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BMO CashBack Mastercard Credit Card Review - Watch Before you ApplyBMO CreditView, where you can get no-fee, no-impact access to your credit score so you can start monitoring and learn steps to build your credit today. What credit score do I need to get a BMO credit card? BMO cards are designed for business owners with fair credit and require a minimum credit score of I'm not sure how BMO is in Canada, but BMO Harris Bank in the US would definitely not approve your credit card application if you do not.