Intro BT APR 0% intro APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. Here's an explanation for how we make money The card has a $0 annual fee. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Privacy Policy. BMO Harris Bank Platinum Mastercard . Lending . variable
Check the data at the top of this page and the banks website for the most current information. Diners Club is or was a national credit card. Check out Mastercards Priceless Cities program before you plan your next vacation. 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. 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 2023 Bankrate, LLC. You can request a free credit report from . BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. Check the data at the top of this page and the bank's website for the most current information. 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 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. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. Best Credit Card Promotions. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? Note that BMO Harris Bank doesn't list any kind of borrower requirements (like minimum credit score, revenue, or time in business). However all credit card information is presented without warranty. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. Went to underwriter. Check the data at the top of this page and the bank's website for the most current information. 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. FTC's website on credit. $25 per month. No Apr on Purchases for 6months and 15 months 0apr on BT. Home equity line of credit (HELOC) calculator. 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. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. See if you qualify for student loan refinancing and compare real time offers. Terms apply to the offers listed on this page. The BMO Rewards Business Mastercard has a lower purchase interest rate of 14.99%, and the BMO Preferred Rate Mastercard has 12.99% interest for everything. Bankrate.com does not include the entire universe of available financial or credit offers. Pros & Cons of BMO Harris Bank Cash Back Mastercard. No Fee. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. See the online credit card applications for details about the terms and conditions of an offer. 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. Business Loans for New Businesses: What You Need To Know ? There is no annual fee to worry about and the cards ongoing APR range is reasonable. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. BMO Harris Bank Auto Loan Review . On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. However, it can still save you a significant amount if you plan to use the card from the start. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Check out our step-by-step demo or find what you need in our FAQs. Dont worry, we wont spam your inbox. It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. However, depending on your credit score, you may not qualify for as low of a rate with another card. Yes youre correct about that. What Are the Differences Between Federal and Private Student Loans? 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. to maintain accurate information. However, your 3 percent rewards are limited to your first $2,500 of combined spending on gas and groceries each quarter, after which your rate drops to 1 percent back. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. 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. up to 21.99%. Earn unlimited 1.5% cash back on every purchase, every day. You will also be able to maximize rewards earnings with the best possible deals. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. 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. Its also disappointing that the card doesnt offer a 0 percent intro APR on purchases. They pulled transunion my score was 739. Is Refinancing Your Student Loan Worth It? For example, if you're applying for a BMO Harris personal loan or credit card, you may need a good to excellent credit score, which generally means a score of 670 or higher. affiliation, or sponsorship, of or by SuperMoney or them of us. How to Find a Money Transfer Service Near Me? Pros & Cons. TTY: Use 711 or other Relay Service. Heres a breakdown of how much cash back we estimate the average spender* can expect to earn each year in this cards bonus categories: As you can see, unless you spend heavily on streaming services, you may only earn enough cash back via this category to cover a few months of one subscription. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You want a simple card with a predictably low interest rate. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. * See the online application for details about terms and conditions for these offers. 1-855-825-9237 1-262-780-8658 (outside U.S.) Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Filter & compare all your options in one place. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. BMO Harris Bank Cash Back Mastercard . 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. What are index funds and how do they work? Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? It also has a
Finder Rating: 3.4 / 5: . BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. 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. strongly not recommended Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 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. financial product. The cash back you earn with this card can only be redeemed as a statement credit. All account balances . Be prepared to answer a few questions: Is your credit in good . So you may not want to rely on it as your only card. This is a cashback card. 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. Out of curiosity, was it an instant approval? 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 . Well use the last four digits of your Social Security number to get your approval odds. It's no longer processed on it's own network like American Express. Were sorry, but something went wrong and we couldnt find your approval odds. If you prefer sticking to cash back cards with no annual fee, the Capital One SavorOne Cash Rewards Credit Card may better reward your food and entertainment purchases. Well use the last four digits of your Social Security number to get your approval odds. While a year of 0 percent interest could be a big help if you need to pay off debt, its not the longest intro APR offer out there (some cash back cards come with intro APR periods of 15 or even 18 months). At Bankrate we strive to help you make smarter financial decisions. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. Limit how much you spend in the cards first six months. However, its intro APR offer may be lackluster if you need a break from interest. The Cash Back Mastercard comes with no annual fee. 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. We value your trust. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Barclays - 4.50% APY, $0 minimum deposit. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. When you click on 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. BMO Harris Bank Platinum Rewards Mastercard. See the online credit card applications for details about the terms and conditions of an offer. The Bad. Why get the BMO Harris Bank Premium Rewards Mastercard? 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. No PG. 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. You may be able to get access to exclusive events and experiences. Bankrate follows a strict 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. What Are Different Types of Credit Cards? Click on the "My Profile & eDocuments" tab. 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. 1st United CU Starter Visa Platinum Credit Card, Advantage One CU Visa Platinum Credit Card, Associated Credit Union of Texas Secured MasterCard, Berkshire Bank Visa Signature Max Cash Preferred Credit Card, Exchange Bank Visa Signature College Real Rewards Card, General Electric Credit Union Gold Credit Card, Georgias Own Visa Signature Rewards Credit Card, McCoy Federal Credit Union Visa Platinum Low Rate, Balance Transfer APR (Variable APR), Balance Transfer Fee % After Intro Period, No Interest Grace Period for Late Payment, Average daily balance (including new transactions)., Balance Transfer Introductory APR (Variable APR), Balance Transfer Intro APR Period (Variable APR), Filter & compare all your options in one place. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. Savings vs. Money Market? All reviews are prepared by CreditCards.com staff. Earn up to $400 when you open a new BMO business checking account using the promo code, achieve a minimum balance of $5,000 (for a $250 bonus) or $10,000 (for a $400 bonus) by day 31, stay at or . Similarly, suppose you're applying for a mortgage or home equity loan . Dont worry, we wont spam your inbox. Advertiser disclosure . *Based on a $55 average monthly spend on streaming ($660 per year) according to J.D. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Every reasonable effort has been made to maintain accurate information. editorial policy, so you can trust that our content is honest and accurate. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) Check the data at the top of this page and the banks website for the most current information. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. Thank you. recommended credit score: 660. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Td Bank is very inquiry and new account sensitive. 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. Credit score required: Poor or bad credit score. 0% APR balance transfer intro rate on balance transfers for up to 12 months. You have to be in one of the states they have branches in to get their cards but they are in several states. But I've started closing lines I don't need store cards. 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. , reliable market information so you may be able to maximize Rewards will... Policy, so you 're well-equipped to make navigating credit cards and credit building smooth for! 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