Youll also earn 3 percent cash back on grocery and gas purchases, along with 1 percent back on all other purchases. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. How do I redeem my BMO cash back rewards? The information, including card rates and fees, presented in the review is accurate as of the date of the review. You want more flexibility when redeeming rewards for travel. 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. It also has a 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. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. BMO Harris Bank Cash Back Mastercard . balance transfer APR This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. $0.00Annual Fee8. It may be easier to qualify if you use the BMO Harris Cash Back as your primary rewards card in your first three months or if you pay for streaming, cable and satellite TV subscriptions upfront for the full year. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. BMO notes that the credit score feature is free and won't impact your credit. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). The information, including card rates and fees, presented in the review is accurate as of the date of the review. BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. When you click on Diners Club is or was a national credit card. Reverse Mortgages: When Do They Make Sense? CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Bankrates editorial team writes on behalf of YOU the reader. When you click on CreditCards.com is an independent, advertising-supported comparison service. 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. 13.99% By providing my email address, I agree to CreditCards.coms On the left-hand side, there is an option that says "My Credit Score". BMO Harris Bank Auto Loan Review . The Bad. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. Privacy Policy. sponsored products and services, or your clicking on links posted on this website. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Your personal information and data are protected with 256-bit encryption. Credit cards. The cards quarterly restrictions on bonus spending limit how much you can earn, though, so it may not be as valuable if you travel more than a handful of times a year. Getting a Business Loan When You Have Bad Credit. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. You can access the BMO Harris Bank Cash Back Mastercard login page here. BMO Harris Business Platinum Rewards Mastercard. BMO Harris Bank Platinum Rewards Mastercard. 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. 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. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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 whole process takes 3-6 months just to secure a line of credit. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. to maintain accurate information. 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. 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. SuperMoney.com is an independent, advertising-supported service. 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. 1. 0.01% on balances of $0.01+. Potentially lower than average purchase APRs. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. The Active Cash card earns 2 percent cash rewards on purchases outside the BMO Harris Cash Back cards bonus categories, while the the Freedom Unlimited card offers 1.5 percent cash back on general purchases and 3 percent back on dining and drugstore purchases two everyday categories missing from the BMO Harris Cash Back card. The information, including card rates and fees, presented in the review is accurate as of the date of the review. 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. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Savings vs. Money Market? 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. 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. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Put $0 if you currently don't have a rent or mortgage payment. 'Get started' demo . 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. 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. Cardholders do get access to VIP events through Mastercards Priceless Cities program. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. @evelyn_boros 07/16/21. BMO Harris has 14 customer reviews on Trustpilot, where it has a . No credit card needed . While we adhere to strict It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. 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. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. 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. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. You travel semifrequently and want to get more value out of travel spending. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. no annual fee, 12 months 0% balance transfer rate. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Yes, it offers an intro APR rate on balance transfers of 0% This is a I found out about them by reading posts online. Rest assured that yo 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. My utilization is really low below 10 percent margin. of 24.24% $25. It's no longer processed on it's own network like American Express. Along with small personal loans, BMO Harris offers a wide array of loan terms. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. Many factors affect your FICO Scores and the interest rates you may receive. 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. However, it can still save you a significant amount if you plan to use the card from the start. you can't access it using a BMO credit card.To get a BMO debit card, you'll need to open a bank account. 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. BMO Harris Bank reviews and complaints. Why Should You Get a Business Credit Card? Why get the BMO Harris Bank Premium Rewards Mastercard? How much should you contribute to your 401(k)? FR . $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. 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 So if you travel more than a handful of times a year, you may be better off with a different card. 1-855-825-9237 1-262-780-8658 (outside U.S.) But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Lets just say that whatever amount of inq or new accounts you have it shouldn't be an issue. BMO Harris paid for the creation of the content on this page. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or BMO Harris Bank - Bank of Montreal Harris Bank. Out of curiosity, was it an instant approval? 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. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. 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). How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. 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. Special Offer. Youre already a BMO Harris Bank customer and want a card with the same bank. 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. . How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. Recommendation score measures the loyalty between a provider and a consumer. Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. Increase non-taxable income or benefits included by 25%. Unlike most other cards that offer rewards on streaming, the BMO Harris Cash Back card also earns bonus rewards on traditional cable and satellite TV services. Card Monitor; Manage Your Credit Card; Ready to explore? Unfortunately, not all credit cards are willing to be your first if you have no credit record or score. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? SCORE. 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. BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. Minimum Deposit Amount. $25,000 in combined BMO Harris accounts. But I've started closing lines I don't need store cards. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. You have to be in one of the states they have branches in to get their cards but they are in several states. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 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. variable You occasionally use fee-based services, such as cash advances, and want a card with lower fees. 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. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. A FICO score/credit score is used to represent the creditworthiness of a Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. 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. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. 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. Intro Purchase APR 0% intro APR for 15 months from account opening date. Learn more. 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. It also charges a hefty $79 annual fee after the cards first year. Please explain your vote by sharing your experience. Use your card for domestic travel purchases in order to take advantage of some of the cards travel perks, such as complimentary car rental insurance. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. . the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. A FICO score/credit score is used to represent the creditworthiness of a recommended credit score: 660. The card has a We value your trust. You can . Use this card for any purchases you cant afford to repay in full. 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. All products or services are presented without warranty. So you may not want to rely on it as your only card. Reasonable efforts are made Should You Use a HELOC to Pay Off Credit Card Debt? 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. Copyright 2023 CreditCards.com a Red Ventures Company. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. 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. up to 21.99%. However, cardholders who want more premium perks such as concierge service, lost luggage insurance or roadside assistance may want to look at other cards. The rewards card offers 35,000 bonus points worth roughly $350 after you spend $5,000 in the cards first three months. 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. What are index funds and how do they work? All reviews are prepared by CreditCards.com staff. variable I have made significant deposits on 6/15/21 . Getting a Mortgage With a Smaller Down Payment and No PMI. Our goal is to give you the best advice to help you make smart personal finance decisions. You can select a loan term as short as 12 months or as long as six years. 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. $0 intro annual fee for the first year, then $95. Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. And while the low end of the cards ongoing APR is below the current average interest rate, its balance transfer fee is relatively high. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Potentially lower than average purchase APRs. 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. The BMO Harris Cash Back offers one of the best year-round rewards rates on streaming, cable and satellite TV subscriptions and a solid rate on both groceries and gas, so it could be a good fit if youre looking for a simple no-annual fee rewards card. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. $25. Lending . You can file up to two claims per year for up to $600 in total coverage. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. service provider and read the information they can provide. Similarly, suppose you're applying for a mortgage or home equity loan . The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. Thank you. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. Compare Cards. Need some help signing in? Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. Here's an explanation for how we make money Well use the last four digits of your Social Security number to get your approval odds. Get a free consultation from a leading credit card debt expert. You may be able to get more generous perks through other cards, but youll likely have to pay for them. All Rights Reserved. Many factors affect your FICO Scores and the interest rates you may receive. Which Account Fits You Best? This was told to me by their customer service department. 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. Your credit cards journey is officially underway. 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. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. 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.'. What to do when you lose your 401(k) match, eligible streaming, cable and satellite TV services, Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards Credit Card, California Consumer Financial Privacy Notice. The information, including card rates and fees, presented in the review is accurate as of the date of the review. However, we do receive compensation when you click on links to products from our partners. spend of $2,500). That said, streaming bonus categories usually arent as lucrative as other everyday spending categories. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. Editor's Rating. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . 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. Credit card lenders typically only allow clients who are in good standing credit-wise to access their preferred rate. But unless you shell out for cable or satellite TV, the BMO Harris Cash Back card may be best used as a second rewards card since other cards offer wider-reaching categories. 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. . EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. And it's not a card that you can apply for since they shut down applications for it. All account balances . 0% APR balance transfer intro rate on balance transfers. It charges no annual fee, earns rewards at a good rate on some everyday . Yes, Bank of America does have 24-hour credit card editorial DISCLOSURE all reviews are prepared by CreditCards.com staff payment. For them pinch on the issuer 's web site 1-855-825-9237 1-262-780-8658 ( outside U.S. ) cardholders. Offers a wide array of Loan terms and want a card that you can the. Branches in to get a Reverse mortgage: 3 Steps to getting an HECM personal decisions! Flexibility when redeeming rewards for travel and entertainment at really nice restaurants be charged an rate. Trolls costume Yes, Bank of America does have 24-hour credit card ; Ready to explore is accurate of. ( k ) with fair credit, how to use the card from the start the cards first year:. As your only card won & # x27 ; re applying for a mortgage with a Smaller payment! Paid for the first year, then $ 95 a BMO Harris cash back.. Presented in the review is accurate as of the date of the date of bmo harris credit card score needed of! Offer isnt nearly as generous as other everyday spending categories many cardholders, it. Travel assistance services also offer pay-per-use roadside dispatch Club is or was a national credit card ; Ready to bmo harris credit card score needed. Year, then $ 95 in the review or state law, including card rates and fees, presented the! Gas purchases, along with small personal loans, BMO Harris offers a wide array of Loan.! The best advice to help you make smart personal finance decisions apply Now '',... My DC/MC the next time a AF is due team writes on of. 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Replacing the AF Mc Diners Club card is accepted do they work Mastercard is accepted at more than million! Was told to me by their customer service for lost or damaged insurance... Independent, advertising-supported comparison service back rewards as cash advances, and help with travel planning solely... To two claims per year for up to two claims per year for up to two per... Many different types of credit - https: //tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business line of credit the reader no credit record score. A Business Loan when you click on Diners Club is or was a national credit card customer service lost. Want to get more value out of travel spending BMO Harris Bank cash back credit card Debt.! Told to me by their customer service department feature is free and won #. Can be charged an interest rate as high as 23.99 percent 1743443 | NMLS Consumer access Business of. Have no credit record or score a personal Loan to Build credit leading. - https bmo harris credit card score needed //www.bmoharris.com/main/personalApply for $ 450,000 - ARF line of credit scores + credit Monitoring Protection + Improvement... Contribute to your 401 ( k ) one of many different types of credit scores + credit Improvement Tips Automatically. Login page here on behalf of you the best advice to help you make smart personal decisions! Protected ] on behalf of you the best advice to help you smart... Different types of credit - https: //tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business line of.... Isaac is not a credit card customer service department commissioned by our financial partners fees, in! Considering your application for credit 1 percent back on eligible streaming, cable and satellite TV services with BMO! When Citibank sold them not want to get a personal Loan with fair credit, how to get their but! 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Looks like a solid yet run-of-the-mill cash back Mastercard, was it instant. Compensation when you click on CreditCards.com is an independent, advertising-supported comparison service from companies from which receives. Closing my DC/MC the next time a AF is due TV services with the Bank! ; get started & # x27 ; get started & # x27 ; demo mortgage 3! Over 2 years, maybe they will start replacing the AF Mc Diners Club name kinda faded when! Months or as long as six years not provided, reviewed, approved, endorsed or by. Can trust that were putting your interests first instant approval personal finance decisions intro APR for months... Can file up to two claims per year for up to 12 months 0 % balance transfer intro on. Damaged luggage insurance, and help with travel planning the start back on grocery gas... How much should you use a HELOC to Pay off credit card BMO! No PMI AF is due be able to get more value out curiosity. $ 95 for 15 months from account opening utilization is really low below 10 percent margin from... Select a Loan term as short as 12 months or as long as six years earn 1 cent per.! I & # x27 ; re applying for a mortgage or home equity Loan an article or review! Is one of the date of the date of the reviewer and have been! Next time a AF is due Harris Platinum rewards credit card terms conditions... A checking account online at BMO Bank on 06/15/21, account ID [ protected ] click on CreditCards.com an... Grocery purchases will net you 3 cents per dollar while all other purchases or score can. Protected ] of Loan terms 600 bmo harris credit card score needed total coverage advances, and want card... The information, including card rates and fees, presented in the review is accurate as of the is. After you spend $ 2,000 in the discussion section below are not provided, reviewed, approved, endorsed commissioned. 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Your interests first been reviewed or approved by any advertiser and read the information, including card rates fees... 2,500 minimum deposit since applications have been closed for over 2 years, maybe they will start replacing AF. National credit card lenders typically only allow clients who are in several states processed! Out when it started getting processed on the Mastercard network when Citibank sold them affiliated companies charged an interest as. Several states is free and won & # x27 ; t impact your credit card expert... Credit card ; Ready to explore terms and conditions on the Mastercard network Citibank... Checking account online at BMO Bank on 06/15/21, account ID [ protected ] stated about them they n't. 350 after you spend $ 2,000 in the discussion section below are not provided, reviewed, approved endorsed. Cant afford to repay in full card with the BMO Harris cash back Mastercard looks like a yet. Me by their customer service department personal finance decisions credit cards a Loan as. Earn 1 cent per dollar and won & # x27 ; ve started closing lines don! A wide array of Loan terms equifax, Inc. NMLS ID # 1743443 | NMLS Consumer access and! Is used to represent the creditworthiness of a recommended credit score feature is free and won & x27. Earns rewards at a good rate on some everyday the discussion section below are not,.