Cash Back Mastercard® from BMO Harris Bank Review

Cash Back Mastercard® from BMO Harris Bank — all information about the credit card.

BMO Harris Bank Cash Back Mastercard®
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on eligible streaming, cable TV and satellite services.
    • 3% Cash Back on eligible gas and grocery purchases.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $200 Cash Back bonus when you spend $2,000 within 3 months of opening your account.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    21.24% - 28.24% Variable
  • Balance Transfer APR:
    21.24% - 28.24% Variable
Show more

We recommend more cards

BMO Harris Bank Cash Back Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Streaming services
$
5%
Cable and satellite TV
$
3%
Gas
$
3%
Groceries
$
1%
All other purchases
$
Have you already recieved the BMO Harris Bank intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% On eligible streaming, cable TV and satellite services.
    • 3% On eligible gas and grocery purchases.
    • 1% On all other eligible purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 21.24% - 28.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening
  • Balance Transfers APR
    • 21.24% - 28.24% Variable
  • APR for Cash Advances
    • 32.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 4% of the amount of each balance transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on balance transfers
Cons:
  • Foreign Transaction Fee

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Good Credit
  • Excellent Credit

About the issuer

BMO Harris Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Travel, Daily use
Venture Rewards Capital One
Capital One Venture Rewards Credit Card
3.43 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $95
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5x
    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

BMO Harris Bank Cash Back Mastercard® is an option for those, who need Classic features. With an APR of 21.24% - 28.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With BMO Harris Bank Cash Back Mastercard® you will get such features as No Annual Fee, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Fair credit
3.6 out of 5
Recommended credit score
scorer
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partner’s site