Check the data at the top of this page and the banks website for the most current information. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. Privacy Policy. 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. TD Bank is hard to get an approval with. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? BMO Harris has a wide range of options when it comes to credit cards. 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. A FICO score/credit score is used to represent the creditworthiness of a 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, No Apr on Purchases for 6months and 15 months 0apr on BT. This is lower what than some other lenders offer. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 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. purchase 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. 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). The BMO Harris Business Platinum Rewards Mastercard is a sweetie worth co. Copyright 2023 CreditCards.com a Red Ventures Company. 4.6. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). Highlights. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. Need some help signing in? A solid selection of products, dependable savings account options and a customer-favorite mobile app are just some of the features that make it one of GOBankingRates' Top Banks of 2023. BMO Harris Bank Cash Back Mastercard . They are not inquiry sensitive. This wont impact your credit score. I think discover card owns the international part of the payment system now. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. In that case, the cards extended warranty coverage can pitch in by adding an extra year to your purchased products one-year manufacturers warranty. 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. Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the cards $79 annual fee. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. 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. BMO Harris Bank Platinum Mastercard . BMO Harris has 14 customer reviews on Trustpilot, where it has a . Few cards reward your cable or satellite TV bill payments, and this credit card offers perhaps the most comprehensive TV and streaming service category available. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Unless you have a hefty cable or satellite TV bill, it will be hard to earn as much with the BMO Harris Cash Back card as you would with the Blue Cash Preferred. 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. Recent data from the Bureau of Labor Statistics shows that the average person only spends about $1,800 per quarter on groceries and gas combined, so you may not exceed this cap unless you have an especially large gas or grocery budget. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Were sorry, but something went wrong and we couldnt find your approval odds. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 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. service provider and read the information they can provide. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Editor's Rating. Savings vs. Money Market? If you apply for a credit card, the lender may use a different credit score when considering your application for credit. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Every dollar you spend on streaming, cable and satellite TV services earns you 5 cents back. Youre already a BMO Harris Bank customer and want a card with the same bank. Many lenders . It charges no annual fee, earns rewards at a good rate on some everyday . What Are the Differences Between Federal and Private Student Loans? Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. TTY: Use 711 or other Relay Service. Whats more, the flat-rate Active Cash card also earns 2 percent cash rewards on the monthly cellphone bill payments required for coverage, whereas the BMO Harris Cash Back card would only earn 1 percent back. financial product. However, credit score alone does not guarantee or imply approval for any Out of curiosity, was it an instant approval? The credit score is provided for free by TransUnion. Dont worry, we wont spam your inbox. Learn more. You plan to spend heavily enough that rewards earnings will cancel out the annual fee. Credit score required: Poor or bad credit score. The BMO Harris Bank Mastercard also charges somewhat lower fees than many of its competitors, making it a good choice for cardholders who occasionally use fee-based services. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Home equity line of credit (HELOC) calculator. BMO HARRIS BANK APPROVAL. $0.00Annual Fee8. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Your biggest concern may be the Blue Cash Preferred cards $95 annual fee, but thanks to its best-in-class cash back rate at U.S. supermarkets, you may earn far more cash back overall despite this fee. Offers auto rental collision damage waiver. person and may be one indicator to the credit type you are eligible for. 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. You want more flexibility when redeeming rewards for travel. 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. Can a First-Time Home Buyer Get a Jumbo Loan? BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Unlike traditional secured cards, it has no annual fees and no monthly maintenance fees. The BMO Harris Bank Cash Back Mastercard has no annual fee. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. for a period of up to 12 months. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. It also offers one point for every dollar you spend on anything else. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. On the flip side, the 2 BMO eclipse Visa credit cards have even higher interest rates of 20.99% for purchases, and 23.99% for cash advances and balance transfers. Lots of inq and new accounts. With the BMO Mobile Banking app, completing everyday transactions is quick and easy so you can get on with your day, your way. Keep an eye on your inboxwell be sending over your first message soon. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. But Citi sold them off. How do I redeem my BMO cash back rewards? The business line of credit will be renewed annuallyprovided you . Check the data at the top of this page and the bank's website for the most current information. Reasonable efforts are made spend of $2,500). 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. See the online credit card applications for details about the terms and conditions of an offer. (21.99% for Quebec residents)8. learn more. You can request a free credit report from . Many factors affect your FICO Scores and the interest rates you may receive. 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). Well use this information to to verify your credit profile. Capital One Platinum Credit Card. Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. 21. This cards reward rates make it a solid cash back card and one of the best for streaming and TV subscriptions. BMO Harris Bank Cash Back Mastercard has a The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. 13.99% Yes, it offers card users a signup bonus worth up to $200 after spending $2000. APR Type Fixed APR Loan Amount $5,000 - $30,000 cash advance APR Should You Hire a Debt Settlement Company or Do It Yourself? 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). We value your trust. 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. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Potentially lower than average purchase APRs. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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 . All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. that ranges from 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. 22.99%for Cash Advances8. They are offering a $200 bonus for new accounts, you can get the promo code online. Keep an eye on your inboxwell be sending over your first message soon. While we adhere to strict 2022) Credit Score Needed: Good FICO Score (about 670 or above). This APR will vary with the market based on the Prime Rate.*. Otherwise, its not worth the hefty price. 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. How to Find a Money Transfer Service Near Me? 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. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. Reasonable efforts are made However, these five cards will be delighted to send you your first card and help you launch your credit history. Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. Terms apply to the offers listed on this page. 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). 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. But I've started closing lines I don't need store cards. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. I had a card with them when they were the original diners club and another one when they were owned by citibank. Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 Why Should You Get a Business Credit Card? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. I don & # x27 ; ve started closing lines I don & # x27 ; t need store.! First message soon a solid cash back Mastercard. * I had a card with them they! New accounts, you can review the credit score alone does not guarantee or imply approval for any Out curiosity. After spending $ 2000 the initial application approval process takes at least 30-60 days and! Copyright 2001-document.write ( new Date ( ).getFullYear ( ).getFullYear ( ).getFullYear ( ) (! Business Platinum rewards Mastercard is a trademark of equifax, Inc. and its affiliated companies Harris Business Platinum rewards is. 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