How to Apply for a BMO Harris Bank Credit Card

Personal finance is a key element in managing our lives. And among the most useful financial tools to complement our planning are credit cards. When used responsibly, they can help us establish a credit history, manage large interest-free purchases, take advantage of rewards, among others.

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When applying for a credit card, it is important to carefully consider the financial institution that will grant it. An excellent option is BMO Harris Bank. This bank has several products designed with people's financial well-being in mind.

If you are considering applying for your first card or adding a new one, here we share with you all the details about the requirements, benefits and application process to obtain one from this institution. This way, you will be able to decide if this is the best option for your financial needs.

BMO Harris Bank credit cards

What credit card options does BMO Harris Bank offer?

This bank offers several alternatives, all of which are part of the Mastercard network. Some of those available include:

  • BMO Cash Back Credit Card: allows you to earn 2% cash back on gas and grocery purchases, with a limit of $2,500 in combined spending per calendar. It has a regular interest rate of 21.24% to 28.24% variable, depending on the first month's yield and benchmark.
  • BMO Platinum Credit Card: Offers 0% interest on purchases for the first 15 months from account opening. In addition, there is no annual fee. It has a regular interest rate of 16.49% to 25.49% variable.
  • Platinum Premium Rewards credit card: offers a regular interest rate of 20.24% to 28.24% variable, depending on the profitability and the reference index of the first month. The card allows you to accumulate reward points and have access to exclusive benefits.

How to apply for one of the BMO Harris Bank cards?

To apply for this product, you can do it in two main ways. The first option is to call the phone number 1-888-340-2265 and the second is to log on to the bank's website.

If you decide to do the process online, you will need to follow these steps:

  1. Visit the official BMO Harris Bank website.
  2. Look for the credit card section
  3. Select the one you wish to apply for.
  4. Click on "Apply online".
  5. Complete the online application form with the required information. This may include your personal, financial and contact information.
  6. Review the application and submit it.

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General requirements for applying for a card

Each credit product may have specific requirements. However, you can know in advance what the general requirements are:

  • Be of legal age (18 years or older).
  • Have a Social Security Number (SSN) or, in some cases, an Individual Taxpayer Identification Number (ITIN).
  • Legally reside in one of the states where the bank operates.
  • Have a credit history in the United States or the ability to demonstrate financial solvency.

Required Documentation

To complete the application, you will likely need to provide:

  • Valid identification, such as a passport or driver's license.
  • Proof of residency, such as a utility bill or lease.
  • Income and employment information.

Benefits of having a credit card

Credit cards have become a fundamental part of personal finance. They offer multiple benefits that simplify daily life and boost our purchasing power, as long as they are used responsibly.

Some of their main benefits are:

  • Build your credit history: by using it responsibly and making your payments on time, you can start building your credit score. This is essential when applying for major loans such as a mortgage.
  • Earn rewards: Many credit cards offer rewards programs that return "cash back" or points redeemable for travel, merchandise and more. These benefits increase as you use the product responsibly.
  • Consumer protections: provide protections in case of fraud or if a merchant fails to do its part in a purchase/service transaction. You can dispute fraudulent charges more easily.
  • Financing: These products allow you to finance large purchases and pay for them in fixed monthly installments with or without interest. It is useful to handle unexpected expenses in an orderly manner.
  • Travel benefits: some include accident insurance on trips paid with the card, access to VIP lounges at airports and more advantages when traveling.

In short, applying for a credit card with BMO Harris Bank is simple and straightforward. Plus, you'll enjoy many benefits when you have this product in your hands. If you qualify, complete your application.

Español: Cómo aplicar para una tarjeta de crédito del BMO Harris Bank