BMO Harris Bank Cash Back Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 24.24% (0% for the first 6 months)
Balance Transfer
16.24% ‐ 24.24% (0% for the first 12 months)
Rewards
1 - 2% cashback
Signup Bonus
$200 after spending $2,000


7.2/10
Informr score
The BMO Harris Bank Cash Back Mastercard currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 1 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...


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 16.24% ‐ 24.24% (0% for the first 6 months)

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

Balance Transfer Interest Rate 16.24% ‐ 24.24% (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 26.49%

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

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 2% cash back

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

Groceries 2% cash back

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

Hotels No
Travel No
Pharmacy No
Bills No
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, Android Pay
Additional Benefits

Roadside Assistance

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
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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Critic Reviews


Money Crashers

This isn’t a terrible cash back card

from 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.

Read full review

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.

Read full review

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User Reviews


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