Are you interested in exploring a detailed review of the BMO Harris Bank Cash Back Mastercard credit card? Here at Responsible Economy, we’ve taken a deep dive into its features, covering aspects like fees, interest rates, eligibility criteria, and all the crucial information you need to know. Furthermore, we’ve put together a comparison of the top credit cards currently available in the United States for 2023. let’s get started!
Features
In this section, you’ll find all the specifics about the BMO Harris Bank Cash Back Mastercard:
Fees
Monthly or annual fees are one of the key factors to consider in credit cards. The BMO Harris Bank Cash Back Mastercard credit card comes with no fees, making it a fee-free option.
Interest rate
For the first 12 months, you can take advantage of an introductory offer with a 0% APR (Annual Percentage Rate). After the fifteenth month, the interest rate will vary between 20.99% and 27.99% APR.
Bonus
The BMO Harris Bank Cash Back Mastercard credit card offers a welcome bonus of $200 when you spend $2,000 in the first 3 months.
Cash Back
Here are all the cash back benefits:
- Get 5% cash back on eligible streaming, cable TV, and satellite services.
- Get 3% cash back on eligible gas and grocery purchases. Up to $2,500 in gas and grocery purchases each calendar quarter and 1x cash back on all purchases after that
- Get 1% cash back on all other eligible purchases.
- Plus, receive $400 cell phone protection coverage when you charge your monthly wireless telephone bill to your card.
Summary table
Here is a summary table with all features of the BMO Harris Bank Cash Back Mastercard credit card
| Aspect | Details |
|---|---|
| Fees | The BMO Harris Bank Cash Back Mastercard credit card comes with no monthly or annual fees, making it fee-free. |
| Interest Rate | Take advantage of a 0% APR for the first 12 months. Afterward, the interest rate varies between 20.99% and 27.99% APR. |
| Welcome Bonus | Enjoy a $200 welcome bonus when you spend $2,000 in the first 3 months. |
| Cash Back Benefits | – Get 5% cash back on eligible streaming, cable TV, and satellite services. |
| – Get 3% cash back on eligible gas and grocery purchases. Up to $2,500 in gas and grocery purchases each calendar quarter and 1x cash back on all purchases after that. | |
| – Get 1% cash back on all other eligible purchases. | |
| – Plus, receive $400 cell phone protection coverage when you charge your monthly wireless telephone bill to your card. |
Comparison with the best credit cards 2023
We’ve conducted a thorough comparison between the BMO Harris Bank Cash Back Mastercard credit card and other top credit cards available in the United States for 2023:
- Fees: $0
- Cashback: 1,5%-6,5%
- Bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 2%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $95
- Cashback: 1x-5x
- Welcome bonus: 60.000 points
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-10%
- Welcome bonus:$200
- Credit Score: 690-850
- Fees: $95
- Cashback: 2x-5x
- Welcome bonus:75.000 miles
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: up to $300
- Credit Score: 690-850
- Fees: $0
- Cashback: 1%-5%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 3%
- Welcome bonus: $200
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 4%
- Welcome bonus: $0
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 5%
- Welcome bonus: $0
- Credit Score: 690-850
- Fees: $0
- Cashback: up to 3%
- Welcome bonus: $0
- Credit Score: 690-850
Pros and cons
After reviewing all the features and comparing the BMO Harris Bank Cash Back Mastercard credit card with other options, we have compiled a table highlighting its advantages and disadvantages:
| Pros | Cons |
|---|---|
| No annual fees | Excellent credit score |
| Welcome bonus | |
| APR introductory offer |
Requiremts
To be eligible for the BMO Harris Bank Cash Back Mastercard credit card, you must meet the following requirements:
- Excellent credit score
- Must be over 18 years old
- Have a Social Security
- Live in the United States
- Have an American phone
Frequent questions
We have addressed common questions you may have about the BMO Harris Bank Cash Back Mastercard credit card:
Conclusions and opinions
Based on our thorough review, we can confidently say that the BMO Harris Bank Cash Back Mastercard credit card is one of the top credit cards in the United States. It stands out for its introductory offer of 0% APR, a generous $200 welcome bonus, and a competitive 5% cash back. However, it’s important to note that this card requires an excellent credit score to qualify.
Interesting information about BMO
We have created a table with relevant information about BMO:
| Information | Description |
|---|---|
| Website | https://www.bmo.com/en-us |
| https://www.facebook.com/bmoUSA | |
| https://twitter.com/BMO_US | |
| https://www.instagram.com/bmo_US/ | |
| https://www.linkedin.com/company/bmo-us |
Other BMO products
We’ve also provided a list of all the BMO Harris products we have analyzed:
- BMO Harris checking accounts.
- BMO bonus checking account.
- BMO certificate of deposit.
- BMO Harris savings accounts.
- BMO Harris credit cards.
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Updated the day 1 September, 2023 by Alfredo Barandiarán
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