BMO Harris Bank Cash Back Mastercard®
in Personal Credit Cards from BMO Harris Bank
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| 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 credit 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. This review will provide you with with all the details you need to make a good choice.
- 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 $200 if you spend $2000 within 3 months.
- Competitive APRs. BMO Harris Bank Cash Back Mastercard® has a variable purchase APR that ranges from 13.99% up to 21.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
| The Good | The Bad |
|---|---|
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Does BMO Harris Bank Cash Back Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $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. It has lower than average regular APRs.It 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.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
-
111 West Monroe Street
Chicago, IL 60603 - Visit Site
Other Services by BMO Harris Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | 2% cash back per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; 1% cash back on all other purchases. |
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