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  BMO Harris Bank Cash Back Mastercard®

BMO Harris Bank Cash Back Mastercard®

in Personal Credit Cards from BMO Harris Bank

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BMO Harris Bank Cash Back Mastercard®

Unaffiliated

in Personal Credit Cards from BMO Harris Bank

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Highlights
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

BMO Harris Bank Cash Back Mastercard® 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 is everything you need to know to make a good choice.

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 $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 stand a chance of qualifying if your credit score is not below 650.
BMO Harris Bank Cash Back Mastercard® Pros & Cons
The Good The Bad
  • $200 cash back bonus when you spend $2,000 in the first 3 months of account opening.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere BMO Harris Bank Cash Back Mastercard® is accepted.
  • BMO Harris Bank Cash Back Mastercard® reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
BMO Harris Bank Cash Back Mastercard® FAQ

Is there a BMO Harris Bank Cash Back Mastercard® cash back or rewards program?

BMO Harris Bank Cash Back Mastercard® is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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BMO Harris Bank Cash Back Mastercard® 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, BMO Harris Bank Cash Back Mastercard® 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?

BMO Harris Bank Cash Back Mastercard® doesn't offer a cash loyalty bonus.

What are the BMO Harris Bank Cash Back Mastercard® benefits?

BMO Harris Bank Cash Back Mastercard® 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BMO Harris Bank Cash Back Mastercard® has lower than average purchase 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 introductory APR offer on balance transfers?

Yes, BMO Harris Bank Cash Back Mastercard® offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

BMO Harris Bank Cash Back Mastercard® Balance Transfers
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 introductory APR offer on new purchases?

BMO Harris Bank Cash Back Mastercard® does not offer an introductory rate on new purchases.
BMO Harris Bank Cash Back Mastercard® Purchase Intro Offer
Description

What are the fees for BMO Harris Bank Cash Back Mastercard®?

The following fees apply to BMO Harris Bank Cash Back Mastercard®:

BMO Harris Bank Cash Back Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $37
Late Payment Fee up to $37

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 a foreign transaction fee.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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.
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Groceries
  • Gas
Signup Bonus Starting at $200
Cash Advance APR (Variable APR) 24.24%
Balance Computation “Average daily balance (including new transactions).”
Purchase APR (Variable APR) 13.99% - 21.99%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.99% - 21.99%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Mastercard

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