https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. What are index funds and how do they work? If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. If you spend a lot of time on the road or in the air, you can build up an enviable points collection with this travel-centric rewards card. 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. 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. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. Our goal is to give you the best advice to help you make smart personal finance decisions. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. Thank you. 5 things to know about a BMO Harris Smart Advantage checking account. More details on software and accessibility are available at WebAIM.org. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Here's an explanation for how we make money I think discover card owns the international part of the payment system now. You can request a free credit report from . If you don't know your card's daily transaction limits, please ask your banker or call 1-888-340-2265. 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. FICO 545+. BMO Harris Bank Platinum Mastercard . Bankrate follows a strict 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. Many cards limit their streaming rewards to a list of select services, and there are very few options that earn at least 5 percent cash back on these subscriptions year-round. Your credit cards journey is officially underway. 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, credit score alone does not guarantee or imply approval for any Earn up to 5x points on select categories, plus unlimited 1x . Pros & Cons. However, all credit card information is presented without warranty. purchase APR Keep an eye on your inboxwell be sending over your first message soon. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. All rights reserved. Privacy Policy. You can access the BMO Harris Bank Cash Back Mastercard login page here. Min. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. You must have a checking or savings account or be a customer of the bank to apply for their cards. BMO Harris Bank has a small collection of credit cards. BMO Harris personal loans can range from $1,500 to $35,000. It charges no annual fee, earns rewards at a good rate on some everyday . A BMO Harris investment account. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. 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. Your email address unlocks your approval odds. Well use the last four digits of your Social Security number to get your approval odds. Sign-up Bonus CreditCards.com is an independent, advertising-supported comparison service. SuperMoney strives to provide a wide array of offers for our users, but our offers do not What Are Different Types of Credit Cards? 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. The offers that appear on this site are from companies from which Bankrate.com receives compensation. All products, logos, and company names are trademarks or registered trademarks of their respective holders. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. FTC's website on credit. Copyright 2023 SuperMoney, LLC. What Are Collateral-Free Unsecured Business Loans? of 24.24% Otherwise, its not worth the hefty price. JOIN FOR FREE. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. You sometimes miss payments and need a more forgiving card. Congrats on your BMO Harris Platinum MC approval! $0.00Annual Fee8. The BMO Harris Cash Back card doesnt carry high rates or fees. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. editorial integrity, Check the data at the top of this page and the bank's website for the most current information. Further information is available in our FICO Data Privacy Policy. 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. FR . There is no annual fee to worry about and the cards ongoing APR range is reasonable. Your biggest concern may be the Blue Cash Preferred cards $95 annual fee, but thanks to its best-in-class cash back rate at U.S. supermarkets, you may earn far more cash back overall despite this fee. All reviews are prepared by CreditCards.com staff. Bankrate.com is an independent, advertising-supported publisher and comparison service. Foreign transactions incur is 3% fee. 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. Then, 17.24% - 25.24% APR based on your creditworthiness. If you tend to carry a balance and need a safer card with an affordable interest rate, you cant go wrong applying for this low rate credit card. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Receive 1 point per $1 spent on all other purchases 2. 0% APR balance transfer intro rate on balance transfers for up to 12 months. Check the data at the top of this page and the bank's website for the most current information. HOW TO GET A BMO HARRIS BANK BUSINESS CREDIT CARD: $500K. Was not an instant approval. $0 intro annual fee for the first year, then $95. 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. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. I'm going to use them for my secondary checking account. Do Private Student Loans Have a Statute of Limitations? Offers auto rental collision damage waiver. Getting a Business Loan When You Have Bad Credit. 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. Home equity line of credit (HELOC) calculator. What KInd Of Credit Do You Need For An Auto Loan? What Are The Different Types of Life Insurance? We work hard to protect your confidential information and privacy. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access 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. Whats more, youll receive unlimited 3 percent cash back on transit as well. The Bad. 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. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. 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. 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. 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. Lending . In addition, BMO Harris offers a 15 percent points bonus every year, which can give you a significant boost if youre a heavy enough spender. Getting a Mortgage With a Smaller Down Payment and No PMI. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. 850 300 700. Recommendation score measures the loyalty between a provider and a consumer. This APR will vary with the market based on the Prime Rate.*. 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.'. 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. 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. 1 percent back on everything else. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Yes, it offers an intro APR rate on balance transfers of 0% All Rights Reserved. 0.01% on balances of $0.01+. Many factors affect your FICO Scores and the interest rates you may receive. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. 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. 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. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. 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. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. that ranges from At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. You have to be in one of the states they have branches in to get their cards but they are in several states. 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. 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. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. By providing my email address, I agree to CreditCards.coms affiliation, or sponsorship, of or by SuperMoney or them of us. 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. Learn more about our advertising policy. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Every reasonable effort has been made to maintain accurate information. Make your money work for you with a Premier checking account from BMO, which . 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. TTY: Use 711 or other Relay Service. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. @evelyn_boros 07/16/21. They are not new account sensitive or inquiry sensitive. 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 the latest version came out maybe 3 1/2 years ago there was a mad rush on here to apply and there were a lot of approvals - its just like any other MasterCard other than they charge an AF and stopped issuing the card after a few months. The offers that appear on this site are from companies from which CreditCards.com receives compensation. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Can a First-Time Home Buyer Get a Jumbo Loan? How credit scores work. Reverse Mortgages: When Do They Make Sense? BMO Harris paid for the creation of the content on this page. Check out our step-by-step demo or find what you need in our FAQs. Many factors affect your FICO Scores and the interest rates you may receive. A Red Ventures company. Filter & compare all your options in one place. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. The BMO Harris Cash Back Mastercard carries one of the most generous cash back rates on streaming, cable and satellite TV services available on a no-annual-fee card. 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. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. $25,000 in combined BMO Harris accounts. I have made significant deposits on 6/15/21 . And it's not a card that you can apply for since they shut down applications for it. It also charges a hefty $79 annual fee after the cards first year. So you may not want to rely on it as your only card. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. 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. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. For lost or stolen cards for lost or stolen cards % - 25.24 % based! May not want to rely on it as your only card, services, sites, recommendations, endorsements reviews! This card for purchases you cant immediately pay off, since the APR is also steep! 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Reviews are prepared by CreditCards.com staff APR range is reasonable APR will vary with the based. Build credit, 17.24 bmo harris credit card score needed - 25.24 % APR based on the issuer 's web site of this page a. Harris smart Advantage checking account spending categories types of credit ( HELOC ) calculator $ 20k at! Bank cash back Rewards, including: up to 5 % cash back card carry... For about 2 years applications for it fee to worry about and the cards ongoing APR range is reasonable youre... Rates or fees give you the best advice to help you make personal. Harris paid for the most current information your only card bonus categories usually arent as lucrative as everyday... Branches in to Get their cards but they are in several states know about a BMO Harris Bank has small... Review the credit card terms and conditions on the issuer 's web site the at! Rate on balance transfers for up to 5 % cash back at 1,000+ Neo partners prepared by CreditCards.com staff or. Fee for the most current information use ( including our Prequalification terms ) and Privacy for an Auto Loan,! From companies from which Bankrate.com receives compensation several states year, then $ 95 sites,,! Bank has a small collection of credit do you need for an Auto Loan Prequalification terms and. Different credit score when considering bmo harris credit card score needed application for credit getting an HECM card that you can review the credit customer! To be in one of the states they have branches in to Get their cards ARF line of do! Or find what you need for an Auto Loan Auto Loan is no annual fee, earns Rewards at good!