Why get the BMO Harris Bank Premium Rewards Mastercard? Further information is available in our FICO Data Privacy Policy. 7500 SL. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Min. In addition, the BMO Harris Bank Mastercard offers some standard credit card perks, such as car rental insurance, travel assistance and an extended warranty on purchases. BMO Harris Bank reviews and complaints. Privacy Policy. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. This flexibility, combined with the cards higher-than-average rewards rate, makes the BMO Harris Cash Back easily one of the best credit cards for streaming services. Many lenders . Pay attention to how much dining and travel youre purchasing. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. We've updated the design for a cleaner look that's even more convenient to use! 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. 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. 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. (including, for example, the order in which they appear). Yes, it offers card users a signup bonus worth up to $200 after spending $2000. All Rights Reserved. Intro Purchase APR 0% intro APR for 15 months from account opening date. We value your trust. and have not been reviewed, approved or otherwise endorsed by any financial institution. Read our review to learn more. . Keep an eye on your inboxwell be sending over your first message soon. 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. 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. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. 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. 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. 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. 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. Every reasonable effort has been made to maintain accurate information. 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. A FICO score/credit score is used to represent the creditworthiness of a 3.5/5. It is not our partners responsibility to ensure all posts or questions are answered. Click on the "My Profile & eDocuments" tab. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Since applications have been closed for over 2 years, maybe they will start replacing the AF Mc diners Club with a standard MC. one can hope because I'll be closing my DC/MC the next time a AF is due. Recommendation score measures the loyalty between a provider and a consumer. purchase APR We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. 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. Our experts have been helping you master your money for over four decades. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. 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. Their use does not signify or suggest the endorsement, The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. 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. Earn unlimited 1.5% cash back on every purchase, every day. Barclays - 4.50% APY, $0 minimum deposit. 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. Our goal is to give you the best advice to help you make smart personal finance decisions. How do I redeem my BMO cash back rewards? 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. 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. I had to open a checking account with them. 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. The information, including card rates and fees, presented in the review is accurate as of the date of the review. While the majority of the Mastercard features that come with this card are typical account protection features, a few may occasionally be helpful during your travels. 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. HOW TO GET A BMO HARRIS BANK BUSINESS CREDIT CARD: $500K. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. Your credit cards journey is officially underway. You won't earn interest. Earn up to 5x points on select categories, plus unlimited 1x . Put $0 if you currently don't have a rent or mortgage payment. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Savings vs. Money Market? 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. (21.99% for Quebec residents)8. learn more. 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. 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. 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. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? 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. Finder Rating: 3.4 / 5: . With this card, you get BMO's preferred interest rate of 12.99%. Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. 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. Further information is available in our FICO Data Privacy Policy. $25 per month. They are not new account sensitive or inquiry sensitive. 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 . The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. My utilization is really low below 10 percent margin. BMO Harris Bank Platinum Mastercard . BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. 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. Yes, it offers an intro APR rate on balance transfers of 0% I applied for bmo Harris MasterCard and was approved for 5k limit. Congrats on your approval. However, it can still save you a significant amount if you plan to use the card from the start. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. Loan Size and Term. Unlike most travel cards that require cardholders to go through the bank to redeem points for travel, the BMO Harris Bank Premium Rewards card lets you shop around and book travel yourself. Copyright 2023 CreditCards.com a Red Ventures Company. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Use this card for any purchases you cant afford to repay in full. You can borrow as little as $1,500 or as much as $35,000 from the bank. Card Monitor; Manage Your Credit Card; Ready to explore? 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. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and No Fee. Check out our step-by-step demo or find what you need in our FAQs. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. 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. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . The HSBC Gold Credit Card won't enrich you with rewards treasure, but it will hide your balance from interest's grasp for the first 18 months your account is open. A 2% fee applies to transferred balances. Bmo Harris MasterCard approval. Otherwise, its not worth the hefty price. Getting ready to close some comenity cards next. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. This editorial content is not provided by any financial institution. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Consolidating vs. 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. Congrats on your BMO Harris Platinum MC approval! to maintain accurate information. Find Your Best Match for Student Loan Refinancing. We maintain a firewall between our advertisers and our editorial team. 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. Pros & Cons. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 2023 Bankrate, LLC. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 2022) Credit Score Needed: Good FICO Score (about 670 or above). It also offers one point for every dollar you spend on anything else. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. person and may be one indicator to the credit type you are eligible for. 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. Then, 17.24% - 25.24% APR based on your creditworthiness. I have made significant deposits on 6/15/21 . You sometimes miss payments and need a more forgiving card. See the online credit card applications for details about the terms and conditions of an offer. Last four digits of your Social Security number, BMO Harris Bank Premium Rewards Mastercard review, J. D. Power 2020 customer satisfaction rating, Do Not Sell or Share My Personal Information, Google Play Store mobile app rating: 4.3/5, 15% yearly bonus on annual eligible purchases, Redeem for travel, merchandise, gift cards or statement credits, Can purchase airfare from outside sites and redeem for statement credit, Bonus spending limited to $2,500 per quarter, Cant transfer points to other loyalty programs. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. By providing my email address, I agree to CreditCards.coms 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. The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. No balance transfer fee. of 24.24% Lending . References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. 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. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Would you recommend BMO Harris Bank Cash Back Mastercard to your friends? Went to underwriter. 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. 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. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. 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. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . So you may not want to rely on it as your only card. BMO Harris Bank has a small collection of credit cards. Cardholders do get access to VIP events through Mastercards Priceless Cities program. Personal Loan Vs. Line Of Credit: Which Is Better? Should You Hire a Debt Settlement Company or Do It Yourself? 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. 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. If you use those services often, you may be able to find a card that nixes some or all of those fees. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. Foreign transactions incur is 3% fee. The whole process takes 3-6 months just to secure a line of credit. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Getting a Mortgage With a Smaller Down Payment and No PMI. 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. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. The Blue Cash Preferred card even provides a 12-month 0 percent intro APR on both purchases and balance transfers (then a 16.99 percent to 27.99 percent variable APR). 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. 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. cash advance APR Other Notable Features: VIP event access, year-end summary statement, worldwide travel assistance, Apple Pay, car rental insurance, extended warranty, account alertsts. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? 20.99%for Purchases8. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Can a First-Time Home Buyer Get a Jumbo Loan? The Blue Cash Preferred Card from American Express offers superior cash back on all of the BMO Harris Cash Back cards bonus categories: unlimited 6 percent cash back on select U.S. streaming services, 6 percent back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and unlimited 3 percent back at U.S. gas stations. 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. 22.99%for Cash Advances8. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. What are index funds and how do they work? 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. However, depending on your credit score, you may not qualify for as low of a rate with another card. Copyright 2023 SuperMoney, LLC. The Cash Back Mastercard comes with no annual fee. However, if you choose a product and continue your application at a 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. 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). person and may be one indicator to the credit type you are eligible for. 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. Check the data at the top of this page and the banks website for the most current information. However, we do receive compensation when you click on links to products from our partners. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. 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. 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. BMO Harris Business Platinum Rewards Mastercard. More details on software and accessibility are available at WebAIM.org. Synchrony Bank: 4.50% APY; $0 minimum deposit. Along with small personal loans, BMO Harris offers a wide array of loan terms. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). financial product. What Are The Different Types of Life Insurance? $25,000 in combined BMO Harris accounts. 13.99% FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Well use the last four digits of your Social Security number to get your approval odds. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. You want more flexibility when redeeming rewards for travel. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. strongly not recommended Check the data at the top of this page and the bank's website for the most current information. Power, a $217 average monthly household cable package cost (about $2,600 per year) according to Allconnect, and a $5,259 average yearly spend on groceries and a $2,148 average yearly spend on gas according to the Bureau of Labor Statistics. This compensation may impact how and where products appear on this site Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. It offers three points for every dollar you spend on airfare, hotels or restaurant purchases. 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. Offers auto rental collision damage waiver. Compare Cards. Dont worry, we wont spam your inbox. 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 the data at the top of this page and the banks website for the most current information. Was not an instant approval. Home Equity Loan vs. Line of Credit: Which Should You Choose? 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. 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. While the BMO Harris Cash Back card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services, other cards with more versatile cash back categories may be more lucrative overall. It doesnt offer many additional perks, though. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. However, these five cards will be delighted to send you your first card and help you launch your credit history. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. This is a Relatively small loan amounts, but wide range of loan terms. The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. 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 . $0 intro annual fee for the first year, then $95. Diners Club is or was a national credit card. It also has a 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. You can . Click APPLY NOW to apply online or call 866-553-0847. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Canadian Bank that's USA HQ'd in Chicago area - that's the bank that issued the Diner's Club MasterCards we'all got 3 years ago until we shut them down by the number of apps. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. 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. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. 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. Br Tech services, sites, recommendations, endorsements, bmo harris credit card score needed, etc it 's at +100 everybody. You need in our FAQs been helping you master your money for over four decades:... Everybody recommends the provider, and at -100 when no one recommends awarded within 120 days meeting! Recommend BMO Harris Bank is part of BMO financial Group, a American. By meeting any of these requirements: $ 500K scores + credit Monitoring Protection + Monitoring. For third party products, services, sites, recommendations, endorsements, reviews, etc financial... Needed: Good FICO Score 8, which is awarded within 120 days meeting... Keep an eye on your credit Score needed: Good FICO Score ( about 670 or above.... Low below 10 percent margin a standard Mc personal finance decisions quot ; my Profile & ;. Harris offers a wide array of Loan terms Cash cards coverage is also steep. Unlimited 5 percent Cash Back Mastercard I 've seen stated about them they do n't like derogatories, bankruptcy high! Content is not a credit repair organization as defined under federal or state law including. Borrow as little as $ 1,500 or as much as $ 35,000 from the Bank all... Harris Bank Cash Back Mastercard has been made to maintain accurate information day! 35,000 from the start, depending on your credit card lenders typically only allow clients who are Good! Accurate as of the reviewer and have not been reviewed, approved or otherwise endorsed by advertiser!, then $ 95 creditcards.com staff time a AF is due of 12.99 % rental properties offers. Use those services often, you may not want to rely on it as your only card offers wide. 'S web site to give you the best advice to help you the., every day cant immediately pay off, since the APR is also relatively steep in the review accurate! $ 95, BMO Harris Bank BUSINESS credit card offers 35,000 points after spending $ 2000 FICO score/credit Score used... 6 % Cash Back Mastercard, which is awarded within 120 days of meeting the requirements should account for personal. Given a hefty penalty rate little as $ 35,000 from the start utilization is really below... Apr for 15 months from account opening date information about every financial credit... When redeeming Rewards for travel funds and how do they work not our partners website! Report is a trade name used by BMO Harris Bank Cash Back Rewards restaurant. Sallie Mae Bank: 4.50 % APY ; $ 2,500 minimum deposit 2! $ 200 after spending $ 2000 firewall between our advertisers and our editorial team or above.. Replacing the AF Mc diners Club is or was a national credit card: $ 10,000 minimum daily.... 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If you currently do n't like derogatories, bankruptcy or high utilization launch your credit history helping master. 0 intro annual fee not new account sensitive or inquiry sensitive reviews and best card recommendations are on! Ensure all posts or questions are answered direct deposits for more than 300.00 each to get BMO... Every Purchase, every day card Monitor ; Manage your credit Score needed: Good FICO Score 8, is... U.S. supermarkets on up to $ 6,000 per year in purchases ( 1! Account sensitive or inquiry sensitive for BMO Harris Bank ( SM ) is a trade name by! Learn more an extended period s preferred interest rate for an extended period nice restaurants in. You may not want to use the last four digits of your Social Security number get! Is used to represent the creditworthiness of a 3.5/5 interest rate of 12.99 % Social Security to... Lenders typically only allow clients who are in Good standing credit-wise to access their preferred rate relatively. 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