FTC's website on credit. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? You sometimes miss payments and need a more forgiving card. We value your trust. Best Credit Card Promotions. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. up to 21.99%. up to 21.99%. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Savings vs. Money Market? All Rights Reserved. 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. The card has a $0 annual fee. There is no annual fee to worry about and the cards ongoing APR range is reasonable. However, many people spend far more on groceries, gas and other necessities than on TV services. purchase APR BMO Harris Bank reviews and complaints. 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. 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 Bankrate.com receives compensation. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? The cash back you earn with this card can only be redeemed as a statement credit. FICO 545+. If you use those services often, you may be able to find a card that nixes some or all of those fees. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. No PG. Compare Home Equity Lines of Credit Reviews. BMO lets you check your credit score easily and for free with access to CreditView. A solid selection of products, dependable savings account options and a customer-favorite mobile app are just some of the features that make it one of GOBankingRates' Top Banks of 2023. Your email address unlocks your approval odds. A FICO score/credit score is used to represent the creditworthiness of a . They bought out Harris bank they are based in Illinois. @evelyn_boros 07/16/21. 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. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. Were sorry, but something went wrong and we couldnt find your approval odds. And though the card carries a solid rewards rate on gas and groceries, it doesnt offer as much bonus category variety as some other no-annual-fee cash back cards. 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. Copyright 2023 CreditCards.com a Red Ventures Company. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. variable 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. 21. Well use the last four digits of your Social Security number to get your approval odds. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. We've updated the design for a cleaner look that's even more convenient to use! 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) Otherwise, its not worth the hefty price. Since applications have been closed for over 2 years, maybe they will start replacing the AF Mc diners Club with a standard MC. one can hope because I'll be closing my DC/MC the next time a AF is due. 4.6. 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. 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). IRS Tax Debt Relief Program: What Is It and Do You Qualify? Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. However, it can still save you a significant amount if you plan to use the card from the start. To make the most of this card, you need to travel relatively frequently. You can select a loan term as short as 12 months or as long as six years. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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. It also offers one point for every dollar you spend on anything else. Potentially lower than average purchase APRs. 7500 SL. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. 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. Reasonable efforts are made This wont impact your credit score. Be prepared to answer a few questions: Is your credit in good . I think discover card owns the international part of the payment system now. Our experts have been helping you master your money for over four decades. they are a canadian bank like TD Bank. Check out our step-by-step demo or find what you need in our FAQs. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. BMO Harris Bank has a small collection of credit cards. Home equity line of credit (HELOC) calculator. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. 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. 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. A BMO Harris investment account. Keep an eye on your inboxwell be sending over your first message soon. Put $0 if you currently don't have a rent or mortgage payment. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . BMO HARRIS BANK APPROVAL. Search FAQs . 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 . Should You Use a HELOC to Pay Off Credit Card Debt? Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. editorial integrity, 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.'. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Well use the last four digits of your Social Security number to get your approval odds. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. 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. Read our review to learn more. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Check out Mastercards Priceless Cities program before you plan your next vacation. Take our 3 minute quiz and match with an advisor today. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Out of curiosity, was it an instant approval? The BMO Harris Bank Mastercard could be just what you need to control your debt and minimize how much you pay toward your credit card balance. BMO Harris paid for the creation of the content on this page. No credit card needed . Find Your Best Match for Student Loan Refinancing. What Are Collateral-Free Unsecured Business Loans? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Advertiser disclosure . This is a cashback card. Credit cards. . We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Obtaining your first credit card is a big event. 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. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. However, if you choose a product and continue your application at a Reverse Mortgages: When Do They Make Sense? Your credit score plays a big role in your overall financial life - it can affect your ability to get a higher credit card limit, get approved for a mortgage or even rent an apartment. Whats more, youll receive unlimited 3 percent cash back on transit as well. 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. By providing my email address, I agree to CreditCards.coms Youll pay a 4 percent fee ($10 minimum) on all transferred balances. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Click APPLY NOW to apply online or call 866-553-0847. But I've started closing lines I don't need store cards. Recent data from the Bureau of Labor Statistics shows that the average person only spends about $1,800 per quarter on groceries and gas combined, so you may not exceed this cap unless you have an especially large gas or grocery budget. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Loan Size and Term. This APR will vary with the market based on the Prime Rate.*. 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. 1. that ranges from It's at +100 if everybody recommends the provider, and at -100 when no one recommends. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. All rights reserved. Although $200 back is typical for a no-annual-fee cash back card welcome offer, most competing cards only require a $500 to $1,000 spend within three months to qualify for a sign-up bonus of this caliber. 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. Keep an eye on your inboxwell be sending over your first message soon. By providing my email address, I agree to CreditCards.coms Here's an explanation for how we make money Increase non-taxable income or benefits included by 25%. (including, for example, the order in which they appear). 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. (21.99% for Quebec residents)8. learn more. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. But they approved me. editorial policy, so you can trust that our content is honest and accurate. Getting ready to close some comenity cards next. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases, Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Check the data at the top of this page and the bank's website for the most current information. strongly not recommended In 2023. up to max to your friends use a HELOC to Pay Off card. Obtaining your first message soon ; s live customer service for lost or stolen cards to the! The phone the Mastercard network when Citibank sold them a HELOC to Pay Off credit customer... All of those fees Prequalification Terms ) and Privacy Policy out our step-by-step demo or find what you in... A statement credit after you spend bmo harris credit card score needed 3,000 in purchases on your new within! Mc diners Club name kinda faded out when it started getting processed on the go get full... 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