BMO Harris Bank Cash Back Mastercard credit card

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

AspectDetails
FeesThe BMO Harris Bank Cash Back Mastercard credit card comes with no monthly or annual fees, making it fee-free.
Interest RateTake advantage of a 0% APR for the first 12 months. Afterward, the interest rate varies between 20.99% and 27.99% APR.
Welcome BonusEnjoy 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.
BMO Harris Bank Cash Back Mastercard credit card summary table features

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:

Chase freedom unlimited
  • Fees: $0
  • Cashback: 1,5%-6,5%
  • Bonus: up to $300
  • Credit Score: 690-850
Wells Fargo Active Cash Card
  • Fees: $0
  • Cashback: 2%
  • Welcome bonus: $200
  • Credit Score: 690-850
Chase Sapphire Preferred Card
  • Fees: $95
  • Cashback: 1x-5x
  • Welcome bonus: 60.000 points
  • Credit Score: 690-850
Capital One SavorOne Cash Rewards Credit Card
  • Fees: $0
  • Cashback: 1%-10%
  • Welcome bonus:$200
  • Credit Score: 690-850
Capital One Venture Rewards Credit Card
  • Fees: $95
  • Cashback: 2x-5x
  • Welcome bonus:75.000 miles
  • Credit Score: 690-850
Discover it Cash Back
  • Fees: $0
  • Cashback: 1%-5%
  • Welcome bonus: up to $300
  • Credit Score: 690-850
Citi Simplicity Card
  • Fees: $0
  • Cashback: 1%-5%
  • Welcome bonus: $200
  • Credit Score: 690-850
BankAmericard credit card
  • Fees: $0
  • Cashback: up to 3%
  • Welcome bonus: $200
  • Credit Score: 690-850
Costco credit card image
  • Fees: $0
  • Cashback: up to 4%
  • Welcome bonus: $0
  • Credit Score: 690-850
Burlington credit card image
  • Fees: $0
  • Cashback: up to 5%
  • Welcome bonus: $0
  • Credit Score: 690-850
Sofi credit card
  • 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:

ProsCons
No annual feesExcellent credit score
Welcome bonus
APR introductory offer
BMO Harris Bank Cash Back Mastercard credit card pros and cons

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:

InformationDescription
Websitehttps://www.bmo.com/en-us
Facebookhttps://www.facebook.com/bmoUSA
Twitterhttps://twitter.com/BMO_US
Instagramhttps://www.instagram.com/bmo_US/
Linkedinhttps://www.linkedin.com/company/bmo-us
Interesting information about BMO

Other BMO products

We’ve also provided a list of all the BMO Harris products we have analyzed:

Related content

Finally you have a related posts about credit cards:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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