Cash Back Mastercard® from BMO Harris Bank Review
Cash Back Mastercard® from BMO Harris Bank — all information about the credit card.
Updated December 04, 2023
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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
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Annual Fee
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Regular APR
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BMO Harris Bank Cash Back Mastercard® Rewards Calculator
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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
Pros & Cons
Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- Foreign Transaction Fee
Features
- 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
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Recommended credit score
Good to Excellent (670-799)
- NoneAnnual Fee
- 14.99% - 29.99%Regular APR
- 3%Cash Back on Home, Auto and Health categories.
- NonePurchase Intro APR
Apply now
On Upgrade‘s website
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Recommended credit score
Good to Excellent (670-799)
- $95Annual Fee
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See Another Credit Cards in the Bank
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.