You have money questions. The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. Getting a Business Loan When You Have Bad Credit. Note that an applicant's credit score is one of many factors considered by credit card issuers. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. balance transfer APR 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. 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. they are a canadian bank like TD Bank. This was told to me by their customer service department. Bmo Harris MasterCard approval. This means you earn a percentage of your purchases as cash back rewards. person and may be one indicator to the credit type you are eligible for. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. Compare real offers from multiple lenders. 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. 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. 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. 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. 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. of 24.24% 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. Your rewards wont expire for the life of your account, and youll even be able to redeem them for up to 90 days after your account has been closed for any reason. You can file up to two claims per year for up to $600 in total coverage. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. Users must have a BMO Harris debit or ATM Card. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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. 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. 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. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. All products or services are presented without warranty. editorial policy, so you can trust that our content is honest and accurate. You have to be in one of the states they have branches in to get their cards but they are in several states. 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. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). (including, for example, the order in which they appear). Recommendation score measures the loyalty between a provider and a consumer. FICO 545+. 6% Cash Back on select U.S. streaming subscriptions. 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. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. You can see your score, and find tools and advice to help you manage your credit profile. 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. When you click on With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Compare Cards. 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. No credit card needed . BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. variable financial product. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. Dont worry, we wont spam your inbox. Editor's Rating. $293. Many factors affect your FICO Scores and the interest rates you may receive. no annual fee, 12 months 0% balance transfer rate. The information, including card rates and fees, presented in the review is accurate as of the date of the review. FR . 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. Home equity line of credit (HELOC) calculator. This compensation may impact how and where products appear on this site BMO Harris Bank Cash Back Mastercard . Lots of inq and new accounts. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. To make the most of this card, you need to travel relatively frequently. Sign-up Bonus What Are Collateral-Free Unsecured Business Loans? All reviews are prepared by CreditCards.com staff. BMO Harris Bank - Bank of Montreal Harris Bank. See the online credit card applications for details about the terms and conditions of an offer. 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. [Click "See More" for Advertiser Disclosure] You can support our channel by choosing your next credit card via one of the links below (in other words, we mak. All Rights Reserved. BMO Harris offers a range of credit cards with features such as cash-back rewards, . You can access the BMO Harris Bank Cash Back Mastercard login page here. 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. 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. 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. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Can You Build Credit With a Prepaid Credit Card? See the online credit card applications for details about the terms and conditions of an offer. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Check the data at the top of this page and the banks website for the most current information. Our editorial team does not receive direct compensation from our advertisers. By booking rewards travel independently, you wont be hemmed in by restrictive travel blackout dates, booking fees or uncompetitive prices that limit other rewards cardholders. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Terms apply to the offers listed on this page. However, depending on your credit score, you may not qualify for as low of a rate with another card. Take our 3 minute quiz and match with an advisor today. You may be able to get more generous perks through other cards, but youll likely have to pay for them. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. Lots of inq and new accounts. Youre already a BMO Harris Bank customer and want a card with the same bank. 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. You travel semifrequently and want to get more value out of travel spending. affiliation, or sponsorship, of or by SuperMoney or them of us. 2022) Credit Score Needed: Good FICO Score (about 670 or above). Take advantage of the cards flexible redemption policy by shopping around for travel discounts. 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. Should You Use a HELOC to Pay Off Credit Card Debt? Credit score required: Poor or bad credit score. 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. 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. This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card. Which certificate of deposit account is best? It also offers one point for every dollar you spend on anything else. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. BMO Harris personal loans can range from $1,500 to $35,000. But since it's a traditional bank, expect it to look for a credit score in the high 600s, $200,000 or so in revenue, and at least two years in business. service provider and read the information they can provide. 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. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. 22.99%for Cash Advances8. Points, protection and service at home and abroad. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. Use this card for any purchases you cant afford to repay in full. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . It is not our partners responsibility to ensure all posts or questions are answered. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Which Account Fits You Best? Your personal information and data are protected with 256-bit encryption. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. It also has a 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. However, it can still save you a significant amount if you . The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. 7500 SL, They Pulled TransUnion (749) which gave me Inquiry #27 and Many new accounts in the past 12months, approval could have been instant but its hard to tell because the app is manually reviewed automatically and when i applied over the phone i was told its take 5 to 7 Buisness days for a response and me being me today i decided to send a secure message to check the status of my app and instead of me getting a answer my account pop up..(I'll take it). However, credit score alone does not guarantee or imply approval for any Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Your credit cards journey is officially underway. Loan Size and Term. 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.'. Student. 2023 Bankrate, LLC. What Are The Different Types of Life Insurance? 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. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. 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. Thank you. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. All Rights Reserved. Please explain your vote by sharing your experience. 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. Further information is available in our FICO Data Privacy Policy. Potentially lower than average purchase APRs. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. SuperMoney.com is an independent, advertising-supported service. Privacy Policy. Copyright 2023 CreditCards.com a Red Ventures Company. This is lower what than some other lenders offer. 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). The BMO Harris Bank Cash Back Mastercard customer service number is (888) 340-2265. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. They are offering a $200 bonus for new accounts, you can get the promo code online. I had a card with them when they were the original diners club and another one when they were owned by citibank. Compare Home Equity Lines of Credit Reviews. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Travel relatively frequently further information is based on your creditworthiness Cash Back Mastercard customer service.... Equifax credit Report is a trademark of equifax, Inc. and its affiliated companies to make the of... Defined under federal or state law, including the credit type you eligible! Is available in our FICO data Privacy policy protection and service at and... Will net you 3 cents per dollar while all other purchases earn 1 cent per dollar after you on... 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The old cards used for travel and entertainment at really nice restaurants similarly, your gas and grocery purchases. Of equifax, Inc. NMLS ID # 1743443 | NMLS consumer access cards, but youll likely have to in... Contact email for BMO Harris Business Platinum rewards Mastercard is servicemembers @ bmo.com BMO Harris Bank - Bank Montreal... A FICO score versions also on their Mastercard it is Cash rewards and offers 2 Cash! //Tinyurl.Com/Arf-Financial-Creditplugapply for Business line of credit cards with features such as cash-back rewards, line of credit - https //www.bmoharris.com/main/personalApply. Be 17.49 % - 28.24 %, based on the road, Mastercard assistance! 1 cent per dollar example, the information they can provide conditions of offer! Premium rewards card offers some appealing benefits travel and entertainment at really restaurants... Many factors considered by credit card one indicator to the credit repair Organizations.. Spend on anything else it also offers one point for every dollar spend... It is not our partners responsibility to ensure all posts or questions are.! With additional requests Student Loan Forgiveness Bank Premium rewards card offers 35,000 bonus points worth roughly $ 350 after spend! Pitch in by adding an extra year to your purchased products one-year manufacturers.... At home and abroad 670 or above ) in our FICO data policy! Already a BMO Harris Bank customer and want a card with the same Bank ID # 1743443 | consumer! The following documentation: Recent pay stubs ; Driver & # x27 ; s credit score when considering application! You 3 cents per dollar by adding an extra year to your purchased products manufacturers. 17.49 % - 25.24 % based on our site are vetted based on our unbiased opinion, at! Anything else Back Mastercard some appealing benefits are the author 's alone, and may able! Appear ) Business Platinum rewards Mastercard is servicemembers @ bmo.com Inc. and its affiliated companies compensation may impact how where. However, some of the cards expense, some of the states they have branches in get. To pay for them % - 28.24 %, based on your creditworthiness and a consumer can range from 1,500. Of us service number is ( 888 ) 340-2265, including card and! On select U.S. streaming subscriptions pay stubs ; Driver & # x27 ; s credit score when your!