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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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CompareCards was one of three sites that met all the criteria.
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
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- Regular Purchase APR 20.74% - 27.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
- Intro Purchase APR N/A
- 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. Then, 20.74% - 27.74% APR based on your creditworthiness.*
- Annual Fee $0*
- Credit Needed Excellent/Good
- Card Brand Mastercard®
- Regular Purchase APR 20.74% - 27.74% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.*
- Intro Purchase APR N/A
- 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. Then, 20.74% - 27.74% APR based on your creditworthiness.*
- Annual Fee $0*
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Earn $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
- 5% cash back on streaming, cable TV and satellite services. These streaming services include but are not limited to: Netflix, Paramount+, Hulu, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, HBO Max, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube TV and Tidal.
- 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter.
- 1% cash back on all other eligible purchases.
- 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. After that, a variable APR applies, currently 20.74% - 27.74%, based on your creditworthiness.
- No Annual Fee
- Online application for BMO Harris Bank Credit Cards only available for AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, ND, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY
Card Fees
Foreign Transaction Fee
3% of each transaction in U.S. dollars.*
Balance Transfer Fee
Either $10 or 4% of the amount of each balance transfer, whichever is greater.*
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.*
Penalty APR
N/A
Ongoing Information
Rewards Rate
5% cash back on streaming, cable TV and satellite services; 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter; and 1% cash back on all other eligible purchases
Annual Fee
$0*
Additional Card Details
$0 Fraud Liability
Yes
Auto Rental Insurance
Yes
Extended Warranty Program
Yes
Roadside Assistance
Yes
Purchase Protection
No
Travel Assistance
Yes
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
Concierge Service
Yes
Expert Reviews
From the CompareCards.com Editorial Team, updated on Jun 01, 2023
Expert Reviews of the BMO Harris Bank Cash Back Mastercard®
The Bottom Line
The Good
The Not so Good
Editorial Note: This content is not provided by BMO Harris Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by BMO Harris Bank.
Consumer Reviews
OFFER RATING
/5.0
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
Our pick for 1:1 cash back match in your first year
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 16.99% - 27.99% Variable APR.
- Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 16.99% - 27.99% Variable APR.
- Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
See additional details for Discover it® Cash Back
Our pick for best unlimited cash back card
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
See additional details for Wells Fargo Active Cash® Card
Our pick for low-maintenance earning
- Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 18.99% - 28.99% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
- Sign-Up Bonus Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 18.99% - 28.99% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
See additional details for Citi Custom Cash℠ Card
