BMO Harris Premier Services represents a combined service appr oach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of the BMO Financial Group. BMO Harris� is a trade name used by
BMO Harris Bank N.A. and its affiliates.
BMO Harris Premier
 Services includes banking, deposit and loan products and services provided by BMO Harris Bank N.A. Banking products and services are subject to bank and credit approval. BMO Harris Bank�  is a 
trade name used by BMO Harris Bank N.A. Member FDIC. BMO Harris Bank does not provide legal or tax advice.
Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered investment adviser. BMO Harris Financial Advisors, Inc.  and 
BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered ar
e: NOT FDIC INSURED � N OT BANK GUARANTEED � NOT A DEPOSIT � MAY LOSE VALUE.
Mastercard� is a registered trademark of Mastercard International Incorporated. � 21 BMO Financial Corporation. All Rights Reserved. (0401/21)
bmoharris.comSummary of Credit Terms for BMO Harris Premier Services Premium Rewards Mastercard�
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases
2.24, 5.24, 8.24 or  19.24   based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0% introductory APR for 12 months from date of first tran sfer when transfers are 
completed within 90 days from date of account opening.
After that, your APR will be 2.24, 5.24  8.24   or 1 9.24  based on your credit 
worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 27.24
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesYour due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.For Credit Card Tips from the Consumer Financial  Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FeesAnnual Fee$79, after the first year from account opening.Transaction Fees�B a l a n c e  T r a n s f e r� Cash Advance� Foreign Transaction
� Either $1 0 or 4% of the amount of each balance transfer, whichever is greater.
�
Either $10 or 5% of the amount of each cash advance, whichever is greater.
�None
Penalty Fees� Late Payment� Returned Payment
� Up to $ 39
�
Up to $39
How We Will Calculate Y our Balance: We use a method called �average daily balance (in cluding new transactions).�  See your Credit Card 
Cardholder Agreement for more details. 
Loss of Introductory APR:
 We may end your introductory APR and apply the standard APR if you make a late payment. 
Penalty Fees: A single violation of each type will not exceed $29. However, if another violation of the s ame type occurs within six billing 
cycles, we will charge up to the maximum fee in the table above. The  Late Payment and Returned Payment fees will n ot exceed the 
related Minimum Paymen t Due.
Promotional/Introductory Rates and Your Grace Period: If you take advantage of an offer with an introductory or promotional APR, we 
will 
charge you interest on new Purchases, unless your new Purchases have a 0% APR, or you pay your Account balance, including any 
Balance Transfers and Cash Advances, in full each month by your payment due date.
BMO Harri s Bank N.A. i s the iss uer of BMO Harris credit cards.
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court decree adversely affects our  rights unless we get a copy of the 
agreement, statement or decree before we grant you credit. You agree that any credit granted will be used in the interest of your marriage or family. State law may require us to give notice of 
this credit card account to your spouse.
OHIO RESIDENTS: The O hio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain 
separate credit historie s on each individual upon r equest. The Ohio civil rights commission administers compliance with this law.
NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, 
fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov. 
I
MPORTANT INFORMATION ABOUT PROCEDURES  FOR OPENING A NEW ACCOUNT:  To help the government fight the funding of terrorism and money laundering activities, Federal  law requires all 
financial institutions to obtain, verify and record information that identifies each person who opens an accou nt. What this  means for you:  When you open  an account,  we will  ask for your  name, 
address,  date of birth and other information that will  allow us  to identify  you. We may also  ask to see your  driver�s license or  other identifying documents.