Regular Purchase APR 18.49% - 26.49% based on your creditworthiness. So you may not want to rely on it as your only card. Getting ready to close some comenity cards next. Rest assured that yo 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. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. BMO Private Wealth's multi-disciplinary team of professionals from one of North America's leading, full-service investments . Earn up to $400 when you open a new BMO business checking account using the promo code, achieve a minimum balance of $5,000 (for a $250 bonus) or $10,000 (for a $400 bonus) by day 31, stay at or . Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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. Pros & Cons of BMO Harris Bank Cash Back Mastercard. Compare Home Equity Lines of Credit Reviews. In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. Every reasonable effort has been made to maintain accurate information. I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. But I've started closing lines I don't need store cards. References to IBRETA include any state specific variations, such as Real Estate Trust Accounts R E T A's(RETAs) in Minnesota. 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. With this card, you get BMO's preferred interest rate of 12.99%. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 2022) Credit Score Needed: Good FICO Score (about 670 or above). * See the online application for details about terms and conditions for these offers. How credit scores work. editorial policy, so you can trust that our content is honest and accurate. Read our review to learn more. Earn 1% on all other purchases. Transfer Fee$10 or 3% (whichever is higher), Other Notable Features: No foreign-transaction fee, concierge services, two complimentary airport lounge visits, VIP event access, travel assistance, car rental insurance, hotel burglary insurance, lost/damaged luggage insurance, baggage delay insurance, roadside assistance, purchase protection, extended warranty. All Rights Reserved. BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. 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. A BMO Harris investment account. You can earn a $200 cash back bonus after spending $2,000 within your first three months. If you make a late payment or your payment is returned by your bank, you'll incur a fee of up to $39. 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. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. The BMO Harris Bank Cash Back Mastercard 's rental car insurance only works if you deny the coverage offered by the rental company. 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. 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. 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. Lots of inq and new accounts. 7500 SL. service provider and read the information they can provide. 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. Congrats on your BMO Harris Platinum MC approval! After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. BMO Harris has a wide range of options when it comes to credit cards. Check the data at the top of this page and the bank's website for the most current information. By contrast, the average minimum APR for all credit cards is currently 14.98 percent, according to CreditCards.com data. You must have a checking or savings account or be a customer of the bank to apply for their cards. To maximize rewards earnings, use the card for all travel and restaurant spending. You can receive a 0 percent intro APR for 12 months on balance transfers made within the first 90 days, after which a 20.24 percent to 27.24 percent variable APR applies. Copyright 2023 SuperMoney, LLC. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. Enjoy your journey and remain confident that with your Diners Club Card, you belong. Plus, get a rate of 0.99% on balance transfers for 9 months. 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. You have to be in one of the states they have branches in to get their cards but they are in several states. 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. Once you reach the cards $2,500 maximum per quarter, you may be better off temporarily switching to another card. Credit Card Customer Service Consumer Cards . At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. 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. 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. Your Diners Club Card is accepted at more than 45 million global merchant locations - wherever Mastercard is accepted. 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. Note: Annual percentage yields (APYs) shown are as of . Coverage during trying times Help protect the balance and monthly payments on your BMO credit card, up to a maximum of $20,000 Were sorry, but something went wrong and we couldnt find your approval odds. Your personal information and data are protected with 256-bit encryption. You must also use your card to pay for the entire rental to be covered for: Physical damage or theft of the rental car. The credit score is provided for free by TransUnion. However, we do receive compensation when you click on links to products from our partners. I kinda wish Citibank still owned them. BMO Harris personal loans can range from $1,500 to $35,000. Copyright 2023 CreditCards.com a Red Ventures Company. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. Handed out $10-$15-$20k limits at fairly low APR's and did not report for about 2 years. No balance transfer fee. 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. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. that ranges from To check your credit score, first sign onto online banking. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? Synchrony Bank: 4.50% APY; $0 minimum deposit. See the online credit card applications for details about the terms and conditions of an offer. 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. 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. Unlike traditional secured cards, it has no annual fees and no monthly maintenance fees. Otherwise, its not worth the hefty price. Check the data at the top of this page and the bank's website for the most current information. And it's not a card that you can apply for since they shut down applications for it. Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter 2. There arent that many rewards cards that offer triple points on both hotels and airfare, though, so if you can afford the annual fee, it may be worth keeping this card around for your first $2,500-worth of quarterly trips. All reviews are prepared by CreditCards.com staff. To check the rates and terms you qualify for, one or more soft credit pulls will be done by By providing my email address, I agree to CreditCards.coms All Rights Reserved. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. When the latest version came out maybe 3 1/2 years ago there was a mad rush on here to apply and there were a lot of approvals - its just like any other MasterCard other than they charge an AF and stopped issuing the card after a few months. But they approved me. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Well use this information to to verify your credit profile. Note that an applicant's credit score is one of many factors considered by credit card issuers. 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