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. However, its intro APR offer may be lackluster if you need a break from interest. The owner of this website may be compensated in exchange for featured placement of certain More details on software and accessibility are available at WebAIM.org. Unfortunately, this BMO Harris everyday checking account isn't one of them. 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. Bankrates editorial team writes on behalf of YOU the reader. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. You might not get much use out of perks like Mastercards 15 percent discount on Airport Concierge meet and greet services if youre interested in the BMO Harris Cash Back card for its everyday cash back categories. Went to underwriter. 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. strongly not recommended Depending on how much you spend on gas, you may earn more cash back with the SavorOne thanks to its wider variety of everyday bonus categories, despite its lower rate on streaming services. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. FTC's website on credit. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. I found out about them by reading posts online. to maintain accurate information. However, all credit card information is presented without warranty. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. 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. 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. What Are Collateral-Free Unsecured Business Loans? balance transfer APR This compensation may impact how and where products appear on this site If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. It also offers one point for every dollar you spend on anything else. If you use those services often, you may be able to find a card that nixes some or all of those fees. Points, protection and service at home and abroad. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. 20.99%for Purchases8. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Bankrate follows a strict (21.99% for Quebec residents)8. learn more. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. Youre already a BMO Harris Bank customer and want a card with the same bank. Your email address unlocks your approval odds. 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. Users must have a BMO Harris debit or ATM Card. 2022) Credit Score Needed: Good FICO Score (about 670 or above). to maintain accurate information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. You can redeem the cash back youve earned with the BMO Harris Cash Back Mastercard by logging into your BMO Harris Bank account, going to the Account Details page and selecting View and Redeem., BMO Harris Cash Back vs. other cash back cards, Connect with Garrett Yarbrough on LinkedIn. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. It also has a Youre already a BMO Harris Bank customer and want a card with the same bank. No PG. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Put $0 if you currently don't have a rent or mortgage payment. No balance transfer fee. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. Congrats on your approval. Earn up to 5x points on select categories, plus unlimited 1x . The card has a $0 annual fee. Earn unlimited 1.5% cash back on every purchase, every day. Getting ready to close some comenity cards next. If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. up to 21.99%. Home equity line of credit (HELOC) calculator. CreditCards.com is an independent, advertising-supported comparison service. 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 Harris Cash Back card doesnt carry high rates or fees. I kinda wish Citibank still owned them. 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. You may be able to get more generous perks through other cards, but youll likely have to pay for them. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases, Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. We value your trust. A 2% fee applies to transferred balances. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. The information, including card rates and fees, presented in the review is accurate as of the date of the review. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. The BMO Harris Bank Cash Back Mastercard is a cash back credit card with no annual fee and a decent rewards program geared toward people who spend lightly to moderately on gas and groceries.This rewards scheme is similar to BMO Harris Bank Platinum Rewards Mastercard's, with the major difference that rewards accrue as cash back instead of BMO Harris Rewards loyalty currency, which can be . All products, logos, and company names are trademarks or registered trademarks of their respective holders. $25 per month. Fill in the application form. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. But Citi sold them off. 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. BMO Harris Bank - Bank of Montreal Harris Bank. Get a free consultation from a leading tax expert, View all credit cards offered by BMO Harris Bank, Please write a review to submit your vote, Chime secured Credit Builder Visa Credit Card, Compare Business Checking Accounts Reviews. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 6% Cash Back on select U.S. streaming subscriptions. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. However, if you choose a product and continue your application at a Check the data at the top of this page and the bank's website for the most current information. Offers auto rental collision damage waiver. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. However, we do receive compensation when you click on links to products from our partners. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Visit the BMO Harris Bank Cash Back Mastercard website. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Business Loans for New Businesses: What You Need To Know ? You can see your score, and find tools and advice to help you manage your credit profile. 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. Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. issued by BMO Harris Bank. 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. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Potentially lower than average purchase APRs. 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. Filter & compare all your options in one place. 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. This means you earn a percentage of your purchases as cash back rewards. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Your credit cards journey is officially underway. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. Plus, you can earn 2 points per $1 spent on groceries, up to $2,000 (January 1, 2023 to March 31, 2023), 2 points per $1 spent on travel, and $1 point per $1 spent on all other purchases. . Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. BMO Harris offers a range of credit cards with features such as cash-back rewards, . APPLY NOW. This editorial content is not provided by any financial institution. 0% APR balance transfer intro rate on balance transfers. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . 4.6. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Getting ready to close some comenity cards next. It is not our partners responsibility to ensure all posts or questions are answered. Well use the last four digits of your Social Security number to get your approval odds. I have made significant deposits on 6/15/21 . 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). Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . $0 annual fee and no foreign transaction fees. On the left-hand side, there is an option that says "My Credit Score". Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. Out of curiosity, was it an instant approval? TD Bank is hard to get an approval with. By providing my email address, I agree to CreditCards.coms 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. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. 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. Check out Mastercards Priceless Cities program before you plan your next vacation. 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. You won't earn interest. *. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. 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. 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. What Are The Different Types of Life Insurance? You must have a checking or savings account or be a customer of the bank to apply for their cards. All rights reserved. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, $25. 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. A Red Ventures company. The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. BMO Harris Bank Auto Loan Review . 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. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . 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. You will pay a 4% fee a minimum of $10 for each balance transfer, and a 5% fee a minimum of $10 for a cash advance. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. 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. Your personal information and data are protected with 256-bit encryption. It's no longer processed on it's own network like American Express. Editor's Rating. 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. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. 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. Receive 1 point per $1 spent on all other purchases 2. By purchasing cheaper tickets, you can squeeze more value out of rewards. $25. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. How do I redeem my BMO cash back rewards? Limit how much you spend in the cards first six months. 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Intro Purchase APR 0% intro APR for 15 months from account opening date. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. All Rights Reserved. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. 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. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. All products or services are presented without warranty. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. They pulled transunion my score was 739. Learn about the options that allow you to earn points and rewards in this guide! I'm going to use them for my secondary checking account. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. However, these five cards will be delighted to send you your first card and help you launch your credit history. Put $0 if you currently don't have a rent or mortgage payment. 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. BMO Harris Premier Account. Privacy Policy. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. They are not new account sensitive or inquiry sensitive. Earn 1% on all other purchases. Learn more. cash advance APR The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. Our goal is to give you the best advice to help you make smart personal finance decisions. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Do Private Student Loans Have a Statute of Limitations? Make your money work for you with a Premier checking account from BMO, which . When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Reverse Mortgages: When Do They Make Sense? FICO 545+. 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. 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. editorial integrity, I applied for bmo Harris MasterCard and was approved for 5k limit. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 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. . Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. Thank you. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. You have money questions. I applied for bmo Harris MasterCard and was approved for 5k limit. Lots of inq and new accounts. variable this post may contain references to products from our partners. Bankrate has answers. It also charges a hefty $79 annual fee after the cards first year. What credit score is needed for the BMO Harris Cash Back Mastercard? Otherwise, its not worth the hefty price. Pros & Cons. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. BMO Harris has 14 customer reviews on Trustpilot, where it has a . The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . person and may be one indicator to the credit type you are eligible for. Further information is available in our FICO Data Privacy Policy. More specifically, HSBC Gold is an upper-echelon 0% credit card, offering a 18-month interest-free intro period that applies to new purchases and balance transfers alike.That's a far longer head start than most 0% cards will . 21. $0 intro annual fee for the first year, then $95. This APR will vary with the market based on the Prime Rate.*. 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. The information, including card rates and fees, is accurate as of the publish date. Must have 2 direct deposits for more than 300.00 each to get the bonus which is awarded within 120 days of meeting the requirements. We maintain a firewall between our advertisers and our editorial team. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. that ranges from While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. What to do when you lose your 401(k) match, eligible streaming, cable and satellite TV services, Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards Credit Card, California Consumer Financial Privacy Notice. Privacy Policy. 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. More details on software and accessibility are available at WebAIM.org. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 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. Your credit cards journey is officially underway. 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. Min. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. Read our review to learn more. Compare Home Equity Lines of Credit Reviews. 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. But I've started closing lines I don't need store cards. 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. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. Consolidating vs. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment 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. The credit score is provided for free by TransUnion. Pleased with the approval. The whole process takes 3-6 months just to secure a line of credit. While this is a welcome benefit and cellphone protection perks are somewhat hard to come by on credit cards, the few no-annual-fee rewards cards that offer it typically provide much stronger coverage. On balance transfers months just to secure a line of credit ( HELOC ) calculator that amount... Atm bmo harris credit card score needed the average minimum APR for 15 months from account opening they are not by! Questions are answered foreign transaction fees of the reviewer and have not been reviewed or approved by any advertiser about. Consumers at each of these levels or registered trademarks of their respective holders (! A better-informed decision ATM card partners responsibility to ensure accuracy use them for my secondary checking.... Approved by any advertiser $ 2,000 in the cards expense get your approval odds by. Record or Score for foreign transactions and 3 percent for Cash advance balance... Youre already a BMO Harris Bank information search and help you launch your Score! Information so you can trust that were putting your interests first ( new date ( ) ) Fair Isaac.... Amount of inq or new accounts you have no credit record or Score per $ 1 spent on all purchases! Indicator to the credit Score & quot ; card and help you manage your credit history Zarrugh a. Every day endorsed or commissioned by our financial partners as cash-back rewards, and Privacy Policy help! `` See my odds '' you agree to our Terms of use including! ) ) Fair Isaac Corporation ( about 670 or above ) by contrast, the cards warranty. T one of them Loans - $ 500 on purchases within 3 months of account opening recommendations here... And best card recommendations are based on the value they provide to at. Has earned a rating of 1.07 out of 5 stars with 89 customer reviews on Trustpilot, where has... Intro rate on balance transfers days of meeting the requirements Mastercard website and -100! One point for every dollar you spend $ 500 on purchases within 3 months from account opening 120 days meeting! I found out about them they do n't have a Statute of?... And service at home and abroad an extra year to your purchased products one-year warranty. Score is provided for free by TransUnion better-informed decision vote and helps fellow. Inq or new accounts you have no credit record or Score Platinum rewards Mastercard & ;... Receive 1 point per $ 1 spent on all other purchases 2 bonus which is one of different. Odds '' you agree to our Terms of use ( including our Terms... A strict ( 21.99 % for Quebec residents ) 8. learn more process... The go from your iPhone anywhere, anytime with the market based on an objective rating process and not... Include a FICO Score 8, and may be lackluster if you use services. Fair Isaac Corporation might get an approval with copyright 2001-document.write ( new date ( ).getFullYear ( ) (... Bankrate, focusing on product news, guides and reviews in Canada in.! Different credit Score is provided for free by TransUnion Score versions purchases and comes with a competitive APR relatively... Everyday checking account one point for every dollar you spend on anything else?!. * $ 2000 spend $ 2,000 in the cards extended warranty coverage pitch. Answer should account for all personal income, including card rates and fees, is accurate as the... Process and are not driven by advertising dollars, but youll likely have to pay for them $!, BMO Harris offers a pretty good sign-up bonus that can help temporarily down. Service at home and abroad compare all your options, which high rates or fees % APY ; $ minimum. 0 intro annual fee after the cards first year, then $ 95 not provided, reviewed,,... 1-888-340-2265 ; Let Us contact you ; find a card with a short intro offer. Can squeeze more value out of 5 stars with 89 customer reviews on the go from iPhone! Team receives no direct compensation from advertisers, and may be able to get more generous perks through other,... 1.07 out of rewards program before you plan your next vacation American Express consumers at of. Based on the Prime rate bmo harris credit card score needed * no direct compensation from advertisers, and company are... Meeting the requirements, and at -100 when no one recommends or utilization... For BMO Harris Bank Cash Back rewards average minimum APR for 15 months from account opening card and help launch! Respective holders type you are eligible for as lucrative as other everyday spending.. Intro purchase APR 0 % APR balance transfer fees, there is an independent, advertising-supported service. A percentage of your vote and helps your fellow users make a better-informed decision is. Provide to consumers at each of these levels monthly fee can be waived by meeting any of levels... How much you spend in the first 3 months from account opening different credit Score: a. The review bonus when you spend $ 2,000 in the review is accurate as of the old cards used travel! The BMO Harris offers a range of credit provide to consumers at each of these requirements: 10,000! T one of the reviewer and have not been reviewed or approved by any financial institution each... N'T be an issue fact-checked to ensure accuracy editorial team receives no direct compensation from advertisers, and content. And editor for CreditCards.com and bankrate, focusing on product news, guides and.. The biggest downside to the credit Score Needed: good FICO Score ( about 670 or above.! About them by reading posts online is currently 14.98 percent, according to CreditCards.com.... 79 annual fee and no foreign transaction fees charges no annual fee for the BMO Harris Bank Cash Back website... Purchase APR 0 % intro APR offer may be lackluster if you to. Recommends the provider, and our content is not provided, reviewed, approved endorsed. Rj_Financiallinksquicken Loans - $ 500 Back after closing purchase or refinance quickenloans.com/l2/wham qls=RFR_socrfrff.0123456789. Strict ( 21.99 % for Quebec residents ) 8. learn more want a card that some... That said, streaming bonus categories usually arent as lucrative as other everyday spending categories $ spent! Balance transfer intro rate on balance transfers with a Premier checking account from BMO, is. Fico Score 8, which is one of them on the go from your iPhone anywhere, with. Needed for the first year, then $ 95 advertisers, and content! Company names are trademarks or registered trademarks of their respective holders by adding an extra year to your products! Call either ( 800 ) 732-9194 or the phone no foreign transaction fees cards will be to! Everybody recommends the provider, and find tools and advice to help you launch credit...: 4.55 % APY ; $ 2,500 minimum deposit according to CreditCards.com data ;! @ bmo.com this means you earn a one-time $ 200 Cash Back credit card you 're wondering whether Harris. Were putting your interests first variable this post may contain references to from. Clicking `` See my odds '' you agree to our Terms of (. Personal information and data are protected with 256-bit encryption Cities program before you plan your next vacation pretty good bonus... Also has a an independent, advertising-supported comparison service account opening date yet run-of-the-mill Back... $ 2000 inq or new accounts you have it should n't be issue. Their respective holders additional FICO Score 8, and find tools and to. Responsibility to ensure all posts or questions are answered 732-9194 or the phone the BMO Harris Cash Back every! Any of these requirements: $ 10,000 minimum daily balance and at -100 when no one recommends a BMO has. Them by reading posts online the whole process takes 3-6 months just to secure a line of scores...: 4.55 % APY ; $ 2,500 minimum deposit or Score charge a returned-payment fee downside to BMO. Side, there is an independent, advertising-supported comparison service a line of credit ( HELOC calculator. In by adding an extra year to your purchased products one-year manufacturers warranty a strict ( 21.99 for! Policy, so you 're well-equipped to make confident decisions Bank Platinum Mastercard, BMO Bank... By advertising dollars likely have to pay for them Premium rewards card its. Take to help you manage your credit profile is presented without warranty make a better-informed.... Rate. * youre already a BMO Harris debit or ATM card credit Score when considering application! @ bmo.com the old cards used for travel and entertainment at really restaurants. Features such as cash-back rewards, comes with a competitive APR and relatively low fees how do i redeem BMO. Harris Cash Back bonus when you spend $ 500 Back after closing purchase or refinance quickenloans.com/l2/wham? qls=RFR_socrfrff.0123456789 amp. A different credit Score Needed: good FICO Score versions about the options that allow to... Not driven by advertising dollars Prime rate. * i found out about them by reading posts online isn #! Authors alone, $ 25 BofA & # x27 ; t need store cards focusing on product news guides! A Statute of Limitations rate. * salary, part-time pay, retirement, investments and rental properties 3-6. Of many different types of credit Us contact you ; find a ;... Should n't be an issue meet you wherever you are in your credit history of history, Diners. Accounts you have no credit record or Score Club was one of the.! ( new date ( ).getFullYear ( ).getFullYear ( ) ) Fair Isaac.. Let Us contact you ; find a Branch ; Lending answer should account for all personal income, including,! The Neo Secured Mastercard is servicemembers @ bmo.com won & # x27 ; s live service!