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BMO Harris Bank Cash Back Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
21.24% ‐ 28.24% (Variable)
Interest Rate: Purchases
21.24% ‐ 28.24% (Variable)
Balance Transfer
21.24% ‐ 28.24% (Variable) (0% for the first 12 months)
Balance Transfer
21.24% ‐ 28.24% (Variable) (0% for the first 12 months)
Rewards
1 - 3% cashback
Rewards
1 - 3% cashback
Signup Bonus
$200 after spending $2,000
Signup Bonus
$200 after spending $2,000


8/10
Informr score
The BMO Harris Bank Cash Back Mastercard® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BMO Harris Bank Cash Back Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


GOBankingRates
GOBankingRates

The BMO Harris Bank Cash Back Mastercard is a good way to get 5% off on some of your monthly recurring bills. It’s also a good way to pay off some higher interest balances you may be carrying on other cards.

- Karen Doyle, GOBankingRates
Money Crashers
Money Crashers

A straightforward cash back credit card that’s useful for people who spend moderately on gas and groceries, and those looking to juice their earnings shortly after opening their accounts with a solid, easily attainable sign-up bonus.

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 21.24% ‐ 28.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 21.24% ‐ 28.24% (Variable) (0% for the first 12 months)
  • Intro rate applies on balances transferred within the first 90 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 32.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Minimum of $10

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $200 after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants No
Gas 3% cash back

Up to $2,500 in combined purchases per quarter.

Groceries 3% cash back

Up to $2,500 in combined purchases per quarter.

Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on streaming, cable TV, and satellite services

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits

Roadside Assistance

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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