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Last updated on July 13th, 2021
BMO Harris Bank Cash Back Mastercard®
BMO Harris Bank Cash Back Mastercard®
- Regular Purchase APR 16.49% ,20.49%, 22.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49% ,20.49%, 22.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.49% variable based on the Prime Rate
- Annual Fee None
- Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- $200 cash back bonus when you spend $2,000 in the first three months of account opening
- 2% cash back per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spending each calendar quarter; 1% cash back on all other purchases
- 0% introductory rate on balance for 12 months on transfers made within 90 days from account opening date
- No annual fee
- Regular Purchase APR: 16.49% ,20.49%, 22.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 16.49% ,20.49%, 22.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
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At a Glance
For those looking to cash in on credit cards that will help them earn cash back while spending on groceries and gas, the BMO Harris Bank Cash Back Mastercard® Credit Card is a solid option with comparatively low rates and fees. Earn 2% cash back per dollar spent on eligible gas and grocery purchases, up to 2,500 dollars quarterly, and enjoy an introductory APR of 0% on balance transfers for the first 12 months from opening your account as well as no annual fee.
Ideal for Those Who:
- Would enjoy earning a $200 cash back bonus
- Want to get 2% cash back on gas and grocery purchases
- Like the idea of an APR of 0% for 1 year on balance transfers made within the first six months of account opening
- Don’t want to pay an annual fee
BMO Harris Bank Cash Back Mastercard® Review
The BMO Harris Bank Cash Back Mastercard® Credit Card is particularly useful if you have a long commute or have plenty of mouths to feed, since you’ll maximize your cash back potential when you earn 2% cash back on each dollar spent on gas and grocery purchases, up to $2,500 in combined spending each calendar quarter. All other purchases will receive compensation of 1% cash back per dollar spent. Redeem cash back for a statement credit.
To sweeten the deal, when you sign up for your BMO Harris Bank Cash Back Mastercard® Credit Card, you can earn a $200 cash back bonus when you spend $2,000 in the first three months. You’ll also get interest rates as low as 0% introductory APR on purchases for 6 months from account opening date. There is no annual fee, either.
The BMO Harris Bank Cash Back Mastercard® Credit Card will also open the door to some of the best features BMO Harris Bank offers their customers, like online account management tools; the ability to make purchases directly from your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™; card monitoring tools so you can keep track of your transactions; and much more. With the BMO Harris Bank Cash Back Mastercard® Credit Card, you’ll even have access to experiences that are exclusive to Mastercard cardholders, including special shopping and dining benefits, hotel upgrades, access to the best shows and sporting events and many other perks from the Priceless® Cities program.
Should You Apply for the BMO Harris Bank Cash Back Mastercard®?
The BMO Harris Bank Cash Back Mastercard® offers 2% cash back on gas and groceries, which isn’t bad for no annual fee. The 2% back on groceries is a particularly nice perk, as another similar card, the Discover It Chrome earns 2% back on gas and dining. The grocery category gives this card a unique twist that makes it an excellent addition to the weekly shopping spend – and the daily commute.
