BMO Bank vs BankAmericard® credit card
BMO Bank is a midwest bank with options for low and high-balance customers. How does it compare to BankAmericard, a Balance Transfer credit card? Read our comparison chart below.
BMO Bank has over 600 branches and is the 8th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit.
While BankAmericard offers a 0% intro APR for 21 billing cycles on purchases and balance transfers (made within 60 days of opening your account). After that, a variable APR of 16.24% - 26.24%. There is a 3% balance transfer fee (min $10). There is no annual fee.
Compare BMO Bank with BankAmericard, side-by-side.
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BMO Bank | BankAmericard® credit card | |
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BMO Smart Advantage Checking - $250 Cash Bonus - | ||
Benefits and Features | ||
Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | |
CD | 0.05% - 4.90% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | |
Checking | Smart Advantage, Smart Money, Relationship | |
Money Market | 1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
CreditDonkey® Reviews | ||
Savings | ||
CD | ||
Checking | ||
Money Market | ||
Mobile App | ||
Customer Service | ||
Pros & Cons | Pros:
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Bottom Line | Midwest bank with options for low and high-balance customers... | |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO Bank: Pricing information from published website as of 04/09/2024 based on 60603 zip code. BankAmericard: Pricing information including interest rates, rewards, benefits and fees was obtained on August 1, 2023 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America. Disclaimer: The information for the BankAmericard® credit card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. |
BMO Smart Advantage Checking - $250 Cash Bonus
Open a new BMO Smart Advantage Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
BMO Smart Money Checking - $250 Cash Bonus
Open a new BMO Smart Money Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
BMO Relationship Checking - $400 Cash Bonus
Open a new BMO Relationship Checking account and get a $400 cash bonus when you have a cumulative total of $7,500 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.