Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.99% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
BMO Harris Bank Cash Back Mastercard® Review
This is a cashback credit card issued by BMO. If you're wondering whether BMO Harris Bank Cash Back Mastercard® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of up to $200.
- APRs: BMO Harris Bank Cash Back Mastercard® has a variable regular 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 you have a fair credit score or better.
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.
| Description |
Does BMO Harris Bank Cash Back Mastercard® have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 .
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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.99% - 21.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for BMO Harris Bank Cash Back Mastercard® is (888) 340-2265.
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 to the following credit bureaus:
- 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 build your credit.
Does BMO perform a hard credit pull?
Yes, BMO Harris Bank Cash Back Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BMO Harris Bank Cash Back Mastercard®
- Visit the website of BMO Harris Bank Cash Back Mastercard®.
- 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.
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Other Credit Cards from BMO
Rating not yet determined
Purchase APR
11.99% - 18.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 18.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 25.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 24.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 24.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
Up to $79
Rating not yet determined
Purchase APR
13.40%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$300
Rating not yet determined
Purchase APR
13.40%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
BMO Harris Bank Cash Back Mastercard® Community Reviews
Would you recommend BMO Harris Bank Cash Back Mastercard® to your friends?
FO
Fei O.
Apr 2, 2023
May or may not recommend
this card has no way of disputing a transaction. many of the functions are less than other banks. the reception was rude!
Future E.
Jul 2, 2022
May or may not recommend
I've been waiting over 3 weeks to get a replacement card with my same number!
Showing 2 of 2 reviews
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