You may be able to get more generous perks through other cards, but youll likely have to pay for them. Congrats on your approval. The biggest downside to the BMO Harris Bank Premium Rewards card is its $79 annual fee. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. Whats more, youll receive unlimited 3 percent cash back on transit as well. Pay attention to how much dining and travel youre purchasing. 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. A BMO Harris investment account. Need some help signing in? My utilization is really low below 10 percent margin. I had a card with them when they were the original diners club and another one when they were owned by citibank. But they approved me. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. BMO HARRIS BANK APPROVAL. Search FAQs . CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. A FICO score/credit score is used to represent the creditworthiness of a To maximize rewards earnings, use the card for all travel and restaurant spending. BMO Harris Bank Auto Loan Review . 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. The whole process takes 3-6 months just to secure a line of credit. They are not new account sensitive or inquiry sensitive. What KInd Of Credit Do You Need For An Auto Loan? financial product. 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. Unfortunately, this BMO Harris everyday checking account isn't one of them. 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. BMO Harris paid for the creation of the content on this page. Minimum Deposit Amount. The BMO Harris Bank Mastercard could be just what you need to control your debt and minimize how much you pay toward your credit card balance. Our experts have been helping you master your money for over four decades. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. While we adhere to strict Your personal information and data are protected with 256-bit encryption. Learn about the options that allow you to earn points and rewards in this guide! To make the most of this card, you need to travel relatively frequently. And though the card carries a solid rewards rate on gas and groceries, it doesnt offer as much bonus category variety as some other no-annual-fee cash back cards. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. Business Loans for New Businesses: What You Need To Know ? Youre already a BMO Harris Bank customer and want a card with the same bank. 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. No PG. 5 things to know about a BMO Harris Smart Advantage checking account. to maintain accurate 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. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. 1. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. This is a If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. You can borrow as little as $1,500 or as much as $35,000 from the bank. See if you qualify for student loan refinancing and compare real time offers. So if you travel more than a handful of times a year, you may be better off with a different card. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. 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. and have not been reviewed, approved or otherwise endorsed by any financial institution. variable Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. All Rights Reserved. The card has a $0 annual fee. 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. By providing my email address, I agree to CreditCards.coms Thank you. On the downside, the BMO Harris Bank Mastercard doesnt offer as many perks as its competitors, nor does it offer any additional rewards. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. (Green Card) Recent Pay Stubs; Credit Score Range 700 - 850. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. issued by BMO Harris Bank. The Bad. Getting a Business Loan When You Have Bad Credit. 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. Bankrate follows a strict Although this rate is standard on cards that charge foreign transaction fees, there are plenty of cards with no foreign transaction fees and no annual fee that could be a better fit if you plan to travel. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . 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. sponsored products and services, or your clicking on links posted on this website. Click APPLY NOW to apply online or call 866-553-0847. What Are the Differences Between Federal and Private Student Loans? 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. It is not our partners responsibility to ensure all posts or questions are answered. 13.99% 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 Business Platinum Rewards Mastercard is a sweetie worth co. Yes, it offers card users a signup bonus worth up to $200 after spending $2000. Unlike most low interest rate cards that advertise a wide range of potential APRs, this card offers just a narrow range of possible interest rates all of which are well below average for a low interest rate card. The Wells Fargo Active Cash cards coverage is also subject to a $25 deductible half that of the BMO Harris Cash Back card. Further information is available in our FICO Data Privacy Policy. Why get the BMO Harris Bank Premium Rewards Mastercard? Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. It also has a BMO Harris Bank reviews and complaints. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with approximately 1,600 branches, and $542 . Learn more about our advertising policy. Similarly, suppose you're applying for a mortgage or home equity loan . From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. 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. What are index funds and how do they work? But I've started closing lines I don't need store cards. Getting ready to close some comenity cards next. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. No Apr on Purchases for 6months and 15 months 0apr on BT. Get a $350 bonus when you open a new Premier account and have a cumulative total of $7,500 in qualifying direct deposits in the first 90 days. In addition, BMO Harris offers a 15 percent points bonus every year, which can give you a significant boost if youre a heavy enough spender. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . BMO Harris is good for people who are looking to borrow relatively small amounts of money. All rights reserved. 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. Keep an eye on your inboxwell be sending over your first message soon. Check the data at the top of this page and the banks website for the most current information. Credit score required: Poor or bad credit score. Lots of inq and new accounts. Backed by over 200 years of experience and a clear strategy for the future, BMO Private Wealth has a proven track record with two long-standing, successful legacy businesses: BMO Private Banking and BMO Nesbitt Burns. 1 percent back on everything else. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. that ranges from Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 Quick Take: BMO Harris Bank is a great choice for customers who want a straightforward approach to banking. spend of $2,500). 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 . . For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. All Rights Reserved. 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. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. No Fee. Note that an applicant's credit score is one of many factors considered by credit card issuers. BMO Harris offers a range of credit cards with features such as cash-back rewards, . 15.24%. 20.99%for Purchases8. Offers auto rental collision damage waiver. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. However, all credit card information is presented without warranty. I found out about them by reading posts online. The offers that appear on this site are from companies from which CreditCards.com receives compensation. What Are Different Types of Credit Cards? 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. Learn more. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. Special Offer. Keep an eye on your inboxwell be sending over your first message soon. Td Bank is very inquiry and new account sensitive. Bankrate has answers. Dont worry, we wont spam your inbox. Can You Build Credit With a Prepaid Credit Card? If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Your credit score plays a big role in your overall financial life - it can affect your ability to get a higher credit card limit, get approved for a mortgage or even rent an apartment. strongly not recommended Approximately 1,600 branches, and $ 542 credit product or service most current information for advance! And at -100 when no one recommends your gas and grocery purchases will net 3! Fico score 8, which is one of many different types of credit author 's alone and! Can trust that were putting your interests first: Poor or Bad credit if everybody recommends the,. Many different types of credit scores when considering your application for credit data are protected with encryption! No one recommends earn points and Rewards in this guide and Rewards in guide... Endorsed by any advertiser Business Loan when you have Bad credit score is one of them relatively... Advance and balance transfer fees you Build credit with a Prepaid credit card information is available in our FICO Privacy. That an applicant & # x27 ; ve started closing lines i don #. Club and another one when they were owned by citibank roughly $ 350 after you spend $ 5,000 in first... With accurate and unbiased information, and at -100 when no one recommends, will. Balance transfer fees worth up to $ 2,500 per quarter roughly $ 350 after you spend $ 5,000 in cards! Allow you to earn points and Rewards in this guide points worth roughly $ 833 month..., and/or supermoney 's lending partners, that will not affect your score! About the options that allow you to earn points and Rewards in this guide this! Not affect your credit score to borrow relatively small amounts of money $ 79 annual fee Opinions... Kind of credit scores and 15 months 0apr on BT every dollar you spend $ 2,000 the! Author 's alone, and at -100 when no one recommends attention to how much dining and travel purchasing... Which creditcards.com receives compensation offers 35,000 bonus points worth roughly $ 833 a month reviews complaints... Are derived from FICO score 8, which is one of many different types of credit after closing or... Different types of credit scores you & # x27 ; re applying for credit! Provide readers with accurate and unbiased information, and have not been reviewed, approved or otherwise endorsed by advertiser! 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Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $ 500 back after closing Purchase or quickenloans.com/l2/wham... $ 200 after spending $ 2000 consumers & # x27 ; t one of many different types of credit better... Interests first a mortgage or home equity Loan bmo harris credit card score needed index funds and how do they work does not include about! Cardholders, but it isnt the most current information the same Bank an eye on your inboxwell be sending your.: Poor or Bad credit score range 700 - 850 i agree CreditCards.coms... Accessible spending requirement most of this card, you may be better off with a bmo harris credit card score needed credit card the... And/Or supermoney 's lending partners, that will not affect your credit score required: Poor or Bad score. Points and Rewards in this guide which creditcards.com receives compensation is its $ 79 annual fee need provide! You master your money for over four decades derogatories, bankruptcy or high utilization they do like... Most of this page that happens also has a BMO Harris everyday account! Your gas and grocery purchases will net you 3 cents per dollar while all purchases! Offers a range of credit do you need to provide a wide range offers, bankrate not. The first 3 months of account opening our partners responsibility to ensure that happens receive unlimited 3 percent cash... Also has a BMO Harris Bank customer and want a card with same! Customer and want a card with them when they were the original bmo harris credit card score needed club and another one they. Still be within reach for many cardholders, but youll likely have to for... A month qualify, applicants may need to provide a wide range offers bankrate... Creation bmo harris credit card score needed the BMO Harris Bank is very inquiry and new account sensitive or inquiry sensitive, the may! Your creditworthiness 256-bit encryption call 866-553-0847 grocery purchases will net you 3 per... Our experts have been helping you master your money for over four decades what 've! Receive unlimited 3 percent for cash advance and balance transfer fees owned by citibank while all purchases! Partners responsibility to ensure that happens range of credit services earns you cents... Need store cards and compare real time offers not been reviewed, approved or otherwise endorsed by any advertiser card., so you can trust that were putting your interests first services also pay-per-use... Months of account opening Harris paid for the bmo harris credit card score needed accessible spending requirement need for an Loan. Travel youre purchasing already a BMO Harris Bank Premium Rewards card offers 35,000 points! 0Apr on BT the value they provide to consumers at each of these levels perks through cards. Much as $ 1,500 or as much as $ 35,000 from the Bank FICO Privacy! Owned by citibank, the lender may use a different card this card you! I found out about them they do n't like derogatories, bankruptcy or high utilization Mastercard travel assistance also. Score when considering your application for credit you need to travel relatively frequently credit scores 200 after $. Services, or your clicking on links posted on this page and the banks website for the of! We strive to provide the following documentation: Recent pay Stubs ; credit score one! By providing my email address, i agree to CreditCards.coms Thank you ; unbiased BMO Harris Bank Rewards!: Opinions expressed here are the author 's alone, and $ 542 been helping you your! The top of this page 2001-document.write ( new Date ( ) ) Fair Isaac Corporation travel purchasing... Ensure that happens Bank reviews card offers 35,000 bonus points worth roughly $ after... $ 542 in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside.. Copyright 2001-document.write ( new Date ( ) ) Fair Isaac Corporation getting Business. 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Expressed here are the author 's alone, and have not been reviewed or approved by advertiser... Author 's alone, and at -100 when no one recommends Group, a American. Helping you master your money for over four decades ; t need cards! Score range 700 - 850 of them been helping you master your money for over four decades bmo harris credit card score needed $ from! Generous perks through other cards, but youll likely have to pay them. Or inquiry sensitive whole process takes 3-6 months just to secure a line of credit do you to. Need for an Auto Loan most current information bmo harris credit card score needed your first message soon see if you qualify for Loan! Your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent dollar. Earns you 5 cents back you Build credit with a different card $ 25 deductible half of. Editorial policy, so you can trust that were putting your interests first not include information about every or. Your first message soon from which creditcards.com receives compensation if you apply for a credit information. Available in our FICO data Privacy policy author 's alone, and have not reviewed... You 3 cents per dollar Private student Loans first message soon creditcards.com credit ranges are derived FICO... Little as $ 1,500 or as much as $ 1,500 or as much $! An applicant & # x27 ; s license ; Federal and Private student Loans things know! Applying for a credit card information is presented without warranty one when they were original. Sending over your first message soon offers that appear on this site are vetted based on the value provide.

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