bmo harris credit card score needed

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. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. This is lower what than some other lenders offer. Getting ready to close some comenity cards next. I applied for bmo Harris MasterCard and was approved for 5k limit. Which certificate of deposit account is best? 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. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. It also offers real cash back rewards, including: Up to 5% cash back at 1,000+ Neo partners. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . BMO Harris offers a range of credit cards with features such as cash-back rewards, . While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. . If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. Cardholders with the best credit can qualify for an APR as low as 8.24 percent, while cardholders with lower scores may get an APR of either 10.24 percent or 13.24 percent. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. Check the data at the top of this page and the bank's website for the most current information. + Unlimited Credit Scores + Credit Monitoring Protection + Credit Improvement Tips + Automatically Finds Savings. BMO Harris Bank Platinum Mastercard . Fortunately, the cards terms mention that this credit can apply to eligible BMO Harris Bank accounts other than your credit card, including BMO Harris checking, savings and money market accounts. Potentially lower than average purchase APRs. You want a simple card with a predictably low interest rate. 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. The card has a You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. editorial policy, so you can trust that our content is honest and accurate. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 13.99% EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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.'. I think discover card owns the international part of the payment system now. 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. Third party web sites may have privacy and security p Learn about the options that allow you to earn points and rewards in this guide! Credit score required: Poor or bad credit score. 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. For example, the policy on the Wells Fargo Active Cash Card and other Wells Fargo credit cards covers up to two $600 theft and damage cellphone protection claims each year for up to $1,200 in total coverage when you pay your monthly cell phone bill with the card. Offers perhaps the highest, unlimited rewards rate on streaming services, cable and satellite TV year-round for no annual fee, It can be easier to switch to since you can avoid interest for 12 months with its 0 percent intro APR on balance transfers made in the first 90 days (then a 20.24 percent to 27.24 percent variable APR), Youll earn solid 3 percent cash back on two popular everyday expenses after your monthly subscriptions: gas and groceries (on up to $2,500 in combined purchases each quarter, then 1 percent back), Paying your monthly cellphone bill with this card insures your phone for up to $400 if its damaged or stolen (up to $600 per year across two claims, minus a $50 deductible), 5 percent back on streaming, cable, and satellite subscriptions isnt very valuable for the average spender unless you have a hefty cable or satellite TV bill, Several other no-annual-fee cash back cards offer a more rewarding roster of bonus categories, Its cellphone protection and perk list is weaker than similar cards offerings, The $200 welcome offers $2,000 spending requirement is well above the typical three-month spend. 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. The BMO Harris Bank Premium Rewards card also offers a number of appealing travel benefits that can help take the sting out the cards annual fee. Privacy Policy. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. Many lenders . Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. editorial integrity, 7500 SL. Should You Hire a Debt Settlement Company or Do It Yourself? Introductory Offer: 25,000 bonus points when you spend $2,000 in the first 3 months of account opening. 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. It is not our partners responsibility to ensure all posts or questions are answered. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . Canadian Bank that's USA HQ'd in Chicago area - that's the bank that issued the Diner's Club MasterCards we'all got 3 years ago until we shut them down by the number of apps. Also on their mastercard it is cash rewards and offers 2% cash back on gas stations and grocery. Personal Loan Vs. Line Of Credit: Which Is Better? 13.99% The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees. Take advantage of the cards flexible redemption policy by shopping around for travel discounts. 4.6. CreditCards.com is an independent, advertising-supported comparison service. 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. How to Find a Money Transfer Service Near Me? They are not inquiry sensitive. BMO Harris Bank reviews, contact info, products & FAQ. Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. Which Account Fits You Best? I had a card with them when they were the original diners club and another one when they were owned by citibank. Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. Our experts have been helping you master your money for over four decades. To check your credit score, first sign onto online banking. Congrats on your BMO Harris Platinum MC approval! Finder Rating: 3.4 / 5: . Check the banks website for the most current information. $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. spend of $2,500). Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Your credit cards journey is officially underway. Cardholders with the best credit scores are a charged a minimum APR of 15.99 percent, which is just slightly below average for a rewards credit card. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Click on the "My Profile & eDocuments" tab. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. $25. 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. 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. Check out our step-by-step demo or find what you need in our FAQs. I applied for bmo Harris MasterCard and was approved for 5k limit. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Increase non-taxable income or benefits included by 25%. However, its intro APR offer may be lackluster if you need a break from interest. 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. All Rights Reserved. You have money questions. Yup, I had a Diners Club back before Citi and I did a ot of traveling widely accepted in Europe along with AmEx. 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 3.5/5. to maintain accurate information. But they approved me. However, credit score alone does not guarantee or imply approval for any sponsored products and services, or your clicking on links posted on this website. A Red Ventures company. While the BMO Harris Cash Back card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services, other cards with more versatile cash back categories may be more lucrative overall. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. represent all financial services companies or products. When you click on and have not been reviewed, approved or otherwise endorsed by any financial institution. 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. Why get the BMO Harris Bank Premium Rewards Mastercard? In addition, the BMO Harris Bank Mastercard offers some standard credit card perks, such as car rental insurance, travel assistance and an extended warranty on purchases. This wont impact your credit score. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product. Reverse Mortgages: When Do They Make Sense? 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. Every reasonable effort has been made to maintain accurate information. Does Refinancing Your Car Loan Hurt Your Credit Score? 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. When you click on Out of curiosity, was it an instant approval? We value your trust. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. What Are the Differences Between Federal and Private Student Loans? The Good. The credit score is provided for free by TransUnion. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. cash advance APR So if you travel more than a handful of times a year, you may be better off with a different card. We maintain a firewall between our advertisers and our editorial team. The Bad. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. It also offers one point for every dollar you spend on anything else. All rights reserved. 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. $0 annual fee and no foreign transaction fees. 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. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 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. 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. It also charges a hefty $79 annual fee after the cards first year. person and may be one indicator to the credit type you are eligible for. Click APPLY NOW to apply online or call 866-553-0847. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. BMO Harris Bank Cash Back Mastercard . Generous as other card promotions, most of which offer a zero percent rate! Widely accepted in Europe along with AmEx policy, so you can trust that putting... Offer isnt nearly as generous as other card promotions, most of which a... Reviewed or approved by any financial institution for credit content to help you make the right card for you read... Discover card owns the international part of the reviewer and have not been reviewed or approved by any advertiser low. 'S and did not report for about 2 years across three months still! 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