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The BMO Harris Bank Cash Back Mastercard has an offer for $200 bonus cash when you spend $2,000 within the first three months. Although not the best bonus out there, it’s a pretty sweet deal for a card with no annual fee. See our list for more cash back credit cards such as the Chase Freedom card.
The BMO Harris Bank Cash Back card offers a 2% return on gas and groceries, for up to a combined $2,500 in purchases every quarter. Making it a good fit for those that spend lightly to moderately in these two categories.
Unfortunately, not everyone is eligible to apply. The BMO Harris Bank Cash Back card is only available to residents of eight states (more on that later).
*Check out BMO Harris Bank bonuses for Checking & Savings accounts.
CHASE FREEDOM FLEX℠
The Chase Freedom Flex℠ credit card is going to earn you a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. The welcome bonus comes in the form of 20,000 Ultimate Rewards points. This card has no annual fee.
This card earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (new categories each quarter). Travel purchased through Chase also earns 5%.
This card earns Ultimate Rewards (UR) points and is a popular option for a multi Chase card strategy. You can pool points together with consumer cards like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. Or, with a business card like the Ink Business Preferred® Credit Card. The 20,000 UR points could be worth around $400 with this strategy, rather than the standard $200. Read more on this here.
BMO Harris Bank Cash Back Card $200 Bonus Cash Offer
Take advantage of the BMO Harris Bank Cash Back card’s $200 bonus cash offer. To qualify, charge at least $2,000 to your card within the first three months from opening your account.
Here are some ideas on meeting the spending requirement.
Redeeming BMO Harris Bank Cash Back Rewards
Your BMO Harris Bank cash back rewards can only be redeemed for statement credits. The minimum requirement is $15. Anything above that must be redeemed in $5 increments.
BMO Harris Bank Cash Back Card Availability
The BMO Harris Bank Cash Back card is only available to those who live near a BMO Harris Bank. That includes residents of:
- Arizona
- Florida
- Indiana
- Illinois
- Kansas
- Minnesota
- Missouri
- Wisconsin
Otherwise, you’ll want to consider other credit cards that are avaialble nationwide.
Bottom Line
The BMO Harris Bank Cash Back Mastercard is a no-frills credit card with no annual fee, limited 2% cash back on gas and groceries and unlimited 1% back on everything else. Because of the bonus categories are capped, it’s not a good fit for heavy spenders. If that’s the case, you’ll want a card with unlimited bonus rewards.
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Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.