It charges no annual fee, earns rewards at a good rate on some everyday . for a period of up to 12 months. SCORE. 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. Bankrate follows a strict Increase non-taxable income or benefits included by 25%. 1. I applied for bmo Harris MasterCard and was approved for 5k limit. The Neo Secured Mastercard is the best secured credit card in Canada in 2023. 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. 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. How much should you contribute to your 401(k)? What Are the Differences Between Federal and Private Student Loans? 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. 20.99%for Purchases8. 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. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. 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. Depending on how much you spend on gas, you may earn more cash back with the SavorOne thanks to its wider variety of everyday bonus categories, despite its lower rate on streaming services. You can access the BMO Harris Bank Cash Back Mastercard login page here. Finder Rating: 3.4 / 5: . Put $0 if you currently don't have a rent or mortgage payment. Was not an instant approval. No PG. . The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. 3.5/5. 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. Well use this information to to verify your credit profile. You can . All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. Your credit cards journey is officially underway. Yes, it offers an intro APR rate on balance transfers of 0% However, its intro APR offer may be lackluster if you need a break from interest. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) 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. However, if you choose a product and continue your application at 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. Congrats on your BMO Harris Platinum MC approval! 15.24%. Check the data at the top of this page and the bank's website for the most current information. I have made significant deposits on 6/15/21 . I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. Privacy Policy. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. It's no longer processed on it's own network like American Express. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. 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. More details on software and accessibility are available at WebAIM.org. 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). BMO Harris has a wide range of options when it comes to credit cards. Dont worry, we wont spam your inbox. FTC's website on credit. may affect your credit. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. cashback credit card If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. Were sorry, but something went wrong and we couldnt find your approval odds. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Bankrate.com is an independent, advertising-supported comparison service. Which Account Fits You Best? 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. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. affiliation, or sponsorship, of or by SuperMoney or them of us. 1-855-825-9237 1-262-780-8658 (outside U.S.) 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). Compare real offers from multiple lenders. To maximize rewards earnings, use the card for all travel and restaurant spending. Whats more, youll receive unlimited 3 percent cash back on transit as well. Well use this information to to verify your credit profile. This is a cashback 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. 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. Similarly, your gas and grocery purchases will net you 3 cents per dollar while all other purchases earn 1 cent per dollar. However, depending on your credit score, you may not qualify for as low of a rate with another card. . Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. However, the information is based on our unbiased opinion, and the provider did not have any input into the review. BMO Harris Bank reviews and complaints. Further information is available in our FICO Data Privacy Policy. I found out about them by reading posts online. 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. All reviews are prepared by CreditCards.com staff. The Diners Club MC approvels were nationwide, and yes they shut those apps down a few years ago, but they didn't close any of those account for being out of area - just saying. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. 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. 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. JOIN FOR FREE. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. To check your credit score, first sign onto online banking. Check the banks website for the most current information. I had a card with them when they were the original diners club and another one when they were owned by citibank. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. BMO Harris Platinum Rewards Credit Card; BMO Harris Platinum Credit Card; Credit Cards. Click APPLY NOW to apply online or call 866-553-0847. strongly not recommended Getting a Business Loan When You Have Bad Credit. The card 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. Why get the BMO Harris Bank Premium Rewards Mastercard? 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. Unlike most travel cards that require cardholders to go through the bank to redeem points for travel, the BMO Harris Bank Premium Rewards card lets you shop around and book travel yourself. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. And while youd likely earn more rewards from a typical cable or satellite package, Zippia found that only about half of Americans now watch cable or satellite TV and this number is plummeting as more people cut the cord each year. $0 annual fee and no foreign transaction fees. $25 per month. Why Should You Get a Business Credit Card? To make the most of this card, you need to travel relatively frequently. 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