Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. 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. A 3 percent cash back rate on groceries and gas is impressive, as only a few no-annual-fee cards offer a rate this high in both of these popular categories. The most attractive perk offered by the BMO Harris card, though, is its flexible redemption policy, which is one of the most generous policies you can get. 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. 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. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. variable All products or services are presented without warranty. By purchasing cheaper tickets, you can squeeze more value out of rewards. Bankrate.com is an independent, advertising-supported publisher and comparison service. 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. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. You can earn a $200 cash back bonus after spending $2,000 within your first three months. With a home equity loan from BMO, you'll choose a term from five years to 20 years, with loan . 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 BMO Harris Cash Back Mastercard carries one of the most generous cash back rates on streaming, cable and satellite TV services available on a no-annual-fee card. Reverse Mortgages: When Do They Make Sense? SuperMoney.com is an independent, advertising-supported service. $25 per month. You won't earn interest. FTC's website on credit. From what i've seen stated about them they don't like derogatories, bankruptcy or high utilization. All Rights Reserved. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. However, we do receive compensation when you click on links to products from our partners. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. Evelyn Boros, Credit Cards Moderator. @evelyn_boros 07/16/21. The information, including card rates and fees, presented in the review is accurate as of the date of the review. We've updated the design for a cleaner look that's even more convenient to use! 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. Check out Mastercards Priceless Cities program before you plan your next vacation. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. 13.99% The BMO Harris card also offers a pretty good sign-up bonus that can help temporarily shave down the cards expense. 850 300 700. All reviews are prepared by CreditCards.com staff. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. Even though a physical card isn't used to access Mobile Cash, the service use is subject to daily transaction limits for your card. The support contact email for BMO Harris Bank Cash Back Mastercard is servicemembers@bmo.com. BMO Harris personal loans can range from $1,500 to $35,000. See the online credit card applications for details about the terms and conditions of an offer. Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. 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. Min. 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. Call 1-888-340-2265; Let Us Contact You; Find a Branch; Lending . Keep an eye on your inboxwell be sending over your first message soon. You may not want to use this card for purchases you cant immediately pay off, since the APR is also relatively steep. 2023 Bankrate, LLC. 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. Learn more about our advertising policy. Increase non-taxable income or benefits included by 25%. variable 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. financial product. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. trolls costume Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. Points dont expire on the BMO Harris Bank card either, so you can wait awhile before redeeming them. 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. What KInd Of Credit Do You Need For An Auto Loan? To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . *. 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. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. The Blue Cash Preferred card even provides a 12-month 0 percent intro APR on both purchases and balance transfers (then a 16.99 percent to 27.99 percent variable APR). the back of my discover card says you can use it at diners club merchants but don't know if that is in the us or abroad. To check your credit score, first sign onto online banking. I'm going to use them for my secondary checking account. While streaming, cable and satellite TV services earn the highest rewards rate, the cards grocery and gas categories will likely be more lucrative. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. BMO Harris has 14 customer reviews on Trustpilot, where it has a . 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. Many cash back cards only let you redeem cash back as a credit on credit card statement, so being able to direct deposit rewards to other accounts is a welcome option. Check the data at the top of this page and the bank's website for the most current information. The BMO Harris Bank Mastercard is also more forgiving of occasional missed payments, making it a good choice for cardholders who sometimes forget to pay their bill. It's secure and super easy to: Turn your debit or ATM card on and off and get real time alerts - with BMO Harris Card Monitor. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . 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. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. Compare Cards. Get the full story from fellow consumers' unbiased BMO Harris Bank reviews. 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. Credit Card Customer Service Consumer Cards . You want a simple card with a predictably low interest rate. You have to be in one of the states they have branches in to get their cards but they are in several states. BMO lets you check your credit score easily and for free with access to CreditView. Check the banks website for the most current information. But I've started closing lines I don't need store cards. Receive 1 point per $1 spent on all other purchases 2. by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale. 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. 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