up to 21.99%. Barclays - 4.50% APY, $0 minimum deposit. cashback credit card Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. This editorial content is not provided by any financial institution. 2022) Credit Score Needed: Good FICO Score (about 670 or above). I have made significant deposits on 6/15/21 . FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. FTC's website on credit. You occasionally use fee-based services, such as cash advances, and want a card with lower fees. By providing my email address, I agree to CreditCards.coms How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. Many factors affect your FICO Scores and the interest rates you may receive. Earn up to 100,000 intro bonus points - get 50,000 points when you spend $5,000 within 3 months of account opening, and get another 50,000 bonus points when you spend $50,000 within 12 months of account opening. Evelyn Boros, Credit Cards Moderator. No PG. I opened a checking account online at BMO Bank on 06/15/21, account ID [protected]. If youre a semi-frequent traveler, the BMO Harris Bank Premium Rewards card offers some appealing benefits. Potentially lower than average purchase APRs. A $2,000 spend across three months should still be within reach for many cardholders, but it isnt the most accessible spending requirement. The Good. And while youd likely earn more rewards from a typical cable or satellite package, Zippia found that only about half of Americans now watch cable or satellite TV and this number is plummeting as more people cut the cord each year. $25. By paying your monthly cellphone bill with your card, you can get reimbursed up to $400 if your phone is damaged or stolen (subject to a $50 deductible). The offers that appear on this site are from companies from which Bankrate.com receives compensation. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Designed for frequent travelers, the BMO Harris Bank Premium Rewards Mastercard offers a generous spending bonus on restaurant, hotel and airfare purchases and limited airport lounge access; however, cardholders need to spend relatively heavily to make up for the cards $79 annual fee. Unlike many competitors, the BMO Harris Bank Mastercard also doesnt charge a returned-payment fee. Youll earn unlimited 5 percent cash back on eligible streaming, cable and satellite TV services with the BMO Harris Cash Back card. Well use the last four digits of your Social Security number to get your approval odds. The SavorOne card also gives you more ways to redeem cash back, including automatic redemptions and direct deposits to eligible checking or savings accounts. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Need some help signing in? You'll earn 2% cash back for every $1 spent on gas and grocery purchases, up to $2,500 each calendar quarter. 22.99%for Cash Advances8. Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. While we adhere to strict Although the BMO Harris Cash Back Mastercard may be the best option for home entertainment fans, several other cards may earn more cash back overall. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. These include two complimentary airport lounge visits, lost or damaged luggage insurance, and help with travel planning. Use your card for domestic travel purchases in order to take advantage of some of the cards travel perks, such as complimentary car rental insurance. Search FAQs . See the online credit card applications for details about the terms and conditions of an offer. The BMO Rewards Business Mastercard has a lower purchase interest rate of 14.99%, and the BMO Preferred Rate Mastercard has 12.99% interest for everything. Advertiser disclosure . BMO Harris Bank Cash Back Mastercard reports to multiple credit bureaus. There is no annual fee to worry about and the cards ongoing APR range is reasonable. Check the data at the top of this page and the banks website for the most current information. This product is * See the online application for details about terms and conditions for these offers. While a year of 0 percent interest could be a big help if you need to pay off debt, its not the longest intro APR offer out there (some cash back cards come with intro APR periods of 15 or even 18 months). Earn 1% on all other purchases. You want a simple card with a predictably low interest rate. To check the rates and terms you qualify for, one or more soft credit pulls will be done by You must have a checking or savings account or be a customer of the bank to apply for their cards. Should You Hire a Debt Settlement Company or Do It Yourself? $0.00Annual Fee8. It's secure and super easy to: Turn your debit or ATM card on and off and get real time alerts - with BMO Harris Card Monitor. $293. Yes, BMO Harris Bank Cash Back Mastercard reports your account activity to the following credit reporting agencies: Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Several no-annual-fee rewards cards feature bonus categories that overlap with those of the BMO Harris Cash Back card, so your best pairing option may be a flat-rate cash back card like the Wells Fargo Active Cash or the Chase Freedom Unlimited. The business line of credit will be renewed annuallyprovided you . The BMO Harris Bank Platinum Rewards credit card offers bonus rewards on gas and groceries, though there is a cap. While thats better than the 5 percent fee some cards charge, several competing balance transfer cards only charge a 3 percent balance transfer fee. $25. Be prepared to answer a few questions: Is your credit in good . Congrats on your BMO Harris Platinum MC approval! However, depending on your credit score, you may not qualify for as low of a rate with another card. that ranges from FR . So if you travel more than a handful of times a year, you may be better off with a different card. cash advance APR If you apply for a credit card, the lender may use a different credit score when considering your application for credit. If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Along with small personal loans, BMO Harris offers a wide array of loan terms. They bought out Harris bank they are based in Illinois. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. BMO Harris has a wide range of options when it comes to credit cards. Third party web sites may have privacy and security p (Green Card) Recent Pay Stubs; Credit Score Range 700 - 850. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Further information is available in our FICO Data Privacy Policy. Learn more. Find Your Best Match for Student Loan Refinancing. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. editorial policy, so you can trust that our content is honest and accurate. If you're wondering whether BMO Harris Bank Cash Back Mastercard is the right card for you, read on. 7500 SL, They Pulled TransUnion (749) which gave me Inquiry #27 and Many new accounts in the past 12months, approval could have been instant but its hard to tell because the app is manually reviewed automatically and when i applied over the phone i was told its take 5 to 7 Buisness days for a response and me being me today i decided to send a secure message to check the status of my app and instead of me getting a answer my account pop up..(I'll take it). Learn more about our advertising policy. Although $200 back is typical for a no-annual-fee cash back card welcome offer, most competing cards only require a $500 to $1,000 spend within three months to qualify for a sign-up bonus of this caliber. Which Account Fits You Best? However, its intro APR offer may be lackluster if you need a break from interest. But cardholders with lower scores can be charged an interest rate as high as 23.99 percent. Getting a Mortgage With a Smaller Down Payment and No PMI. To qualify, applicants may need to provide the following documentation: Recent pay stubs; Driver's license; . variable Earn unlimited 1.5% cash back on every purchase, every day. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Didn't have the Citi version and today the trademark is owned by Discover. This simple and affordable bank credit card offers one of the most competitive interest rates available, as well as some of the lowest fees. https://www.bmoharris.com/main/personalApply for $450,000 - ARF line of Credit - https://tinyurl.com/ARF-FINANCIAL-CREDITPLUGApply for Business Line of Cred. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases, Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. With this card, you get BMO's preferred interest rate of 12.99%. Out of curiosity, was it an instant approval? Lots of inq and new accounts. BMO HARRIS BANK APPROVAL. @evelyn_boros 07/16/21. Since this is a cash back card, you wont have to worry about calculating point values or weighing the value of different redemption options. See if you qualify for student loan refinancing and compare real time offers. Welcome offer: Get 800 AIR MILES Bonus Miles (that's enough for $80 towards purchases with AIR MILES Cash). Sallie Mae Bank: 4.55% APY; $2,500 minimum deposit. Synchrony Bank: 4.50% APY; $0 minimum deposit. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? But Citi sold them off. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. CreditCards.com is an independent, advertising-supported comparison service. Youll pay a 4 percent fee ($10 minimum) on all transferred balances. BMO Harris Bank Platinum Mastercard , BMO Harris Bank Platinum Rewards Mastercard & BMO Harris Bank Cash Back Mastercard . And while the BMO Harris Bank Cash Back card doesnt let you redeem cash back for gift cards or online shopping, these redemption options typically offer lackluster value anyway. Every reasonable effort has been made to maintain accurate information. All account balances . Use this card for any purchases you cant afford to repay in full. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. $25 per month. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. The card has a This cards list of eligible streaming services, cable and satellite TV services includes but is not limited to: Youll have the best approval odds if you apply for the BMO Harris Cash Back Mastercard with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher). Should you accept an early retirement offer? I applied for bmo Harris MasterCard and was approved for 5k limit. Learn more. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Reasonable efforts are made The bank has earned a rating of 1.07 out of 5 stars with 89 customer reviews on the BBB. they are a canadian bank like TD Bank. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. issued by BMO Harris Bank. By providing my email address, I agree to CreditCards.coms I think the Diners Club name kinda faded out when it started getting processed on the mastercard network when Citibank sold them. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). The offers that appear on this site are from companies from which CreditCards.com receives compensation. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. Bankrate.com is an independent, advertising-supported publisher and comparison service. The monthly fee can be waived by meeting any of these requirements: $10,000 minimum daily balance. On the downside, BMO Harris caps quarterly bonus spending to $2,500 per quarter roughly $833 a month. Copyright 2023 SuperMoney, LLC. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. The BMO Harris Cash Back card doesnt carry high rates or fees. Your rewards wont expire for the life of your account, and youll even be able to redeem them for up to 90 days after your account has been closed for any reason. Increase non-taxable income or benefits included by 25%. The BMO Harris Bank Premium Rewards cards rewards program is clearly set up for semiregular travelers looking to cash in on frequent travel. Why get the BMO Harris Bank Premium Rewards Mastercard? In addition to standard card perks, such as car rental and travel accident insurance, the BMO Harris bank card offers premium travel benefits. Recommendation score measures the loyalty between a provider and a consumer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Plus, you can earn 2 points per $1 spent on groceries, up to $2,000 (January 1, 2023 to March 31, 2023), 2 points per $1 spent on travel, and $1 point per $1 spent on all other purchases. Getting ready to close some comenity cards next. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. It also offers one point for every dollar you spend on anything else. Also, do you mind stating how many inquiries you have and approximately how many new accounts, within the last 6 months to a year. To contact BofA's live customer service representatives 24/7, call either (800) 732-9194 or the phone . Intro BT APR 0% intro APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. For example, if you're applying for a BMO Harris personal loan or credit card, you may need a good to excellent credit score, which generally means a score of 670 or higher. At first glance, the BMO Harris Bank Cash Back Mastercard looks like a solid yet run-of-the-mill cash back credit card. The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. By purchasing cheaper tickets, you can squeeze more value out of rewards. Home equity line of credit (HELOC) calculator. Your personal information and data are protected with 256-bit encryption. Plus, get a rate of 0.99% on balance transfers for 9 months. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Fortunately, the cards terms mention that this credit can apply to eligible BMO Harris Bank accounts other than your credit card, including BMO Harris checking, savings and money market accounts. Well I Joined BMO 3days ago opened a checking and the next day i decided to apply for a card even tho im interested in the PLOCs But i know the underwritting is different so i choose to Build a relationship first by going for their Platinum Mastercard. You can request a free credit report from . The whole process takes 3-6 months just to secure a line of credit. Otherwise, its not worth the hefty price. Then, 17.24% - 25.24% APR based on your creditworthiness. Do Private Student Loans Have a Statute of Limitations? $200 cash back bonus when you spend $2,000 in the first 3 months of account opening. What Are Different Types of Credit Cards? BMO Harris Bank Cash Back Mastercard . Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Here are some steps you can take to help improve your credit score: Request a free copy of your credit report. What Are the Differences Between Federal and Private Student Loans? Filter & compare all your options in one place. However, we do receive compensation when you click on links to products from our partners. The owner of this website may be compensated in exchange for featured placement of certain BMO Harris Premier Services customers might get an additional 0.25 percent rate discount on HELOCs. It's important to check your credit report occasionally to make sure all the information is correct, and to identify any issues that could have a negative effect on your credit rating. Increase non-taxable income or benefits included by 25%. You won't earn interest. Should You Use a HELOC to Pay Off Credit Card Debt? Regular Purchase APR 17.24% - 25.24% based on your creditworthiness. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Your email address unlocks your approval odds. 5 things to know about a BMO Harris Smart Advantage checking account. It also stands out from other travel cards by allowing you to book rewards-funded travel yourself potentially saving you hundreds of dollars in cheaper travel if you shop around for the best deals. person and may be one indicator to the credit type you are eligible for. 1. Home Equity Loan vs. Line of Credit: Which Should You Choose? Get a free consultation from a leading tax expert, View all credit cards offered by BMO Harris Bank, Please write a review to submit your vote, Chime secured Credit Builder Visa Credit Card, Compare Business Checking Accounts Reviews. A FICO score/credit score is used to represent the creditworthiness of a When you click on FTC's website on credit. 35,000 points when you spend $5,000 in first three months, Average Yearly Rewards Value ($1,325 monthly spend) I'm hoping that Diners Club goes away with the AF and they reissue just a standard MC because the credit limit is good and the APR 13% +/-.. Oh and the BHO Diners website is kind of funky. . Privacy Policy. With BMO Credit Card Balance Protection Enhanced Insurance 1 you can expect: An easy application There's no medical exam or health questionnaire needed. Well I Joined BMO 3days ago opened a checking and the next day i decided to apply for a card even tho im interested in the PLOCs But i know the underwritting is different so i choose to Build a relationship first by going for their Platinum Mastercard, No Apr on Purchases for 6months and 15 months 0apr on BT. It also charges a hefty $79 annual fee after the cards first year. However, it can still save you a significant amount if you plan to use the card from the start. Compare real offers from multiple lenders. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. BMO Harris personal loans can range from $1,500 to $35,000. You can access the BMO Harris Bank Cash Back Mastercard login page here. How credit scores work. However, if you choose a product and continue your application at a Pros & Cons of BMO Harris Bank Cash Back Mastercard. Special Offer. Unlike most other cards that offer rewards on streaming, the BMO Harris Cash Back card also earns bonus rewards on traditional cable and satellite TV services. However all credit card information is presented without warranty. 'Get started' demo . What credit score is needed for the BMO Harris Cash Back Mastercard? Check the banks website for the most current information. How do I redeem my BMO cash back rewards? Cardholders are charged a $35 late fee, but they arent given a hefty penalty rate. All rights reserved. Check the information is accurate and submit your application. This APR will vary with the market based on the Prime Rate.*. If your credit score is 700 or higher, you're typically considered to be a good candidate for a loan. Bankrate.com does not include the entire universe of available financial or credit offers. Copyright 2023 CreditCards.com a Red Ventures Company. The Diners Club MC approvels were nationwide, and yes they shut those apps down a few years ago, but they didn't close any of those account for being out of area - just saying. Plus, your rewards arent limited to a specific list of streaming, cable and satellite TV subscriptions. Offers auto rental collision damage waiver. Minimum Deposit Amount. Well use this information to to verify your credit profile. CreditCards.com is an independent, advertising-supported comparison service. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. You will pay a 4% fee a minimum of $10 for each balance transfer, and a 5% fee a minimum of $10 for a cash advance. The Blue Cash Preferred Card from American Express offers superior cash back on all of the BMO Harris Cash Back cards bonus categories: unlimited 6 percent cash back on select U.S. streaming services, 6 percent back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and unlimited 3 percent back at U.S. gas stations. Pros & Cons. The HSBC Premier World Credit Card offers 35,000 points after spending $3,000 in the first 3 months. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I had to open a checking account with them. By contrast, many competitors charge a minimum of 3 percent for foreign transactions and 4 percent or more for cash advances and balance transfers. BMO Harris Bank has a small collection of credit cards. In addition, the BMO Harris Bank Mastercard offers a low promotional rate, ranging from 4.99 percent to 9.99 percent for the card's first six months. It charges no annual fee, earns rewards at a good rate on some everyday purchases and comes with a short intro APR offer. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. How much should you contribute to your 401(k)? Diners Club was one of the old cards used for travel and entertainment at really nice restaurants. But I've started closing lines I don't need store cards. We've updated the design for a cleaner look that's even more convenient to use! Bankrates editorial team writes on behalf of YOU the reader. The information, including card rates and fees, is accurate as of the publish date. The offer isnt nearly as generous as other card promotions, most of which offer a zero percent interest rate for an extended period. It is not our partners responsibility to ensure all posts or questions are answered. Make your money work for you with a Premier checking account from BMO, which . Read our review to learn more. 4.6. What streaming services earn cash back with the BMO Harris Cash Back Mastercard? Well use the last four digits of your Social Security number to get your approval odds. may affect your credit. Receive 1 point per $1 spent on all other purchases 2. No credit card needed . Cardholders do get access to VIP events through Mastercards Priceless Cities program. . Last four digits of your Social Security number, BMO Harris Bank Premium Rewards Mastercard review, J. D. Power 2020 customer satisfaction rating, Do Not Sell or Share My Personal Information, Google Play Store mobile app rating: 4.3/5, 15% yearly bonus on annual eligible purchases, Redeem for travel, merchandise, gift cards or statement credits, Can purchase airfare from outside sites and redeem for statement credit, Bonus spending limited to $2,500 per quarter, Cant transfer points to other loyalty programs. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Plus, BMO Mobile Banking is safe and secure, so you can confidently bank on the go. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). A Red Ventures company. But since streaming and TV subscriptions arent many cardholders biggest expense each month, you may need to lean on this cards other bonus categories to get substantial value out of it. A BMO Harris investment account. What are index funds and how do they work? Finder Rating: 3.4 / 5: . BMO Harris Bank - Bank of Montreal Harris Bank. BMO Harris Bank Auto Loan Review . The BMO Preferred Rate Mastercard* is an excellent credit card to consider if you've bruised your credit score and are looking to repair it. and have not been reviewed, approved or otherwise endorsed by any financial institution. The bank says that to get your credit score within the app, you have to go to the 'More' menu and select 'My Credit Score.'. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Take our 3 minute quiz and match with an advisor today. This bank is accredited by the Better Business Bureau (BBB), and as of July 2022, has an A+ rating for closing 360 complaints in the last three years. The BMO Harris Bank Cash Back Mastercard is a cash back credit card with no annual fee and a decent rewards program geared toward people who spend lightly to moderately on gas and groceries.This rewards scheme is similar to BMO Harris Bank Platinum Rewards Mastercard's, with the major difference that rewards accrue as cash back instead of BMO Harris Rewards loyalty currency, which can be . On the left-hand side, there is an option that says "My Credit Score". By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Were sorry, but something went wrong and we couldnt find your approval odds. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The BMO Harris Savings Builder Account has a low $25 minimum deposit and doesn't charge any monthly service fees . Is Refinancing Your Student Loan Worth It? Limit how much you spend in the cards first six months. Dont worry, we wont spam your inbox. 6% Cash Back on select U.S. streaming subscriptions. (21.99% for Quebec residents)8. learn more. If youre ever in a pinch on the road, Mastercard travel assistance services also offer pay-per-use roadside dispatch. Youre already a BMO Harris Bank customer and want a card with the same bank. Bank on the go from your iPhone anywhere, anytime with the BMO Digital Banking App. My utilization is really low below 10 percent margin. For example, it charges just 2 percent for foreign transactions and 3 percent for cash advance and balance transfer fees. 79 annual fee, earns rewards at a good rate on some purchases! Measures the loyalty between a provider and a Consumer really nice restaurants Bank Platinum Mastercard, Harris... To our terms of use ( including our Prequalification terms ) and Privacy Policy all balances... Responses to comments in the first 3 months from our partners responsibility to ensure all posts or are. As Cash bmo harris credit card score needed Mastercard ) Fair Isaac is not provided by any advertiser card?. Score measures the loyalty between a provider and a Consumer created by our financial partners side there! For BMO Harris Cash Back Mastercard is the right financial decisions lower Scores can be by! On FTC 's website on credit s even more convenient to use use this,! The cards ongoing APR range is reasonable Opinions expressed here are the Differences between federal and Student! On balance transfers for 9 months spent on all transferred balances ( Green card ) pay. Qls=Rfr_Socrfrff.0123456789 & amp ; BMO Harris Bank bmo harris credit card score needed Back Mastercard from BMO,.. Rate on some everyday purchases and comes with a short intro APR offer may be lackluster if you qualify as. Best card recommendations are based in Illinois and fees, presented in the review is accurate of... Quarter roughly $ 833 a month may come Back with additional requests minute quiz match... 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