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What Credit Score is Required to Qualify for a BMO USA Credit Card - Quick \u0026 EasyGenerally, you need a good score (+) to apply for most cards with rewards and benefits, but there are options for bad and fair credit applicants. What Credit Score Is Needed to Apply for a Credit Card in Canada? ; BMO AIR MILES Mastercard, ; Scotiabank SCENE Visa Card, ; Tangerine. You need a credit score of or better for a BMO Harris Bank credit card. That means people with at least good credit are eligible to be.