BMO Harris Bank Cash Back Mastercard®
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 13.99% - 21.99% |
| Balance Transfer APR (Variable APR) | 13.99% - 21.99% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
BMO Harris Bank Cash Back Mastercard® Review
This is a cashback card issued by BMO Harris Bank. If you're wondering whether BMO Harris Bank Cash Back Mastercard® is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of up to $200 if you spend $2000 within 3 months.
- Competitive APRs. BMO Harris Bank Cash Back Mastercard® has a variable purchase APR that ranges from 13.99% up to 21.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of BMO Harris Bank Cash Back Mastercard®
| The Good | The Bad |
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BMO Harris Bank Cash Back Mastercard® FAQ
Does BMO Harris Bank Cash Back Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | Starting at $200 |
| Signup Bonus Spend Requirement | $2000 |
| Signup Bonus Spend Period (months) | 3 months |
Does BMO Harris Bank Cash Back Mastercard® have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 after spending $2000.
Does BMO Harris Bank Cash Back Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the BMO Harris Bank Cash Back Mastercard® benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for BMO Harris Bank Cash Back Mastercard®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.BMO Harris Bank Cash Back Mastercard® has a variable purchase APR that ranges from 13.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 21.99%. It also has a variable cash advance APR of 24.24% .
Does BMO Harris Bank Cash Back Mastercard® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 13.99% - 21.99% |
| Balance Transfer Fee Minimum | $10 |
Does BMO Harris Bank Cash Back Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for BMO Harris Bank Cash Back Mastercard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $37 |
| Late Payment Fee | up to $37 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does BMO Harris Bank Cash Back Mastercard® have a foreign transaction fee?
BMO Harris Bank Cash Back Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for BMO Harris Bank Cash Back Mastercard®?
The BMO Harris Bank Cash Back Mastercard® customer service number is (888) 340-2265.
What is the support contact email for BMO Harris Bank Cash Back Mastercard®?
The support contact email for BMO Harris Bank Cash Back Mastercard® is servicemembers@bmo.com.
What is the BMO Harris Bank Cash Back Mastercard® login page?
You can access the BMO Harris Bank Cash Back Mastercard® login page here.
How do people rate the customer service and user experience of BMO Harris Bank Cash Back Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BMO Harris Bank Cash Back Mastercard® report your account activity to credit bureaus?
Yes, BMO Harris Bank Cash Back Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for BMO Harris Bank Cash Back Mastercard®
- Visit the BMO Harris Bank Cash Back Mastercard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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.
Contact
- Headquarters
-
320 S Canal St
Chicago, IL 60606 USA - (888) 340-2265
- Visit Site
- Email Support
Other Services by BMO Harris Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $37 |
| Late Fee Amount | Up to $37 |
BMO Harris Bank Cash Back Mastercard® Community Reviews
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