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BMO Harris Bank Cash Back Mastercard® review

7.2/10 AVG.
RATING
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  • BMO Harris Bank Cash Back Mastercard®

Specs / Features


Interest Rates
Regular APR Interest Rate 13.99% ‐ 21.99% (Variable)

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

Balance Transfer Interest Rate 13.99% ‐ 21.99% (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 24.24% (Variable)

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, 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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