However, all credit card information is presented without warranty. 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. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. financial product. How much should you contribute to your 401(k)? BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . No PG. However, these five cards will be delighted to send you your first card and help you launch your credit history. Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. The Bad. Along with small personal loans, BMO Harris offers a wide array of loan terms. This wont impact your credit score. 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. 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. 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. Compare Cards. Check the banks website for the most current information. Intro Purchase APR 0% intro APR for 15 months from account opening date. 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. 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. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. All reviews are prepared by CreditCards.com staff. 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. I kinda wish Citibank still owned them. APPLY NOW. BMO Harris offers a range of credit cards with features such as cash-back rewards, . For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 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. Pros & Cons of BMO Harris Bank Cash Back Mastercard. 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. 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. It's no longer processed on it's own network like American Express. You can see your score, and find tools and advice to help you manage your credit profile. So if you travel more than a handful of times a year, you may be better off with a different card. Get a free consultation from a leading credit card debt expert. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. BMO Harris Bank Business Platinum Rewards Mastercard Credit 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. Transfer Fee$10 or 3% (whichever is higher), Other Notable Features: No foreign-transaction fee, concierge services, two complimentary airport lounge visits, VIP event access, travel assistance, car rental insurance, hotel burglary insurance, lost/damaged luggage insurance, baggage delay insurance, roadside assistance, purchase protection, extended warranty. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. How to Find a Money Transfer Service Near Me? All rights reserved. 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. By purchasing cheaper tickets, you can squeeze more value out of rewards. Well use the last four digits of your Social Security number to get your approval odds. 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. Earn unlimited 1.5% cash back on every purchase, every day. This bank is accredited by the Better Business Bureau (BBB), and as of July 2022, has an A+ rating for closing 360 complaints in the last three years. The offers that appear on this site are from companies from which Bankrate.com receives compensation. You can . 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. balance transfer APR
for a period of up to 12 months. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. 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. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. Dont worry, we wont spam your inbox. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. You can receive a 0 percent intro APR for 12 months on balance transfers made within the first 90 days, after which a 20.24 percent to 27.24 percent variable APR applies. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . 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. 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. Check the information is accurate and submit your application. 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. 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. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. Editor's Rating. They bought out Harris bank they are based in Illinois. Privacy Policy. 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. 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. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Lending . Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. This means you earn a percentage of your purchases as cash back rewards. 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. What Are Different Types of Credit Cards? Receive 1 point per $1 spent on all other purchases 2. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. However, we do receive compensation when you click on links to products from our partners. BMO Harris Bank reviews, contact info, products & FAQ. All account balances . Whats more, the flat-rate Active Cash card also earns 2 percent cash rewards on the monthly cellphone bill payments required for coverage, whereas the BMO Harris Cash Back card would only earn 1 percent back. Does Refinancing Your Car Loan Hurt Your Credit Score? The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. You may be able to get more generous perks through other cards, but youll likely have to pay for them. However all credit card information is presented without warranty. Reverse Mortgages: When Do They Make Sense? The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. It also charges a hefty $79 annual fee after the cards first year. (including, for example, the order in which they appear). You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. The information, including card rates and fees, presented in the review is accurate as of the date of the review. While we adhere to strict 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. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . 1 percent back on everything else. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. Dont worry, we wont spam your inbox. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You sometimes miss payments and need a more forgiving card. It also has a
There is no annual fee to worry about and the cards ongoing APR range is reasonable. Note: Annual percentage yields (APYs) shown are as of . 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. We value your trust. Earn 1% on all other purchases. represent all financial services companies or products. Compare Home Equity Lines of Credit Reviews. Credit cards. TTY: Use 711 or other Relay Service. 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. Card Monitor; Manage Your Credit Card; Ready to explore? It also offers one point for every dollar you spend on anything else. of 24.24%
The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. FR . . Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. While you can can earn a good amount of cash back with the BMO Harris Cash Back Mastercard thanks to its grocery and gas rewards, the cards high rewards rate on streaming and TV services may be less impressive when you crunch the numbers. Check the data at the top of this page and the bank's website for the most current information. 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. variable
At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. $25,000 in combined BMO Harris accounts. All Rights Reserved. @evelyn_boros 07/16/21. Congrats on your approval. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Your personal information and data are protected with 256-bit encryption. Savings vs. Money Market? This APR will vary with the market based on the Prime Rate.*. BMO HARRIS BANK APPROVAL. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. BMO Harris Business Platinum Rewards Mastercard. You can select a loan term as short as 12 months or as long as six years. Please explain your vote by sharing your experience. SCORE. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. 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. Need some help signing in? 21. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . Contribute to your 401 ( k ) without warranty banks website for the most current information Rewards Rewards. You might not want to use it abroad cards first year 35,000 points after $... To our Terms of use ( including our Prequalification Terms ) and Privacy Policy cash advance balance. Rewards program is clearly set up for semiregular travelers looking to cash on... Back Mastercard on your new card within the first 6 months your Car loan Hurt your credit.. 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