BMO Harris Bank Cash Back Mastercard Review: $100 Bonus

The BMO Harris Bank Cash Back Mastercard^® offers the seemingly same rewards structure as BMO Harris’s Platinum Rewards variant, minus the 10% anniversary bonus. So essentially, you should already expect a $100 Sign-up Bonus after you make $1,000 in spending within the first 3 months of account opening. In addition to that, you’ll be earning 2% cash back per $1 spent on gas and groceries up to $2,500 each calendar quarter, all at no annual fee and 0% Introductory APR on Purchases and Balance Transfers. (6 months on purchases, 12 months on balance transfers).

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Table of Contents

Alternative Credit Card Bonuses:

BMO Harris Cash Back Mastercard Summary:

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Maximum Bonus: $100 Bonus
Spending Requirement: $1,000 in spending within 90 days of account opening.
Best Feature: Up to 2% rebate
Annual Fee: None
Expiration Date: None
Additional Advice: your 2% cash back rebate is capped at $2,500 each calendar quarter.

BMO Harris Cash Back Mastercard Features:

Receive 2% per $1 spent on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter. Receive 1 point per $1 spent on all other purchases.
10,000 bonus points when you spend $1,000 in the first 3 months of account opening
0% introductory APR on purchases for 6 months from account opening date.
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening.
No annual fee

Cash Back Mastercard Pros:

No annual fee
0% Introductory APR.

Cash Back Mastercard Cons:

Weak Sign-up Bonus

Conclusion:

I’d say that BMO Harris is quite renowned for their checking bonus stretching into 2017, however, it’s unfortunate that I have never really came across their credit card portfolio before. They’re currently offering their Bank Cash Back Mastercard^® with a $100 Cash Bonus after you spend $1,000 in 90 days of account opening. The cards rewards structure is the same as the Platinum Rewards MC, so you should expect a 2% cash back on gas and groceries capped at $2,500 each quarter. Personally, if you’re looking for more options and a lengthier Introductory APR, then the HSBC Cash Rewards Mastercard® could be the better option. Check out our complete list of Credit Card Promotions for any and all of your credit card necessities!