will be renewed annuallyprovided you . By paying your monthly cellphone bill with your card, you can get reimbursed up to $400 if your phone is damaged or stolen (subject to a $50 deductible). The Bad. However, it can still save you a significant amount if you plan to use the card from the start. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. It may be easier to qualify if you use the BMO Harris Cash Back as your primary rewards card in your first three months or if you pay for streaming, cable and satellite TV subscriptions upfront for the full year. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. issued by BMO Harris Bank. Check the banks website for the most current information. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. Pros & Cons of BMO Harris Bank Cash Back Mastercard. 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. You occasionally use fee-based services, such as cash advances, and want a card with lower fees. Bankrate has answers. $25. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. When you click on 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. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. this post may contain references to products from our partners. BMO lets you check your credit score easily and for free with access to CreditView. 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. 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. Synchrony Bank: 4.50% APY; $0 minimum deposit. 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. 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. Increase non-taxable income or benefits included by 25%. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. person and may be one indicator to the credit type you are eligible for. 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. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. How to Find a Money Transfer Service Near Me? FTC's website on credit. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. The card stands out with its rewards on streaming, however. Intro Purchase APR 0% intro APR for 15 months from account opening date. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. Note: Annual percentage yields (APYs) shown are as of . to maintain accurate information. 4.6. 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. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. The BMO Harris Cash Back Mastercard is a solid source of cash back, especially if its combination of grocery, gas, and TV subscription rewards match your spending habits. 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. Rest assured that yo Well use this information to to verify your credit profile. Dont worry, we wont spam your inbox. FICO 545+. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. You have money questions. 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. up to 21.99%. What Are Collateral-Free Unsecured Business Loans? Min. Points, protection and service at home and abroad. This is a cashback card. Search FAQs . Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). All reviews are prepared by CreditCards.com staff. It also charges a hefty $79 annual fee after the cards first year. 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. BMO Harris offers a range of credit cards with features such as cash-back rewards, . 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. 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. The BMO Harris Cash Back offers one of the best year-round rewards rates on streaming, cable and satellite TV subscriptions and a solid rate on both groceries and gas, so it could be a good fit if youre looking for a simple no-annual fee rewards card. On the left-hand side, there is an option that says "My Credit Score". Lots of inq and new accounts. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). Put $0 if you currently don't have a rent or mortgage payment. Personal Loan Vs. Line Of Credit: Which Is Better? They bought out Harris bank they are based in Illinois. I kinda wish Citibank still owned them. JOIN FOR FREE. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. Home Equity Loan vs. Line of Credit: Which Should You Choose? Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Bankrate.com is an independent, advertising-supported publisher and comparison service. What credit score is needed for the BMO Harris Cash Back Mastercard? Compare Home Equity Lines of Credit Reviews. variable Copyright 2023 CreditCards.com a Red Ventures Company. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. 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. Cardholders do get access to VIP events through Mastercards Priceless Cities program. 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. Get a free consultation from a leading credit card debt expert. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. You can see your score, and find tools and advice to help you manage your credit profile. cash advance APR 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. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. The information, including card rates and fees, presented in the review is accurate as of the date of the review. It also has a CreditCards.com is an independent, advertising-supported comparison service. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. SCORE. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . 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. See the online credit card applications for details about the terms and conditions of an offer. Best Credit Card Promotions. Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. 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. 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. (21.99% for Quebec residents)8. learn more. You can borrow as little as $1,500 or as much as $35,000 from the bank. 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. @evelyn_boros 07/16/21. I'm going to use them for my secondary checking account. Capital One Platinum Credit Card. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. A Red Ventures company. Check the data at the top of this page and the bank's website for the most current information. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. Your email address unlocks your approval odds. Should You Hire a Debt Settlement Company or Do It Yourself? 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. This cards list of eligible streaming services, cable and satellite TV services includes but is not limited to: Youll have the best approval odds if you apply for the BMO Harris Cash Back Mastercard with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher). Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. 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. Well use this information to to verify your credit profile. Home equity line of credit (HELOC) calculator. Learn about the options that allow you to earn points and rewards in this guide! Read our review to learn more. With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The credit score is provided for free by TransUnion. Yes, it offers an intro APR rate on balance transfers of 0% SuperMoney.com is an independent, advertising-supported service. Your personal information and data are protected with 256-bit encryption. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. 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. CreditCards.com is an independent, advertising-supported comparison service. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Privacy Policy. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. Reasonable efforts are made This APR will vary with the market based on the Prime Rate.*. This compensation may impact how and where products appear on this site After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. However, many people spend far more on groceries, gas and other necessities than on TV services. [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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. 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. BMO Harris Bank reviews and complaints. 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. 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. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. I applied for bmo Harris MasterCard and was approved for 5k limit. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. You may be able to get more generous perks through other cards, but youll likely have to pay for them. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. 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 you apply for a credit card, the lender may use a different credit score when considering your application for credit. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . How credit scores work. The Cash Back Mastercard comes with no annual fee. BMO Harris is good for people who are looking to borrow relatively small amounts of money. The offers that appear on this site are from companies from which CreditCards.com receives compensation. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. 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. When you click on 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.
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