Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. Bankrate has answers. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Cardholders with the best credit can qualify for an APR as low as 8.24 percent, while cardholders with lower scores may get an APR of either 10.24 percent or 13.24 percent. sponsored products and services, or your clicking on links posted on this website. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. Fill in the application form. Receive 1 point per $1 spent on all other purchases 2. Privacy Policy. 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. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. . Get 5% cash back on eligible streaming, cable TV and satellite services Get 3% cash back on eligible gas and grocery purchases Get 1% cash back on all other eligible purchases, $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Check the data at the top of this page and the bank's website for the most current information. The owner of this website may be compensated in exchange for featured placement of certain 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. up to 21.99%. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. 0% APR balance transfer intro rate on balance transfers. The cards quarterly restrictions on bonus spending limit how much you can earn, though, so it may not be as valuable if you travel more than a handful of times a year. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. This is a Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Click on the "My Profile & eDocuments" tab. Potentially lower than average purchase APRs. . However, its intro APR offer may be lackluster if you need a break from interest. 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. This APR will vary with the market based on the Prime Rate.*. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. If you prefer sticking to cash back cards with no annual fee, the Capital One SavorOne Cash Rewards Credit Card may better reward your food and entertainment purchases. 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. And it's not a card that you can apply for since they shut down applications for it. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. On the left-hand side, there is an option that says "My Credit Score". The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. 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. FTC's website on credit. 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 goal is to give you the best advice to help you make smart personal finance decisions. For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the cards moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. It's no longer processed on it's own network like American Express. Many lenders . EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. 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. They are not inquiry sensitive. BMO Harris Premier Account. 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. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Opinions expressed therein are solely those of the reviewer 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. However, all credit card information is presented without warranty. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . Evelyn Boros, Credit Cards Moderator. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. This is a cashback card. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. Pros & Cons. To make the most of this card, you need to travel relatively frequently. With this card, you get BMO's preferred interest rate of 12.99%. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. The Bad. Learn about the options that allow you to earn points and rewards in this guide! 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. They bought out Harris bank they are based in Illinois. may affect your credit. cashback credit card 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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. The information, including card rates and fees, is accurate as of the publish date. Compare real offers from multiple lenders. Bankrate.com does not include the entire universe of available financial or credit offers. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. 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. Check the data at the top of this page and the banks website for the most current information. 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. Learn more about our advertising policy. This editorial content is not provided by any financial institution. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. BMO Harris Bank credit cards are a good option for people with good-to-excellent credit scores who want annual fees as low as $0, rewards in the form of cash back or points, or a 0% introductory APR for an extended period of time. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. Every reasonable effort has been made to maintain accurate information. balance transfer APR Read our review to learn more. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. . 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. recommended credit score: 660. BMO Harris Bank reviews and complaints. 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. Instead, youll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards youre likely to be approved for. Fortunately, the cards terms mention that this credit can apply to eligible BMO Harris Bank accounts other than your credit card, including BMO Harris checking, savings and money market accounts. 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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Make your money work for you with a Premier checking account from BMO, which . Student. Pros & Cons of BMO Harris Bank Cash Back Mastercard. What do I need to prepare before meeting with a lender? Our editorial team does not receive direct compensation from our advertisers. 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. What credit score is needed for the BMO Harris Cash Back Mastercard? All Rights Reserved. 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. Can You Build Credit With a Prepaid Credit Card? 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. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Lending . 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. You can . 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. financial product. Terms apply to the offers listed on this page. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Although it earns just 3 percent cash back on popular streaming services and 1 percent on gas, the SavorOne can outperform the BMO Harris card with unlimited rewards on a wider variety of expenses including grocery store purchases, dining, entertainment and select travel purchases. $25. Search FAQs . Getting a Business Loan When You Have Bad Credit. Unless you have a hefty cable or satellite TV bill, it will be hard to earn as much with the BMO Harris Cash Back card as you would with the Blue Cash Preferred. Our experts have been helping you master your money for over four decades. BMO HARRIS BANK APPROVAL. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. Compare Home Equity Lines of Credit Reviews. Further information is available in our FICO Data Privacy Policy. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Personal Loan Vs. Line Of Credit: Which Is Better? SuperMoney strives to provide a wide array of offers for our users, but our offers do not Pay attention to how much dining and travel youre purchasing. Enjoy your journey and remain confident that with your Diners Club Card, you belong. 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