We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. recommended credit score: 660. JOIN FOR FREE. 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. 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. 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. Best Credit Card Promotions. CreditCards.com is an independent, advertising-supported comparison service. Bmo Harris MasterCard approval. no annual fee, 12 months 0% balance transfer rate. 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. Credit Card Customer Service Consumer Cards . The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. 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. 13.99% The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Heres a breakdown of how much cash back we estimate the average spender* can expect to earn each year in this cards bonus categories: As you can see, unless you spend heavily on streaming services, you may only earn enough cash back via this category to cover a few months of one subscription. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). represent all financial services companies or products. What Are Different Types of Credit Cards? The offers that appear on this site are from companies from which CreditCards.com receives compensation. 13.99% BMO Harris Bank Platinum Mastercard . 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. variable the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. We maintain a firewall between our advertisers and our editorial team. There is no annual fee to worry about and the cards ongoing APR range is reasonable. Take our 3 minute quiz and match with an advisor today. We've updated the design for a cleaner look that's even more convenient to use! This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. 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. However, if you choose a product and continue your application at a BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. Many factors affect your FICO Scores and the interest rates you may receive. Further information is available in our FICO Data Privacy Policy. Went to underwriter. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. cash advance APR 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. 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. 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. 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. 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.'. More details on software and accessibility are available at WebAIM.org. However, credit score alone does not guarantee or imply approval for any BMO Harris Bank - Bank of Montreal Harris Bank. 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. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 Cardholders do get access to VIP events through Mastercards Priceless Cities program. Bankrate.com is an independent, advertising-supported comparison service. 0% APR balance transfer intro rate on balance transfers. Lots of inq and new accounts. $293. 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. I had to open a checking account with them. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The card has a $0 annual fee. Even if your interest rate is relatively low, the interest youre assessed can still add up quickly if you cant afford to repay debt in a reasonable period. Earn unlimited 1.5% cash back on every purchase, every day. 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. FICO 545+. When you click on In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the cards first six months. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. 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 Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. 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. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. For example, the policy on the Wells Fargo Active Cash Card and other Wells Fargo credit cards covers up to two $600 theft and damage cellphone protection claims each year for up to $1,200 in total coverage when you pay your monthly cell phone bill with the card. Our editorial team does not receive direct compensation from our advertisers. A 3 percent cash back rate on groceries and gas is impressive, as only a few no-annual-fee cards offer a rate this high in both of these popular categories. $25,000 in combined BMO Harris accounts. The Cash Back Mastercard comes with no annual fee. Bankrate.com does not include the entire universe of available financial or credit offers. Can a First-Time Home Buyer Get a Jumbo Loan? BMO Harris has 14 customer reviews on Trustpilot, where it has a . If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. 22.99%for Cash Advances8. Our experts have been helping you master your money for over four decades. Was not an instant approval. 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. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. No balance transfer fee. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. $0 intro annual fee for the first year, then $95. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. Read our review to learn more. 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. Rest assured that yo I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. The credit score is provided for free by TransUnion. I have made significant deposits on 6/15/21 . ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. spend of $2,500). How to Find a Money Transfer Service Near Me? Filter & compare all your options in one place. Unlike most low interest rate cards that advertise a wide range of potential APRs, this card offers just a narrow range of possible interest rates all of which are well below average for a low interest rate card. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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). Privacy Policy. 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. They are much more liberal than TD Bank. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. Well use this information to to verify your credit profile. No Apr on Purchases for 6months and 15 months 0apr on BT. We work hard to protect your confidential information and privacy. Potentially lower than average purchase APRs. Your email address unlocks your approval odds. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. 1st United CU Starter Visa Platinum Credit Card, Advantage One CU Visa Platinum Credit Card, Associated Credit Union of Texas Secured MasterCard, Berkshire Bank Visa Signature Max Cash Preferred Credit Card, Exchange Bank Visa Signature College Real Rewards Card, General Electric Credit Union Gold Credit Card, Georgias Own Visa Signature Rewards Credit Card, McCoy Federal Credit Union Visa Platinum Low Rate, Balance Transfer APR (Variable APR), Balance Transfer Fee % After Intro Period, No Interest Grace Period for Late Payment, Average daily balance (including new transactions)., Balance Transfer Introductory APR (Variable APR), Balance Transfer Intro APR Period (Variable APR), Filter & compare all your options in one place. IRS Tax Debt Relief Program: What Is It and Do You Qualify? 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. 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. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. Loss-of-use charges. explore the accounts we offer and apply online . Obtaining your first credit card is a big event. FTC's website on credit. Savings vs. Money Market? A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. 21. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. BMO Harris Business Platinum Rewards Mastercard. editorial policy, so you can trust that our content is honest and accurate. This wont impact your credit score. Lending . 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 must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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. The BMO Harris Bank Premium Rewards card also offers a number of appealing travel benefits that can help take the sting out the cards annual fee. Their use does not signify or suggest the endorsement, You occasionally use fee-based services, such as cash advances, and want a card with lower fees. It charges no annual fee, earns rewards at a good rate on some everyday . A lot of people think of savings accounts when it comes to earning interest, but there are actually many options for checking accounts that earn interest too. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. They pulled transunion my score was 739. FTC's website on credit. Then, 17.24% - 25.24% APR based on your creditworthiness. 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. Increase non-taxable income or benefits included by 25%. Getting ready to close some comenity cards next. 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. However, these five cards will be delighted to send you your first card and help you launch your credit history. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 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 BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. You must have a checking or savings account or be a customer of the bank to apply for their cards. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. 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. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. 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. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. It also offers one point for every dollar you spend on anything else. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. Youre already a BMO Harris Bank customer and want a card with the same bank. Compare Home Equity Lines of Credit Reviews. 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. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. 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