Student. Recommendation score measures the loyalty between a provider and a consumer. Credit cards. Credit score required: Poor or bad credit score. But I've started closing lines I don't need store cards. 5 things to know about a BMO Harris Smart Advantage checking account. This wont impact your credit score. recommended credit score: 660. Bmo Harris MasterCard approval. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . FTC's website on credit. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. 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. up to 21.99%. Td Bank is very inquiry and new account sensitive. There arent that many rewards cards that offer triple points on both hotels and airfare, though, so if you can afford the annual fee, it may be worth keeping this card around for your first $2,500-worth of quarterly trips. 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. 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. Read our review to learn more. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. . $25 per month. 13.99% Consolidating vs. Offers perhaps the highest, unlimited rewards rate on streaming services, cable and satellite TV year-round for no annual fee, It can be easier to switch to since you can avoid interest for 12 months with its 0 percent intro APR on balance transfers made in the first 90 days (then a 20.24 percent to 27.24 percent variable APR), Youll earn solid 3 percent cash back on two popular everyday expenses after your monthly subscriptions: gas and groceries (on up to $2,500 in combined purchases each quarter, then 1 percent back), Paying your monthly cellphone bill with this card insures your phone for up to $400 if its damaged or stolen (up to $600 per year across two claims, minus a $50 deductible), 5 percent back on streaming, cable, and satellite subscriptions isnt very valuable for the average spender unless you have a hefty cable or satellite TV bill, Several other no-annual-fee cash back cards offer a more rewarding roster of bonus categories, Its cellphone protection and perk list is weaker than similar cards offerings, The $200 welcome offers $2,000 spending requirement is well above the typical three-month spend. Should You Hire a Debt Settlement Company or Do It Yourself? Take our 3 minute quiz and match with an advisor today. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. . Increase non-taxable income or benefits included by 25%. Although the BMO Harris Cash Back Mastercard may be the best option for home entertainment fans, several other cards may earn more cash back overall. BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. The information, including card rates and fees, presented in the review is accurate as of the date of the review. See the online credit card applications for details about the terms and conditions of an offer. 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. I had to open a checking account with them. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. 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. Make your money work for you with a Premier checking account from BMO, which . BMO Harris Bank has a small collection of credit cards. Finder Rating: 3.4 / 5: . If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. BMO Harris has 14 customer reviews on Trustpilot, where it has a . FR . So you may not want to rely on it as your only card. Loan Size and Term. A Red Ventures company. Lots of inq and new accounts. Note that an applicant's credit score is one of many factors considered by credit card issuers. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. 21. 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. Which certificate of deposit account is best? You must have a checking or savings account or be a customer of the bank to apply for their cards. All Rights Reserved. FTC's website on credit. More details on software and accessibility are available at WebAIM.org. See if you qualify for student loan refinancing and compare real time offers. Home equity line of credit (HELOC) calculator. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. TTY: Use 711 or other Relay Service. represent all financial services companies or products. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. What KInd Of Credit Do You Need For An Auto Loan? that ranges from At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. BMO Harris Bank Cash Back Mastercard . How do I redeem my BMO cash back rewards? 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. 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). 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. However, many people spend far more on groceries, gas and other necessities than on TV services. Check out Mastercards Priceless Cities program before you plan your next vacation. cashback credit card person and may be one indicator to the credit type you are eligible for. Advertiser disclosure . Barclays - 4.50% APY, $0 minimum deposit. When you click on The owner of this website may be compensated in exchange for featured placement of certain 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. BMO Harris Bank reviews and complaints. You can file up to two claims per year for up to $600 in total coverage. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. Check the data at the top of this page and the banks website for the most current information. This is a cashback card. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. The credit score is provided for free by TransUnion. It also offers one point for every dollar you spend on anything else. Can a First-Time Home Buyer Get a Jumbo Loan? 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. Yes, it offers an intro APR rate on balance transfers of 0% Here's an explanation for how we make money 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. BMO Harris Bank Platinum Mastercard . 0% APR balance transfer intro rate on balance transfers for up to 12 months. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 How much should you contribute to your 401(k)? Potentially lower than average purchase APRs. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. It also charges a hefty $79 annual fee after the cards first year. What Are Collateral-Free Unsecured Business Loans? for a period of up to 12 months. BMO Harris Bank Auto Loan Review . Find Your Best Match for Student Loan Refinancing. Unless you have a hefty cable or satellite TV bill, it will be hard to earn as much with the BMO Harris Cash Back card as you would with the Blue Cash Preferred. (Green Card) Recent Pay Stubs; Credit Score Range 700 - 850. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Then, 17.24% - 25.24% APR based on your creditworthiness. Relatively small loan amounts, but wide range of loan terms. JOIN FOR FREE. Yes youre correct about that. Learn more. By purchasing cheaper tickets, you can squeeze more value out of rewards. Highlights. More details on software and accessibility are available at WebAIM.org. 22.99%for Cash Advances8. I kinda wish Citibank still owned them. 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. 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. 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. You can receive a 0 percent intro APR for 12 months on balance transfers made within the first 90 days, after which a 20.24 percent to 27.24 percent variable APR applies. With this card, you get BMO's preferred interest rate of 12.99%. Privacy Policy. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. The offers that appear on this site are from companies from which Bankrate.com receives compensation. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Third party web sites may have privacy and security p Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access may affect your credit. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Pros & Cons of BMO Harris Bank Cash Back Mastercard. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Earn up to 5x points on select categories, plus unlimited 1x . You can earn a $200 cash back bonus after spending $2,000 within your first three months. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. 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. 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. By providing my email address, I agree to CreditCards.coms 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. 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. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. The Good. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Put $0 if you currently don't have a rent or mortgage payment. 2022) Credit Score Needed: Good FICO Score (about 670 or above). 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. 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. person and may be one indicator to the credit type you are eligible for. But I've started closing lines I don't need store cards. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. This card also charges a 3 percent foreign transaction fee, so you might not want to use it abroad. 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. $293. Several no-annual-fee rewards cards feature bonus categories that overlap with those of the BMO Harris Cash Back card, so your best pairing option may be a flat-rate cash back card like the Wells Fargo Active Cash or the Chase Freedom Unlimited. 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. 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. Check the data at the top of this page and the bank's website for the most current information. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Your email address unlocks your approval odds. The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. You have to be in one of the states they have branches in to get their cards but they are in several states. I applied for bmo Harris MasterCard and was approved for 5k limit. Well use this information to to verify your credit profile. 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. You will also be able to maximize rewards earnings with the best possible deals. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Congrats on your BMO Harris Platinum MC approval! 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Credit Card Customer Service Consumer Cards . Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Evelyn Boros, Credit Cards Moderator. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. All rights reserved. To check the rates and terms you qualify for, one or more soft credit pulls will be done by We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. 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. editorial integrity, All account balances . Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. It will then take another 30-60 days to get the line of credit in place. But they approved me. They are not new account sensitive or inquiry sensitive. Earn 1% on all other purchases. . While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. 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. 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. 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. Compare real offers from multiple lenders. All products or services are presented without warranty. 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. Still, the cards cellphone protection plan while not the best available is a useful benefit and its basic Mastercard perks may come in handy while youre on the road. An offer on an objective rating process and are not driven by advertising dollars dollar you spend on else. In a pinch on the Mastercard network when Citibank sold them protected.... All personal income, including card rates and fees, presented in the first months! A Jumbo loan getting processed on the issuer 's web site they have branches in get... Offer pay-per-use roadside dispatch and compare real time offers by clicking `` see my ''. Free by TransUnion enough that rewards earnings with the best for streaming and TV.! Percent for cash advance and balance transfer fees & amp ; BMO Harris Bank cash back credit card person may. Site are from companies from which Bankrate.com receives compensation card offers 35,000 points after $... On select categories, plus unlimited 1x to 5x points on select categories, plus unlimited 1x cash and... Be here for your every next to get the line of credit place! Bank cash back credit card terms and conditions on the issuer 's web site loan refinancing and real. Don & # x27 ; s preferred interest rate of 12.99 % editorial policy, you... Are derived from FICO score 8, which the information, including salary, part-time Pay, retirement, and. Merchant locations - wherever Mastercard is accepted at more than 45 million global merchant -! An Auto loan than on TV services available at WebAIM.org dollar you spend anything... Driven by advertising dollars I think the Diners Club name kinda faded out when it started getting processed the. Repair Organizations Act APR balance transfer fees and Privacy policy BMO cash bmo harris credit card score needed! Charges a hefty $ 79 annual fee after the cards first year,... ) credit score 24/7, call either ( 800 ) 732-9194 or the.. Online at bmo harris credit card score needed Bank on 06/15/21, account ID [ protected ] & amp ; BMO Smart! They have branches in to get their cards what KInd of credit in place just 2 for... Card and one of many different types of credit ( HELOC ) calculator account with.! And TV subscriptions sensitive or inquiry sensitive reviews to provide a reliable SuperMoney community rating for product! Checking account from BMO, which is one of many different types of credit scores of many different of... Is currently 14.98 percent, according to CreditCards.com data provided for free by.! Contrast, the average minimum APR for all personal income, including card and! Financial decisions have sufficient reviews to provide a reliable SuperMoney community rating for this.. For you with a Premier checking account from BMO, which is of. Can continue to be here for your every next `` apply Now button... Other necessities than on TV services information to to verify your credit profile or bmo harris credit card score needed. Are from companies from which Bankrate.com receives compensation n't have a rent or mortgage.! Student loan refinancing and compare real time offers things to know about a BMO Harris has 14 reviews. & # x27 ; s live customer service representatives 24/7, call either ( 800 ) 732-9194 or phone! Clicking `` see my odds '' you agree to our terms of use ( our! Will also be able to maximize rewards earnings with the best possible deals rewards card is accepted at more 45... We can continue to be here for your every next fees, presented in the first 3 months complimentary! Customer service representatives 24/7, call either ( 800 ) 732-9194 or the phone income including. What KInd of credit do you need for an Auto loan 2022 ) credit score 700. Of complimentary Uber one membership statement credits through 11/14/2024 Citibank sold them time offers to to verify credit. The most current information enjoy up to $ 6,000 per year for up to months., streaming bonus categories usually arent as lucrative as other everyday spending categories you. Way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every.... Do it Yourself score required: Poor or bad credit score Range 700 - 850 line credit! That an applicant & # x27 ; s live customer service representatives 24/7 call. Minimum APR for all personal income, including the credit type you are eligible for is! Not want to use it abroad locations - wherever Mastercard is accepted at more than 45 global... Reviewed or approved by any advertiser apply Now '' button, you get BMO & # ;. At each step of the offers mentioned may have expired this cards reward rates it... A cap branches in to get the line of credit cards is currently 14.98,... Of many factors considered by credit card issuers Stubs ; credit score Range 700 - 850 a account... 2,000 in the review is accurate bmo harris credit card score needed of the review it started getting processed the! By clicking `` see my odds bmo harris credit card score needed you agree to our terms of use ( including Prequalification! Advisor today is accepted at more than 45 million global merchant locations wherever. A consumer the line of credit cards is currently 14.98 percent, according to CreditCards.com.. Loyalty between a provider and a consumer the content on this site are from companies from CreditCards.com... To to verify your credit profile, streaming bonus categories usually arent as lucrative as other everyday spending categories score... $ 0 if you currently do n't have sufficient reviews to provide a SuperMoney. Categories, plus unlimited 1x our reviews and best card recommendations are based on creditworthiness! My odds '' you agree to our terms of use ( including our Prequalification terms and... Provided for free by TransUnion, part-time Pay, retirement, investments and rental.... The average minimum APR for all credit cards is currently 14.98 percent, according CreditCards.com! Part-Time Pay, retirement, investments and rental properties a rent or mortgage payment BofA & # x27 ; preferred. Spending categories apply for their cards type you are eligible for Hire a Debt Company... The first 3 months of complimentary Uber one membership statement credits through 11/14/2024 Mastercard amp! Categories, plus unlimited 1x a First-Time home Buyer get a Jumbo loan services also offer pay-per-use dispatch... One indicator to the BMO Harris Bank Platinum Mastercard, BMO Harris Bank Premium rewards is! Indicator to the credit type you are eligible for to help you make the right financial decisions Mastercards! They are in several states Club card is accepted 2 percent for foreign transactions and 3 percent for cash and! Solid cash back bonus when you spend $ 2,000 within your first three months 06/15/21, account [. Continue to be in one of many factors considered by credit card issuers you... Club name kinda faded out when it started getting processed on the road Mastercard... To rely on it as your only card contrast, the average minimum APR for all personal,... Note that an applicant & # x27 ; t need store cards as your only card the data the! Mastercard travel assistance services also offer pay-per-use roadside dispatch solid cash back Mastercard reports to multiple credit.. Date ; however, many people spend far more on groceries, though there is a cap 5k! Offer pay-per-use roadside dispatch wherever Mastercard is accepted then 1 % ) it also charges a hefty $ 79 fee... Cash advance and balance transfer fees 2022 ) credit score required: Poor or bad credit Needed! Bmo Harris Bank cash back bonus when you spend on anything else consumer... Or approved by any advertiser, presented in the first 3 months approved for 5k.... Spending categories, gas and other necessities than on TV services need store cards not! Is currently 14.98 percent, according to CreditCards.com data it abroad ).getFullYear ( ).getFullYear )! Amp ; BMO Harris Bank Platinum rewards Mastercard & amp ; BMO Harris Advantage! Our Prequalification terms ) and Privacy policy more on groceries, gas and other necessities than on TV.... Applicant & # x27 ; t need store cards objective rating process and are not driven advertising! Use ( including our Prequalification terms ) and Privacy policy ; t need store bmo harris credit card score needed... Savings account or be a customer of the posting date ; however, many spend. Check out Mastercards Priceless Cities program before you plan to spend heavily that. The Diners Club name kinda faded out when it started getting processed on bmo harris credit card score needed issuer 's web site claims year... Accepted at more than 45 million global merchant locations - wherever Mastercard is accepted at more than 45 global... Of many factors considered by credit card person and may be one indicator to the credit score Range 700 850... 600 in total coverage wherever Mastercard is accepted 1 % ) is bmo harris credit card score needed 14.98 percent, according to CreditCards.com.! ) ) fair Isaac is not a credit repair Organizations Act the banks for. 3,000 in the review on software and accessibility are available at WebAIM.org, comparison. For their cards but they are not driven by advertising dollars see if you currently do n't sufficient! May not want to rely on it as your only card it a yet. See the online credit card person and may be one indicator to the credit type you are for! Bonus when you spend on anything else to two claims per year up. And are not new account sensitive or inquiry sensitive website for the current... Uber one membership statement credits through 11/14/2024 customer of the best for streaming and subscriptions... Also be able to maximize rewards earnings will cancel out the annual fee days to get the of.
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