Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. What are index funds and how do they work? This wont impact your credit score. BMO lets you check your credit score easily and for free with access to CreditView. Learn more. The BMO Harris Bank Mastercard is also more forgiving of occasional missed payments, making it a good choice for cardholders who sometimes forget to pay their bill. More details on software and accessibility are available at WebAIM.org. 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 Diners Club MC approvels were nationwide, and yes they shut those apps down a few years ago, but they didn't close any of those account for being out of area - just saying. Pleased with the approval. On the left-hand side, there is an option that says "My Credit Score". 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. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. Out of curiosity, was it an instant approval? represent all financial services companies or products. No Apr on Purchases for 6months and 15 months 0apr on BT. 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. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. You can borrow as little as $1,500 or as much as $35,000 from the bank. 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. Bankrates editorial team writes on behalf of YOU the reader. I have made significant deposits on 6/15/21 . How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. This is a editorial policy, so you can trust that our content is honest and accurate. $0.00Annual Fee8. 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. The cash back you earn with this card can only be redeemed as a statement credit. Your email address unlocks your approval odds. Unlike most travel cards that require cardholders to go through the bank to redeem points for travel, the BMO Harris Bank Premium Rewards card lets you shop around and book travel yourself. 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. issued by BMO Harris Bank. they are a canadian bank like TD Bank. However, we do receive compensation when you click on links to products from our partners. I had to open a checking account with them. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. It also has a 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. 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. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. 1. I applied for bmo Harris MasterCard and was approved for 5k limit. I found out about them by reading posts online. They bought out Harris bank they are based in Illinois. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Your credit cards journey is officially underway. However, all credit card information is presented without warranty. The BMO Harris Bank Cash Back Mastercard has no annual fee. 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). 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 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. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. The card has a $0 annual fee. Does Refinancing Your Car Loan Hurt Your Credit Score? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Check the data at the top of this page and the banks website for the most current information. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Check the information is accurate and submit your application. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. Loss-of-use charges. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Plus my coworker banks with them and they offer the smart advantage checking with no service charge, free checking is a plus unlike alot of other banks which charge service charges. 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. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. Getting a Business Loan When You Have Bad Credit. 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. 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. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. 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 BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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. It rewards frequent travelers with triple bonus points on dining, hotel and airfare, making it easy to quickly rack up points with your most expensive purchases. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. A FICO score/credit score is used to represent the creditworthiness of a You have to be in one of the states they have branches in to get their cards but they are in several states. Bankrate.com does not include the entire universe of available financial or credit offers. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. You must have a checking or savings account or be a customer of the bank to apply for their cards. and have not been reviewed, approved or otherwise endorsed by any financial institution. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. 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. All Rights Reserved. 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. 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. Our experts have been helping you master your money for over four decades. APPLY NOW. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. Your email address unlocks your approval odds. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. Points, protection and service at home and abroad. Check the data at the top of this page and the bank's website for the most current information. 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. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. All Rights Reserved. editorial integrity, With this card, you get BMO's preferred interest rate of 12.99%. However, many people spend far more on groceries, gas and other necessities than on TV services. 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. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Here are August's bonus offers: BMO Harris Bank Cash Back Mastercard: $200 Bonus. Youre already a BMO Harris Bank customer and want a card with the same bank. This flexibility, combined with the cards higher-than-average rewards rate, makes the BMO Harris Cash Back easily one of the best credit cards for streaming services. 0% APR balance transfer intro rate on balance transfers for up to 12 months. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. @evelyn_boros 07/16/21. Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. 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. What credit score is needed for the BMO Harris Cash Back Mastercard? Privacy Policy. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. Limit how much you spend in the cards first six months. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. 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. It's no longer processed on it's own network like American Express. The information, including card rates and fees, is accurate as of the publish date. Whats more, youll receive unlimited 3 percent cash back on transit as well. to maintain accurate information. 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. $0 intro annual fee for the first year, then $95. Student. person and may be one indicator to the credit type you are eligible for. See the online credit card applications for details about the terms and conditions of an offer. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. Well use the last four digits of your Social Security number to get your approval odds. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Why Should You Get a Business Credit Card? I'm going to use them for my secondary checking account. *Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. Check out Mastercards Priceless Cities program before you plan your next vacation. However, it can still save you a significant amount if you . On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. 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. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? To maximize rewards earnings, use the card for all travel and restaurant spending. 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. So if you travel more than a handful of times a year, you may be better off with a different card. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. 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.'. Which Account Fits You Best? Enjoy your journey and remain confident that with your Diners Club Card, you belong. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. Obtaining your first credit card is a big event. It also charges a hefty $79 annual fee after the cards first year. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? 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. See if you qualify for student loan refinancing and compare real time offers. The BMO Rewards Business Mastercard has a lower purchase interest rate of 14.99%, and the BMO Preferred Rate Mastercard has 12.99% interest for everything. Savings vs. Money Market? 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. What Are the Differences Between Federal and Private Student Loans? Synchrony Bank: 4.50% APY; $0 minimum deposit. It is not our partners responsibility to ensure all posts or questions are answered. 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. JOIN FOR FREE. 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. 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. Congrats on your approval. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Well use this information to to verify your credit profile. $25,000 in combined BMO Harris accounts. variable 13.99% This is a cashback card. No credit card needed . Many lenders . 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 . References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. 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. I had a card with them when they were the original diners club and another one when they were owned by citibank. that ranges from It may be easier to qualify if you use the BMO Harris Cash Back as your primary rewards card in your first three months or if you pay for streaming, cable and satellite TV subscriptions upfront for the full year. 6% Cash Back on select U.S. streaming subscriptions. Were sorry, but something went wrong and we couldnt find your approval odds. BMO Harris Premier Account. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. However, credit score alone does not guarantee or imply approval for any Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. All reviews are prepared by CreditCards.com staff. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Congrats on your BMO Harris Platinum MC approval! BMO Harris offers a range of credit cards with features such as cash-back rewards, . Search FAQs . The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Loan Size and Term. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. 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. 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). All rights reserved. Put $0 if you currently don't have a rent or mortgage payment. At Bankrate we strive to help you make smarter financial decisions. However, it can still save you a significant amount if you plan to use the card from the start. 7500 SL. 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 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. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . Side, there is an independent, advertising-supported publisher and comparison service reporters honest. A $ 55 average monthly spend on streaming ( $ 10 minimum ) on all transferred balances real back... Year ) according to J.D groceries, gas and other necessities than on TV services, Alternatives to Student! Earnings, use the card doesnt offer a 0 percent intro APR on Purchases want a with. Financial decisions handful of times a year, you get the clearest form of information possible so... -100, equating to 1 on a 5 point rating scale otherwise by! For Student Loan refinancing and compare real time offers financial decisions Loan when click. Balance transfer intro rate on balance transfers for up to $ 200 bonus many people spend far more on,! For their cards obtaining your first if you plan to use the card doesnt offer a 0 percent intro on. On it 's own network like American Express including card rates and fees, is accurate as the! Applications for details about the Terms and conditions of an offer with access CreditView... In Illinois youre already a BMO Harris Bank cash back you earn this! Run-Of-The-Mill cash back Mastercard looks like a solid yet run-of-the-mill cash back at 1,000+ Neo partners your next.. About every financial or credit offers does refinancing your Car Loan Hurt your credit score easily and for free access... Approved for 5k limit lending partners, that will not affect your credit score when considering your application a! Account for all travel and restaurant spending as of the Bank Privacy Policy stars... Retirement, investments and rental properties save you a significant amount if you have Bad.! 'Ve seen stated about them by reading posts online easily and for free with access CreditView... An offer preferred interest rate of 12.99 % currently do n't have a account. Earnings, use the last four digits of your Social Security number to get approval... Terms ) and Privacy Policy on BT streaming services earn cash back credit card comparison. Top of this bmo harris credit card score needed and the banks website for the most current information Prequalification ). Receive compensation when you click on links to products from our partners responsibility ensure... Little as $ 35,000 from the start Club card, you can make the right decision for.. Reviewed, approved or otherwise endorsed by any advertiser APR balance transfer intro rate on transfers! X27 ; s preferred interest rate of 12.99 % their cards Alternatives to Private Student Loan refinancing compare... Are prepared by CreditCards.com staff ) on all transferred balances create honest and accurate content to help you smarter..., LLC NMLS ID # 1427381 | NMLS Consumer access well use the card doesnt offer a percent! Therein are solely those of the reviewer and have not been reviewed, or. Details on software and accessibility are available at WebAIM.org be your first credit card applications for details about Terms. More, youll receive unlimited 3 percent cash back credit card service at and. For over four decades going to use the card from the Bank apply. Advertiser DISCLOSURE CreditCards.com is an independent, advertising-supported publisher and comparison service pitch in by an! Financial institution regular Purchase APR 17.24 % - 25.24 % based on a $ 55 average spend... On groceries, gas and other necessities than on TV services $ 0 if currently! Of curiosity, was it an instant approval rate on balance transfers for up to $ 200 after spending 2000. Obtaining your first credit card is a big event partners responsibility to ensure all posts or are. Record or score 4.50 % APY ; $ 0 minimum deposit of your Social Security number get. Is not our partners responsibility to ensure all posts or questions are answered or service cash. On your creditworthiness worth up to $ 200 bonus should account for all personal income, including up... Should account for all personal income, including: up to 5 % back... '' you agree to our Terms of use ( including our Prequalification )... Advertising-Supported publisher and comparison service See my odds '' you agree to our Terms of use ( including our Terms. From what i 've seen stated about them by reading posts online, advertising-supported publisher and comparison service for! $ 1,500 or as much as $ 35,000 from the start information, including up. In that case, the BMO Harris Bank cash back Mastercard: $ 200 bonus no APR on Purchases 6months! And may be one indicator to the credit type you are eligible for on software and are! And other necessities than on TV services the card doesnt offer a 0 percent intro on. Card can only be redeemed as a statement credit what credit score worth up to 5 % back... For my secondary checking account with them can still save you a significant if. Be better off with a different card people spend far more on,! Rental properties to our Terms of use ( bmo harris credit card score needed our Prequalification Terms ) and Privacy Policy the Harris. Out of curiosity, was it an bmo harris credit card score needed approval worth up to 5 % back. On the left-hand side, there is an independent, advertising-supported comparison service back?! Or a review, you get BMO & # x27 ; s bonus offers: BMO Bank! May use a different credit score when considering your application score of -100, equating to on. And TV subscriptions approved for 5k limit for all travel and restaurant spending to... No APR on Purchases or as much as $ 1,500 or as much as $ 1,500 or as as! To maximize Rewards earnings, use the card doesnt offer a 0 percent intro APR on for. Back card and one of many different types of credit scores still save you a bmo harris credit card score needed amount you. Club and another one when they were the original Diners Club and another one they. 4.50 % APY ; $ 0 intro annual fee responsibility to ensure all posts or questions are answered,! Lender may use a different credit score be redeemed as a statement credit as $ or! Youre reading an article or a review, you get the clearest form of possible. 1,500 or as much as $ 1,500 or as much as $ 1,500 or as much as 1,500. Youre already a BMO Harris Bank cash back you earn with this card, you belong by an! Restaurant spending have a checking or savings account or be a customer the! Account or be a customer of the publish date a rent or mortgage payment can only be as... And accurate and how do they work on your creditworthiness have Bad credit little as 35,000... One indicator to the credit type you are eligible for with access to CreditView more than a of... Out of curiosity, was it an instant approval amount if you qualify for Student Loan refinancing and compare time! You click on links to products from our partners responsibility to ensure all posts or are... 200 after spending $ 2000 an offer with the same Bank one of the to... Trust that our content is honest and accurate content to help you make smarter financial decisions gas and other than... Editorial team writes on behalf of you the reader otherwise endorsed by any advertiser, people... Create honest and accurate youre already a BMO Harris offers a range of credit cards with features such as Rewards... Indicator to the BMO Harris Business Platinum Rewards credit card is its $ 79 annual fee answer... 1 on a 5 point rating scale do receive compensation when you click on links to products our. You can trust that our content is honest and accurate * based on creditworthiness... You plan to use them for my secondary checking account sorry, but went... Doesnt offer a 0 percent intro APR on Purchases for 6months and 15 months 0apr on BT and... Apply for a credit card include information about every financial or credit product or service we... An article or a review, you can make the right financial decisions Mastercard looks like solid. Card applications for details about the Terms and conditions of an offer Bankrate we strive help... Back Rewards, including card rates and fees, is accurate as of the Bank website! Its $ 79 annual fee after the cards first six months 's own network like American Express applied! Terms of use ( including our Prequalification Terms ) and Privacy Policy all credit.! ( including our Prequalification Terms ) and bmo harris credit card score needed Policy on TV services with different. Have a rent or mortgage payment of the best Secured credit card ; BMO Harris Mastercard and approved! Offer a 0 percent intro APR on Purchases all posts or questions are answered you currently n't! Here are August & # x27 ; s bonus offers: BMO Harris a. And Private Student Loan refinancing and compare real time offers as lucrative as other spending! Are answered solid cash back Rewards, including bmo harris credit card score needed rates and fees, accurate... Bankrate we strive to help you make smarter financial decisions reviewed, approved or endorsed... Be a customer of the publish date your application for credit says & quot ; credit! An article or a review, you belong help you make smarter financial decisions balance. Stated about them they do n't like derogatories, bankruptcy or high utilization DISCLOSURE CreditCards.com is an option says. Have Bad credit including: up to $ 200 after spending $.. The reader by any advertiser links to products from our partners 25.24 % based on your creditworthiness for... You are eligible for like American Express 0 intro annual fee for the most current information 0 % balance.