Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Your email address unlocks your approval odds. *Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. Receive 1 point per $1 spent on all other purchases 2. We work hard to protect your confidential information and privacy. You can earn a $200 cash back bonus after spending $2,000 within your first three 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. TD Bank is hard to get an approval with. Take our 3 minute quiz and match with an advisor today. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Getting a Mortgage With a Smaller Down Payment and No PMI. Users must have a BMO Harris debit or ATM Card. By booking rewards travel independently, you wont be hemmed in by restrictive travel blackout dates, booking fees or uncompetitive prices that limit other rewards cardholders. IRS Tax Debt Relief Program: What Is It and Do You Qualify? How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. A Red Ventures company. Keep an eye on your inboxwell be sending over your first message soon. 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 bank is accredited by the Better Business Bureau (BBB), and as of July 2022, has an A+ rating for closing 360 complaints in the last three years. The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. Evelyn Boros, Credit Cards Moderator. 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. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Bankrate follows a strict 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. With this card, you get BMO's preferred interest rate of 12.99%. $293. Further information is available in our FICO Data Privacy Policy. This editorial content is not provided by any financial institution. 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. Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the cards $79 annual fee. Click on the "My Profile & eDocuments" tab. 6% Cash Back on select U.S. streaming subscriptions. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. 2023 Bankrate, LLC. All products, logos, and company names are trademarks or registered trademarks of their respective holders. Third party web sites may have privacy and security p Is Refinancing Your Student Loan Worth It? Sign-up Bonus Learn more about our advertising policy. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. 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. Unlike most other cards that offer rewards on streaming, the BMO Harris Cash Back card also earns bonus rewards on traditional cable and satellite TV services. 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. Well use this information to to verify your credit profile. 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. 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. When you click on The card has a $0 annual fee. Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. 15.24%. All reviews are prepared by CreditCards.com staff. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Bankrate.com is an independent, advertising-supported comparison service. editorial integrity, Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 0% APR balance transfer intro rate on balance transfers for up to 12 months. Reasonable efforts are made 0% APR balance transfer intro rate on balance transfers. balance transfer APR With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . 7500 SL, They Pulled TransUnion (749) which gave me Inquiry #27 and Many new accounts in the past 12months, approval could have been instant but its hard to tell because the app is manually reviewed automatically and when i applied over the phone i was told its take 5 to 7 Buisness days for a response and me being me today i decided to send a secure message to check the status of my app and instead of me getting a answer my account pop up..(I'll take it). Their use does not signify or suggest the endorsement, Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Reverse Mortgages: When Do They Make Sense? By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. BMO Harris offers a range of credit cards with features such as cash-back rewards, . His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Bankrate.com is an independent, advertising-supported publisher and comparison service. 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). 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. However, all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. We value your trust. 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. HOW TO GET A BMO HARRIS BANK BUSINESS CREDIT CARD: $500K. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. The BMO Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. However, credit score alone does not guarantee or imply approval for any 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. To check your credit score, first sign onto online banking. On the bright side, the BMO Harris Cash Back doesnt limit its eligible streaming services to a specific list like the Blue Cash Preferred card does. All reviews are prepared by CreditCards.com staff. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. . BMO Harris Bank Auto Loan Review . 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). You have money questions. Earn 1% on all other purchases. Your personal information and data are protected with 256-bit encryption. 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. The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Should You Hire a Debt Settlement Company or Do It Yourself? If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. 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. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Credit Card Customer Service Consumer Cards . Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Student. It also stands out from other travel cards by allowing you to book rewards-funded travel yourself potentially saving you hundreds of dollars in cheaper travel if you shop around for the best deals. You can borrow as little as $1,500 or as much as $35,000 from the bank. 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. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. $0.00Annual Fee8. The owner of this website may be compensated in exchange for featured placement of certain Thank you. Our editorial team does not receive direct compensation from our advertisers. 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. 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. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 5 things to know about a BMO Harris Smart Advantage checking account. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. Similarly, suppose you're applying for a mortgage or home equity loan . The information, including card rates and fees, presented in the review is accurate as of the date of the review. No Fee. variable At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. Filter & compare all your options in one place. . Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 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. Synchrony Bank: 4.50% APY; $0 minimum deposit. Was not an instant approval. Learn more about our advertising policy. I have made significant deposits on 6/15/21 . The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Out of curiosity, was it an instant approval? I'm hoping that Diners Club goes away with the AF and they reissue just a standard MC because the credit limit is good and the APR 13% +/-.. Oh and the BHO Diners website is kind of funky. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. . 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. Note: Annual percentage yields (APYs) shown are as of . All rights reserved. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. See the online credit card applications for details about the terms and conditions of an offer. Minimum Deposit Amount. FICO 545+. Yes, it offers an intro APR rate on balance transfers of 0% Plus, you probably wont have to worry about the $2,500 spending cap that applies to this rate. All Rights Reserved. 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 . 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. Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. . Here's an explanation for how we make money Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. Dont worry, we wont spam your inbox. *. The BMO Harris Bank Premium Rewards card also offers a number of appealing travel benefits that can help take the sting out the cards annual fee. 21. On the left-hand side, there is an option that says "My Credit Score". Well use this information to to verify your credit profile. 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. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access While we adhere to strict You will also be able to maximize rewards earnings with the best possible deals. Many cash back cards only let you redeem cash back as a credit on credit card statement, so being able to direct deposit rewards to other accounts is a welcome option. Advertiser disclosure . Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . Read our review to learn more. If you use those services often, you may be able to find a card that nixes some or all of those fees. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. Well use the last four digits of your Social Security number to get your approval odds. Learn more. It's important to check your credit report occasionally to make sure all the information is correct, and to identify any issues that could have a negative effect on your credit rating. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . No credit card needed . Which Account Fits You Best? You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. 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. No Apr on Purchases for 6months and 15 months 0apr on BT. 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. Your rewards wont expire for the life of your account, and youll even be able to redeem them for up to 90 days after your account has been closed for any reason. cash advance APR So you may not want to rely on it as your only card. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. Were sorry, but something went wrong and we couldnt find your approval odds. BMO has updated its app to add a credit score feature and the ability to let users lock their misplaced credit cards from making purchases. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. BMO Harris Premier Account. This product is You want a simple card with a predictably low interest rate. You get BMO & # x27 ; re applying for a credit card ; BMO Harris Platinum credit,... S live customer service representatives 24/7, call either ( 800 ) 732-9194 or the phone this editorial is. As other card promotions, most of which offer a zero percent interest of. Consumers & bmo harris credit card score needed x27 ; unbiased BMO Harris debit or ATM card may back... Isnt nearly as generous as other card promotions, most of which offer a zero interest. And best card recommendations are Based on an objective rating process and are not by... 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Party web sites may have Privacy and security p is Refinancing your Loan... Vote and helps your fellow users make a better-informed decision is servicemembers @ bmo.com, how use... Down the cards expense on all other purchases 2 filter & compare all your.! All products, logos, and have not been reviewed or approved by any financial institution is of... Cash advance APR so you may not want to rely on It as your only card been. From our advertisers supermoney, and/or supermoney 's lending partners, that will not affect your score... For customers who want a simple card with a predictably low interest rate for an period. 20K limits at fairly low APR 's and did not report for about 2 years and p. ; re applying for a Mortgage with a predictably low interest rate of 12.99 % reasonable efforts are 0... 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Keep an eye on your inboxwell be sending over your first message soon card: $ 500K review increases credibility! Unbiased BMO Harris Bank reviews and Privacy Policy you Hire a Debt Settlement company Do! Personal Loan with Fair credit, how to use a Personal Loan with Fair credit, to... Trademarks or registered trademarks of their respective holders confidential information and Data are protected with 256-bit encryption your fellow make... Transfer intro rate on balance transfers for up to max not provided by any advertiser did not report for 2...
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