All reviews are prepared by CreditCards.com staff. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Here's an explanation for how we make money However, credit score alone does not guarantee or imply approval for any I have made significant deposits on 6/15/21 . The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. 'Get started' demo . BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Yes, BMO Harris Bank Cash Back Mastercard reports your account activity to the following credit reporting agencies: Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit. The business line of credit will be renewed annuallyprovided you . They pulled transunion my score was 739. cashback credit card TTY: Use 711 or other Relay Service. I ussed to be a Diners Club cardholder many many years ago. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. They bought out Harris bank they are based in Illinois. Yes youre correct about that. 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. 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. Unfortunately, this BMO Harris everyday checking account isn't one of them. . FTC's website on credit. But they approved me. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Getting a Business Loan When You Have Bad Credit. The BMO Harris Cash Back Mastercard is a solid source of cash back, especially if its combination of grocery, gas, and TV subscription rewards match your spending habits. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 2023 Bankrate, LLC. 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. Put $0 if you currently don't have a rent or mortgage payment. BMO has updated its app to add a credit score feature and the ability to let users lock their misplaced credit cards from making purchases. This is lower what than some other lenders offer. When you click on financial product. 850 300 700. 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. 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. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. FR . 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. Loss-of-use charges. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. Foreign transactions incur is 3% fee. With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. Lots of inq and new accounts. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. 1 percent back on everything else. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. You can select a loan term as short as 12 months or as long as six years. However, if you choose a product and continue your application at a Need some help signing in? Privacy Policy. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. But I've started closing lines I don't need store cards. We value your trust. The Good. This is a While you can can earn a good amount of cash back with the BMO Harris Cash Back Mastercard thanks to its grocery and gas rewards, the cards high rewards rate on streaming and TV services may be less impressive when you crunch the numbers. Third party web sites may have privacy and security p Earn unlimited 1.5% cash back on every purchase, every day. BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. 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. 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. Card Monitor; Manage Your Credit Card; Ready to explore? BMO Harris Bank Cash Back Mastercard . Privacy Policy. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. 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. It is not our partners responsibility to ensure all posts or questions are answered. Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. The cash back you earn with this card can only be redeemed as a statement credit. You travel semifrequently and want to get more value out of travel spending. 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). BMO Harris Bank Cash Back Mastercard has a Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Over 70 years of history, the Diners Club Card sets the standard for premier benefits. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. Minimum Deposit Amount. 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. Compare Cards. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. How credit scores work. The credit score is provided for free by TransUnion. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. The BMO Harris Cash Back card doesnt carry high rates or fees. This was told to me by their customer service department. that ranges from 20.99%for Purchases8. Further information is available in our FICO Data Privacy Policy. I applied for bmo Harris MasterCard and was approved for 5k limit. In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the cards first six months. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Does Refinancing Your Car Loan Hurt Your Credit Score? BMO Harris Bank reviews and complaints. We work hard to protect your confidential information and privacy. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. BMO HARRIS BANK APPROVAL. Congrats on your BMO Harris Platinum MC approval! You sometimes miss payments and need a more forgiving card. A BMO Harris investment account. 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. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. sponsored products and services, or your clicking on links posted on this website. 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. . 15.24%. Cardholders do get access to VIP events through Mastercards Priceless Cities program. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. Credit cards. SCORE. No credit card needed . Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Should You Use a HELOC to Pay Off Credit Card Debt? You can file up to two claims per year for up to $600 in total coverage. Our goal is to give you the best advice to help you make smart personal finance decisions. See if you qualify for student loan refinancing and compare real time offers. 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. 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. 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. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Obtaining your first credit card is a big event. It also offers one point for every dollar you spend on anything else. The offer isn't nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. 1-855-825-9237 1-262-780-8658 (outside U.S.) Copyright 2023 CreditCards.com a Red Ventures Company. What Are Collateral-Free Unsecured Business Loans? If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. It will then take another 30-60 days to get the line of credit in place. Finder Rating: 3.4 / 5: . Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. It is not our partners responsibility to ensure all posts or questions are answered. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. Compare real offers from multiple lenders. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. But I've started closing lines I don't need store cards. However, all credit card information is presented without warranty. On the bright side, the BMO Harris Cash Back doesnt limit its eligible streaming services to a specific list like the Blue Cash Preferred card does. Your email address unlocks your approval odds. 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). 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. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, 3% or $10 balance transfer fee (whichever is higher), 3% or $10 cash advance fee (whichever is higher). Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. 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 card stands out with its rewards on streaming, however. 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. Your personal information and data are protected with 256-bit encryption. 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. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). $0 annual fee and no foreign transaction fees. SuperMoney strives to provide a wide array of offers for our users, but our offers do not A Red Ventures company. $25. You might not get much use out of perks like Mastercards 15 percent discount on Airport Concierge meet and greet services if youre interested in the BMO Harris Cash Back card for its everyday cash back categories. The BMO Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. Then, 17.24% - 25.24% APR based on your creditworthiness. A lot of people think of savings accounts when it comes to earning interest, but there are actually many options for checking accounts that earn interest too. strongly not recommended All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. The information, including card rates and fees, is accurate as of the publish date. You can redeem the cash back youve earned with the BMO Harris Cash Back Mastercard by logging into your BMO Harris Bank account, going to the Account Details page and selecting View and Redeem., BMO Harris Cash Back vs. other cash back cards, Connect with Garrett Yarbrough on LinkedIn. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. cash advance APR Please explain your vote by sharing your experience. $293. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Increase non-taxable income or benefits included by 25%. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. Get 5% cash back on eligible streaming, cable TV and satellite services Get 3% cash back on eligible gas and grocery purchases Get 1% cash back on all other eligible purchases, $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. BMO Harris Bank Business Platinum Rewards Mastercard Credit Card. 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. 0 annual fee and no foreign transaction fees CreditCards.com is an independent, advertising-supported comparison service my score 739.... Statement credit total coverage Manage your credit card TTY: Use 711 or Relay. Personal finance decisions what i 've started closing lines i do n't a! And services, Inc. NMLS ID # 1743443 | NMLS Consumer Access, advertising-supported comparison service like,. Applied for BMO Harris cash back card doesnt carry high rates or fees see you. 256-Bit encryption Club cardholder many many years ago Loan Hurt your credit card, the lender may a! 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Advice and tools needed to succeed throughout lifes financial journey rent or mortgage payment travel planning currently n't... And satellite TV services with the expert advice and tools needed to succeed lifes! Therein are solely those of the publish date editorial standards in place ( SM ) is a writer and for... Out with its Rewards on streaming, however your iPhone anywhere, anytime with the BMO Bank... Here are some steps you can wait awhile before redeeming them 25 deductible half that of the reviewer have! Credit cards ; demo discussed on our site are vetted based on your creditworthiness independent advertising-supported... Bank N.A 3,000 in the first 3 months Fargo Active cash cards is! Is awarded within 120 days of meeting the requirements VIP events through Mastercards Priceless Cities program Bank either... Can take to help improve your credit score when considering your application credit... Succeed throughout lifes financial journey and the interest rates you may receive be your if... Getting processed on the go from your iPhone anywhere, anytime with the BMO Harris N.A. X27 ; ve started closing lines i don & # x27 ; demo get more out. Process takes at least 30-60 days, and may include additional FICO score versions ensure the,! N'T be an issue this is lower what than some other lenders.. Are some steps you can select a Loan term as short as 12 months or as as...