Never got promotion + Terrible Customer Service
by Lee Xu on Jun 29, 2024
1 out of 5 stars
Credit Card Reviews
BMO CashBack MASTERCARD Consumer Reviews
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(15 reviews)
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Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard®.
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I have had my card restricted without notice several times now when they deem there to be fraud on the account. Dealing with their staff is not easy and there are long wait times. Most recently I spent 25 mins on the phone with a foreign call centre (Aug 30th 2023, 22:05). He angered me to a high degree, especially when refusing to transfer me to a supervisor. Nothing got resolved and now I receive an automated call every hour from MC to resolve the matter, not a human calling me. They can lose my business, no big deal
After moving, I noticed an error in the address of the monthly statement. I tried to change this online, have to create an online banking account, only that doesn't work: kept getting "Something's Up!" error and tried to call instead. Tried calling, but wait times (early May 2021) are over 40 minutes, meaning I can't wait. Why don't they have a call-back service as in other service industries? There is no way to email them because you have to have an online account for that. So a Catch-22 situation in trying to get in touch with them. Will have to drive to another town where there is a BMO branch to get this sorted out and I'm not sure they can do that.
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
Get this card / Apply online
I am happy with the card. Rewards are very valuable to me. I have had no negative experience with the card so far and I don't expect I will.
I love the rewards offered and the ease in which I can redeem. No negative experiences Very happy with the card and what it offets
Like to have the cash back feature which covers the annual fee for a lower interest rate but a lower rate would be even better since I don't use my card too many times.
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
Get this card / Apply online
There good but there monthly fees are a pain it's hard to make minimum payments and pay it off they need to rethink there interest rates
It was my first credit card. I keep it for the no annual fees otherwise the rewards and interest rate are industry standard.
i use this card to get air miles and try to pay it back during that month.the interest is high and i don't like this so air miles is my reason only for having this card
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
Get this card / Apply online
Bmo cash back card has cash back 1% . They give you credit every year automatically. It is easy to use.
I registered for the BMO Cashback Credit Card and I never got the reward that was promoted: 5% cashback on all purchases for the first three months.
I spent close to $10,000 dollars in two months, and they gave me a lousy $23 dollars of cashback rewards.
When I called customer service, they didn't care and tried to gaslight me: my argument was that I should have gotten the 5% cashback after I activated and used the card, not the day when I applied for the card and she kept on saying "When you opened the account." A credit card isn't a checking account: you don't open it like a bank account. When I clarified that to her, she still kept repeating it and only offered me $30 instead. But $30 doesn't treat a matter of equity - other customers got the 3-month promotion I didn't - this is a case of equity and $30 dollars doesn't address that feeling.
BMO refuses to give me the 3 month cashback reward even when I've been a loyal customer of theirs for 10 years, using 4 different BMO Mastercard products since then and that says a lot to me about the company's business acumen - that they're willing to lose a customer over something that was really easy to solve.
I will be looking for a new card + bank in the next few days effectively taking my business elsewhere - BMO lost a loyal customer and in this case, they deserved it.