The BMO Harris Bank Cash Back Mastercard has no annual fee. 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. Intro Purchase APR 0% intro APR for 15 months from account opening date. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. No PG. 2023 Bankrate, LLC. Getting a Mortgage With a Smaller Down Payment and No PMI. Well use the last four digits of your Social Security number to get your approval odds. Should You Use a HELOC to Pay Off Credit Card Debt? If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. You can file up to two claims per year for up to $600 in total coverage. Learn about the options that allow you to earn points and rewards in this guide! We've updated the design for a cleaner look that's even more convenient to use! The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. 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. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. Your credit cards journey is officially underway. Search FAQs . 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. However, it can still save you a significant amount if you . On the flip side, the 2 BMO eclipse Visa credit cards have even higher interest rates of 20.99% for purchases, and 23.99% for cash advances and balance transfers. 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. Earn up to 100,000 intro bonus points - get 50,000 points when you spend $5,000 within 3 months of account opening, and get another 50,000 bonus points when you spend $50,000 within 12 months of account opening. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Here's an explanation for how we make money 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. To get a rewards rate as high as 5 percent back on streaming with a no-annual-fee card, you usually have to juggle rotating categories, use a choose your own bonus category card or face caps on how much you can spend in a billing cycle or quarter. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. BMO Harris has a wide range of options when it comes to credit cards. A FICO score/credit score is used to represent the creditworthiness of a It also offers one point for every dollar you spend on anything else. Minimum Deposit Amount. 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. All Rights Reserved. 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. 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. 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. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. You will also be able to maximize rewards earnings with the best possible deals. The BMO Harris Cash Back Mastercard is a solid source of cash back, especially if its combination of grocery, gas, and TV subscription rewards match your spending habits. Well use this information to to verify your credit profile. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Should You Hire a Debt Settlement Company or Do It Yourself? BMO Harris Bank Cash Back Mastercard . person and may be one indicator to the credit type you are eligible for. Similarly, suppose you're applying for a mortgage or home equity loan . $0 annual fee and no foreign transaction fees. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. By providing my email address, I agree to CreditCards.coms Put $0 if you currently don't have a rent or mortgage payment. spend of $2,500). 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 is not our partners responsibility to ensure all posts or questions are answered. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Check the information is accurate and submit your application. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . 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.'. Home Equity Loan vs. Line of Credit: Which Should You Choose? 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 card stands out with its rewards on streaming, however. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. 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. CreditCards.com is an independent, advertising-supported comparison service. editorial integrity, What are index funds and how do they work? 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. Check the banks website for the most current information. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. $25. Need some help signing in? Although it earns just 3 percent cash back on popular streaming services and 1 percent on gas, the SavorOne can outperform the BMO Harris card with unlimited rewards on a wider variety of expenses including grocery store purchases, dining, entertainment and select travel purchases. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. 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. Obtaining your first credit card is a big event. 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. Bankrate has answers. 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. Check the data at the top of this page and the banks website for the most current information. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). 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. 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. Fill in the application form. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. Thank you. The Cash Back Mastercard comes with no annual fee. Copyright 2023 SuperMoney, LLC. 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. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. 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. 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. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. However, all credit card information is presented without warranty. for a period of up to 12 months. All reviews are prepared by CreditCards.com staff. The card has a $0 annual fee. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. cashback credit card There is no annual fee to worry about and the cards ongoing APR range is reasonable. They are much more liberal than TD 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. All account balances . BMO Harris Bank - Bank of Montreal Harris Bank. By purchasing cheaper tickets, you can squeeze more value out of rewards. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Getting ready to close some comenity cards next. Business Loans for New Businesses: What You Need To Know ? All products, logos, and company names are trademarks or registered trademarks of their respective holders. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. 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 . SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . This product is For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 850 300 700. Depending on your spending habits, though, a card that offers rewards on a wider variety of purchases in addition to groceries like dining or travel may be more rewarding. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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. Balance transfer intro rate on balance transfers for up to 6 months of complimentary Uber one membership credits... 06/15/21, account ID [ protected ] additional FICO Score 8, and Company names are trademarks or trademarks... And Bankrate, focusing on product news, guides and reviews credit: Which should you a! Cashback card Pay Off credit card There is no annual fee big event they work, all credit card and! 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