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Credit Cards

BMO Harris Bank®
Consumer Rewards Mastercard®

BMO Harris
RewardsSM
Program Rules

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BMO Harris RewardsSM 
Program Rules

BMO Harris Bank Platinum Rewards Mastercard® 

BMO Harris Bank Premium Rewards Mastercard®

BMO Harris Premier Services Premium Rewards 
Mastercard®

BMO Wealth Management Premium Rewards 
Mastercard®

These Rules govern Cardholders’ participation in 
the BMO Harris Rewards Program (“Program”). 
This Program allows Cardholders to earn points 
that may be redeemed for various Rewards.

CONTENTS

General
Earning points
Redeeming points
Rewards
Statement credits

“Cardholder” means the accountholder of an eligible 
credit card (“Account”) issued by BMO Harris Bank N.A. 
(“Bank”) except that for Accounts with more than one 
borrower, “Cardholder” means the Primary Cardholder 
and Co-Borrower, where applicable. “Cardholder” does 
not include Authorizer User(s). For purposes of these 
Rules, we may refer to the Bank as “we”, “us” and “our” 
and the Cardholder as “you” and “your.” Eligible cards 
include a BMO Harris Bank Platinum Rewards Mastercard, 
a BMO Harris Bank Premium Rewards Mastercard, a BMO 
Harris Premier Services Premium Rewards Mastercard, 
or a BMO Wealth Management Premium Rewards 
Mastercard (each a “Rewards Card”) issued for personal 
and not business use. Points earned under the Program 
will be credited to the Account of the Cardholder. Only 
the Cardholder is permitted to authorize redemptions 

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under the Program. By using or accepting an Account, 
you agree to these Rules and any changes, additions 
or deletions to them. Go to bmoharris.com/pdf/credit/ 
rewardsconsumerpoints.pdf to view the most recent 
version of the Rules.

We issue and administer all Accounts. We manage the 
Program while third party service providers (“Third Party 
Service Providers”) administer the Program. Fulfillment 
of all rewards is handled by Third Party Service Providers.

These Rules and Account transactions are also subject 
to other agreements you may have with us, including 
your Cardholder Agreement and other agreements 
governing the Account(s) referenced in the Cardholder 
Documents (“Governing Agreements”). As a reminder, 
your Cardholder Agreement contains a provision that 
addresses arbitration of any disputes regarding your 
account, including your participation in this Program. 
Also, your Governing Agreements control if anything 
in these Rules are inconsistent with the terms of the 
Governing Agreements.

The following are the general terms and conditions of 
the Program and are subject to change by the Bank at 
any time without notice. See the current reward offers at 
bmoharrisrewards.com for specific terms and conditions 
applicable to each reward.

General

1.  We offer the Program at our sole discretion. We 
reserve the right to change these Rules and 
rewards and any fees associated with the Program 
at any time, for any reason and without notice, or 
may modify, suspend or end the Program, cancel 
outstanding points or change the redemption value 
of points or availability of rewards. We may reverse 
any points awarded to you in error, regardless of 
cause, and such a reversal may cause you to have 
negative points. If your Account is closed with 
a negative points balance, we may charge your 
Account for the value of those points. We assume 
no liability for any such changes.

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2.  We reserve the right to cancel your participation 

in the Program, close your Account and cause you 
to forfeit your points without notice in the event 
of fraud or abuse of the Program or Account, your 
violation of the Rules, or patterns suggesting 
improper use of the Program. 
For the purpose of clarification, transactions that we 
determine in our own discretion are made for the 
purpose of abusing the Program are not eligible to 
earn points and we may reverse any points that were 
accrued as a result of fraud or abuse of the Program. 
For further clarification, abuse of the Program 
includes attempting to earn points not allowed under 
the Program or by making charges that are outside 
the scope of usual or customary credit card usage.

3.  We reserve the right to suspend your participation 
in the Program, which may include the accrual of 
additional points and the redemption of points for a 
reward, if your Account is not in good standing. Good 
standing means that your Account is not canceled, 
past due or otherwise in default under the terms of 
any agreements you have with us, including these 
terms and conditions. Upon bringing your Account 
into good standing, your participation in the Program 
will be reinstituted, but points previously forfeited or 
eliminated will not be reinstated.

4.  You authorize us (which includes, for the purposes 
of this paragraph, our agents and representatives) 
to contact you using automatic telephone dialing 
systems, artificial or prerecorded voice message 
systems, email and text messaging systems in 
order to provide you with information regarding the 
Program and your Account, including information 
about missed payments, the suspected misuse of 
your Card, services or rewards received through the 
Program, or general servicing items. You authorize us 
to make such contacts using any telephone numbers 
(including wireless, landline and Voice over Internet 
Protocol numbers) you have supplied or will supply 
to us in connection with the Program or your Account 
or any other account you may have or will establish 

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with us. You understand that anyone with access to 
your telephone may listen to or read the messages 
we leave or send you, and you agree that we will 
have no liability for anyone accessing such messages. 
You further understand that, when you receive a 
telephone call or text message, you may incur a 
charge from the company that provides you with 
telecommunications, wireless and/or data services, 
and you agree that we will have no liability for such 
charges. You expressly authorize us to monitor and 
record your calls with us. You agree that you are the 
owner and/or primary user of any telephone number 
or email address you provide to us and that you 
will notify us if this is no longer true as to any such 
telephone number or email address.

5.  You are responsible for any tax liability related to 

participation in the Program or as a result of points 
earned or redeemed.

6.  You may be responsible for payment of any departure 
taxes, customs fees, checked baggage fees, excess 
baggage charges, security taxes, passenger facility 
charges, air segment taxes or any other charges 
assessed by governmental entities or carriers as a 
result of travel redeemed from this Program, as well 
as any shipping, courier, fulfillment or certificate fees 
associated with rewards under the Program.

7.  The Program is void where prohibited by law. We 
are not responsible for administering the Program 
or providing services under the Program. 

8.  We are not responsible for errors or omissions in 

any Program document. We are not liable to you or 
any recipient of services or rewards arising from, 
or related to, the services or rewards issued under 
the Program. Please consult directly with third-
party booking, reservations and loyalty programs 
regarding your participation in those programs when 
you use your BMO Harris Rewards points. We are 
not responsible for the non-accrual of credit, award 
points, or other benefits concerning non-BMO Harris 
Rewards programs.

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9.  You and any recipient of services or rewards received 
through the Program hold us, our affiliates, and Third 
Party Service Providers harmless in connection with 
any injuries and damages of every kind and nature 
arising in connection with or as a result of claiming 
and redeeming points and with your receipt of and 
use of an reward. You waive and release any and all 
rights, demands, losses, liabilities, claims and causes 
of action whatsoever that you may now or hereafter 
be entitled to assert, including, but not limited to, 
any death, injury, loss of enjoyment or other harm or 
loss of any nature whatsoever caused by, contributed 
to, or arising out of your participation in the Program. 
You further agree to hold us, our affiliates and Third 
Party Service Providers harmless if a reward vendor 
or provider files bankruptcy, or otherwise goes out of 
business, after you have redeemed your points for a 
reward from the vendor or provider but before you 
are able to receive or use the reward.

10. Neither us, our affiliates nor Third Party Service 
Providers are responsible for any other party’s 
performance in connection with delivering services 
to you under the Program. Each service provider may 
have its own terms and conditions for the services 
you request.

11.  Capitalized terms used and not defined herein have 
the definitions provided in Governing Agreements.

Summary of Bonus and Earn Rates

Product Name*

BMO Harris Bank Platinum
Rewards MasterCard

BMO Harris Bank Premium 
Rewards MasterCard

BMO Harris Premier Services
Premium Rewards MasterCard

BMO Wealth Management
Premium Rewards MasterCard

Base Earn
Rate

1 point per $1

1 point per $1

1 point per $1

1 point per $1

*Products that are eligible for Product Change may have special rules related to earn rates 
and some bonuses may not apply. See Earning Points, Section 11 for more information.

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12. We reserve the right to interpret Rules and Program 
policies and will be the final authority on point 
credits and award qualifications.

Earning Points

1.  Base Earn: You will earn one (1) base point for every 
one United States dollar ($1.00) in eligible purchases 
rounded to the nearest whole dollar (i.e., a $5.49 
purchase would round down to $5.00 while a $5.50 
purchase would round up to $6.00 prior to being 
scored) made on an eligible card. There is no cap on 
the amount of base points that can be earned.

2.  Bonus Earn:

• Category Bonus Earn: 

i.   We may offer you opportunities to earn 

bonus points on certain categories of eligible 
purchases, such as gas and grocery purchases. 
The networks that process your transactions 
provide transaction category codes, and in turn, 
merchants determine which codes to use when 
you make a purchase from them. 

 However, merchants may not use codes 
that identify certain transactions as eligible 
purchases. Further, not every purchase you make 
at certain merchants will qualify as an eligible 
purchase. For example, a purchase made other 
than fuel at a gas station may not be an 

Bonus Earn 
Categories

Bonus Earn
Rates

Overall Earn
on Bonus
Categories

Anniversary
Bonus

Gas & Grocery

1 point per $1

2 points per $1

10%

Dining, Airfare,
and Hotel

Dining, Airfare,
and Hotel

Dining, Airfare,
and Hotel

2 points per $1

3 points per $1

15%

2 points per $1

3 points per $1

15%

2 points per $1

3 points per $1

20%

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 eligible purchase. Because BMO Harris does not 
control the categories merchants use to identify 
transactions, BMO Harris cannot guarantee that 
each eligible purchase will accrue bonus points.

ii.    BMO Harris Bank Platinum Rewards Mastercard: 
You will earn an additional one (1) bonus point 
for every one United States dollar ($1.00) in 
eligible gas and/or grocery purchases (bonus earn 
category eligible gas and grocery purchases), 
rounded to the nearest whole dollar. Bonus earn 
is only available on the first $2,500 of net eligible 
gas and/or grocery purchases within a calendar 
quarter. After the $2,500 cap is met within a 
calendar quarter, you will earn at the base rate in 
those categories until the next calendar quarter 
begins and the cap is reset.

iii.   BMO Harris Bank Premium Rewards Mastercard 
and BMO Harris Premier Services Premium 
Rewards Mastercard: You will earn two (2) bonus 
points for every one United States dollar ($1.00) 
in eligible dining, airfare and/or hotel purchases, 
rounded to the nearest whole dollar (i.e., a 
$150.49 dining purchase would be multiplied by 
2 then rounded to determine how many bonus 
points you can earn). Bonus points are only 
earned on the first $2,500 of net eligible dining, 
airfare and/or hotel purchases within a calendar 
quarter. After the $2,500 cap is met within a 
calendar quarter, you will continue to earn at 
the base rate in those categories until the next 
calendar quarter begins and the cap is reset.

iv.  BMO Wealth Management Premium Rewards 

Mastercard: You will earn two (2) bonus points 
for every one United States dollar ($1.00) in 
eligible dining, airfare and/or hotel purchases, 
rounded to the nearest whole dollar (i.e., a 
$150.49 dining purchase would be multiplied by 
2 then rounded to determine how many bonus 
points you can earn). There is no cap on the 
amount of bonus points earned.

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• Anniversary Bonus Earn: 

i.   BMO Harris Bank Platinum Rewards 

Mastercard: You will earn an Anniversary 
bonus equal to ten percent (10%) of total net 
purchases made in the calendar year since 
the Account’s Anniversary date. 

ii.   BMO Harris Bank Premium Rewards 

Mastercard and BMO Harris Premier Services 
Premium Rewards Mastercard: You will 
earn an Anniversary bonus equal to fifteen 
percent (15%) of total net purchases made 
in the calendar year since the Account’s 
Anniversary date.

iii.  BMO Wealth Management Premium Rewards 
Mastercard: You will earn an Anniversary 
bonus equal to twenty percent (20%) of the 
total net purchases made in the calendar year 
since the Account’s Anniversary date. 

iv.  Your Account must be in good standing at 

the time the Anniversary bonus is calculated 
in order to earn the Anniversary bonus. The 
Anniversary bonus will be applied to the 
Account 4 – 6 weeks after your Anniversary 
date. For purposes of these Rules, your 
“Anniversary” is the date that is twelve 
months after the Account’s enrollment date, 
and the same date each twelve months 
thereafter. Your Account is considered enrolled 
in the Rewards program effective on the date 
you open your eligible credit card, unless you 
change from a non-Rewards card to a Rewards 
card, where your enrollment date is the date 
of Product Change.

3.  Net purchases are the dollar value of goods and 

services purchased on an Account minus any credits, 
returns or other adjustments as reflected on monthly 
billing statements.

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4.  All credits and/or returns will result in a debit of the 
same amount of points that were originally earned.

5.  Negative points will post if your returns or credits 

exceed your purchases for the monthly billing period.

6.  Eligible purchases generally include purchase 
transactions on your statement. However, 
transactions that are not eligible purchases for 
purposes of point calculation include but are not 
limited to: cash advances, balance transfers, cash 
advances designated as purchases, which includes 
for clarity, purchases that can be converted to cash 
or cash equivalents, gift cards (including store gift 
cards), prepaid cards or cards that can be used for 
cash-like or quasi-cash transactions, traveler's checks, 
money orders, and purchases of foreign currency, 
convenience checks, wire transfers, ATM withdrawals. 
Fees and card-related charges posted to an Account, 
including late payment fees, annual fees and interest 
charges as contained in the applicable Governing 
Agreements also are excluded from the calculation of 
eligible purchases. Additional transactions excluded 
from calculation of eligible purchases include: 
gaming-related transactions (including, without 
limitation, gambling chips, off-track wagers or 
lottery ticket transactions), tax payments, purchases 
of digital assets, and any unauthorized charges or 
transactions, and any airfare or hotel reservation 
booked directly through a third party booking 
service. For further clarification, transactions that we 
determine in our own discretion are made for the 
purpose of abusing the Program are not eligible to 
earn points and we may reverse any points that were 
accrued as a result of fraud or abuse of the Program 
or Account.

If the Account is closed for any reason, the Account 
will no longer be able to accrue points and all 
accrued points not redeemed for that Account will be 
available to redeem for 90 days as long as Account is 
closed in good standing.

7. 

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8.  Rewards Card points earned during a billing cycle are 
not available for redemption until they are posted on 
your monthly billing statement and transferred to your 
available points balance. You may access BMO Harris 
Rewards online by logging in at bmoharris.com then 
clicking “View & Redeem” from the Account details 
screen. Your available points balance is also available 
by calling the BMO Harris Rewards Redemption 
Center (“Redemption Center”) .

9.  If you have more than one type of Rewards Card 

specifically addressed by these Rules, points earned 
on each such Rewards Card may be combined. 
Points earned on other BMO Harris Bank rewards 
credit cards not addressed by these Rules cannot be 
combined with points earned from a Rewards Card. 
If you are the Cardholder of more than one Rewards 
Card covered by these Program Rules, you may call 
the Redemption Center to have your points pooled. 
All pooled accounts must be in good standing to 
continue to earn and redeem pooled points. 

10.  Points are not considered your property and cannot 

be transferred to any other Account, person or entity. 
Points have no cash value. If we learn of the death of 
the Cardholder on an Account without a co-borrower, 
we may automatically redeem any available points as a 
statement credit to the account that earned the points.

11.  A request to change your current card type (“Current 

Card”) to a different card type (“Product Change Card”) 
without opening a new Account is a Product Change 
request. Product Change requests are subject to the 
terms and conditions provided with a Product Change 
request as well as any applicable Governing Agreements.

• Transferring Points: 

i.   If both your Current Card and your Product Change 
Card are Rewards Cards that earn points (not the 
BMO Harris Cash Back Mastercard), the available 
points on your Current Card will transfer to your 
Product Change Card at a 1:1 rate.

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ii.   If your Current Card is a Cash Back Card and your 
Product Change Card is a Rewards Card that 
earns points, your available cash back balance 
will be converted into points by multiplying the 
Cash Back balance by 100 and transferred to your 
Product Change Card. For example, if your Current 
Card has an available cash back balance of $125 at 
the time of Product Change, we will multiply $125 
by 100 and transfer 12,500 points to your Product 
Change Card. 

iii.  If your Current Card earns points (not the BMO 
Harris Cash Back Mastercard) and your Product 
Change Card is a Cash Back Card, your available 
points balance will be converted into cash back by 
dividing the balance by 100. For example, if you 
have an available points balance of 12,500 points 
at the time of Product Change, we will divide 
12,500 by 100 and transfer $125 cash back to your 
Product Change Card.

iv.   If your Current Card earns points or cash back and 
your Product Change Card does not earn points or 
cash back, you will have 90 days after the date of 
Product Change to redeem any available points or 
cash back on your Account.

v.   If you request a Product Change, you may 

experience a temporary delay in accessing your 
available points while we process your request.

• Earning Points: 

i.   The base and bonus earn rates for your Product 

Change Card will begin with transactions that post 
after the date of Product Change.

• Bonus Points: 

i.   If you earn an Anniversary bonus with your Card, 
we will calculate that bonus using the Rules that 
apply to the product that you are in at the time of 
your Anniversary.

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ii.   If you complete a Product Change from a Rewards 
Card to another Rewards Card, your Anniversary 
date does not change. If you complete a Product 
Change from a non-Rewards Card to a Rewards 
Card, your Anniversary date will be the date of 
your Product Change date.

iii.  Unless otherwise specified, a Product Change Card 

is not eligible for an Introductory Bonus.

Redeeming Points

1.  Points may be redeemed for a variety of rewards, as 
indicated in the catalog (“Catalog”) on the Program 
website, including airline tickets, vacation packages, 
cruises, hotel reservations, merchandise, gift cards, 
and statement credits. For a complete listing of 
all possible rewards available for redemption, in 
addition to their current redemption value, terms 
and conditions, the full Catalog is available at 
bmoharrisrewards.com. All rewards are subject to 
the terms and conditions of the applicable merchant 
or manufacturer. Please consult directly with third-
party booking, reservations and loyalty programs 
regarding your participation in those programs when 
you use your BMO Harris Rewards points. We are not 
responsible for non-BMO Harris rewards programs.

2.  For your available point balance or to make 
a redemption visit bmoharris.com or call the 
Redemption Center. 

3.  Points earned during a billing cycle are not eligible 

for redemption until they are posted on your monthly 
billing statement and transferred to your available 
points balance. 

4.  Only you may redeem points. Rewards, including 

airline tickets, may be issued in the name of another 
person designated by you.

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5.  Points may not be used with any other discount or 
coupon offer. Points may not be used as payment 
for any obligation owed to us, unless otherwise 
permitted in special promotional offers. No cash 
refunds will be issued on redemption of points.

6.  Unless otherwise specified, all rewards are sent to 
your statement mailing address postage prepaid.

7.  All rewards are subject to availability and fulfillment 
fees, if and when they are applicable. Rewards may 
be discontinued or withdrawn without notice. The 
redemption value of rewards may be changed at any 
time without notice. 

8.  Neither us, our affiliates, nor Third Party Service 

Providers are responsible for lost, stolen, or damaged 
correspondence or documents.

9.  You have sole responsibility for any charges over 
and above the stated value of the gift cards, 
merchandise, airline tickets, car or hotel reservations, 
experiences, cruises or vacation packages.

10. Points have no cash value.

11.  After you book any travel reward reservation using 
your points, please contact the Redemption Center 
regarding changes, re-scheduling, or any additional 
services pertaining to your reservation.

12. You may elect not to use points for the full amount of 
a travel reward. The difference between the amount 
of the travel reward and the points redeemed will 
be charged to the BMO Harris Bank credit card 
you designate.

Rewards

Airline Tickets

1.  You may redeem points for a scheduled ticket on 
a major airline carrier, providing that the fares, 
schedules, and ability to generate an electronic 
ticket are possible through the BMO Harris 
Rewards program.

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2.  Reservations for airline tickets must be available 
through the BMO Harris Rewards program at the 
time of booking.

3.  Participating air carriers are subject to change.

4.  Reservation and ticketing must be completed at time 

of redemption.

5.  Tickets may be redeemed in any individual’s name. 
The names of all passengers must match their 
government-issued ID and most airlines do not 
allow changes to passenger names once a ticket 
has been issued.

6.  Airline ticket rewards may not be used in conjunction 
with any type of coupons, vouchers, Internet fares or 
companion fares.

7.  All taxes and the September 11th Security Fee are 

included in the stated fare. Any applicable baggage 
fees or any additional charges by the airlines are 
the responsibility of the passenger and will be billed 
separately by the airline. All travel itineraries and 
supporting documentation,will be sent via email and 
may be accessed through, your BMO Harris Rewards 
account online.

8.  Airline tickets are non-refundable and nonchangeable 
unless permitted by the terms of the fare. If changes 
to an itinerary are later necessary, you may contact 
the Redemption Center with your request. Changes 
may incur additional costs such as airline penalty 
fees, increased fares, and service fees that will be 
applied to your BMO Harris Bank credit card that you 
designate. In the instance that a refund is due, it will 
be processed within 4 to 6 weeks and will post in 
the manner in which redemption was made (e.g., 
if reservation was made with all points, it will be 
refunded in points).

9.  The Bank, our affiliates and Third Party Service 
Providers are not responsible for any lost or 
damaged luggage.

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10. The Bank, our affiliates and Third Party Service 

Providers are not responsible for communication of 
airline schedule changes or the performance of any 
Airline for tickets redeemed with points from the 
BMO Harris Rewards program.

11.  The traveler is responsible for obtaining the 

appropriate international travel documentation, such 
as passports and visas. Visit www.travel.state.gov 
for passport and visa requirements. The Redemption 
Center assumes no responsibility for advising 
guests of proper travel documentation. The traveler 
should have valid government-issued photo ID upon 
airport check-in.

12. Travel rewards are forfeited for individuals who 

are no-shows.

13.  Airline policies are subject to change at any time 

without notice.

Hotel Bookings

1. 

You may redeem points for reservations at hotels 
worldwide participating in the program. 

2.  You must meet the eligibility requirements, such as 
a minimum age restriction, established by the hotel 
provider. Hotel policies and participation are subject 
to change at any time without notice.

3.  Hotel reservations and associated costs or 

cancellations are subject to the specific hotel 
cancellation policy. If changes or cancellation to a 
hotel reservation is necessary, you may contact the 
Redemption Center with your request prior to check 
in. Changes or cancellation may incur additional 
expenses. If a refund is due, it will be processed 
within 4 to 6 weeks and will post in the manner in 
which payment was made (e.g., if reservation was 
made with all points, it will be refunded in points).

The traveler is responsible for obtaining the 
appropriate international travel documentation, 
such as passports and visas. The traveler should 

4. 

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have a valid government-issued photo ID upon 
check-in that matches the name on the reservation 
and will be required to present a credit card 
for the incidental expenses such as parking or 
room service.

5.  Restrictions may apply to hotel frequent 

guest programs.

6.  Neither us, our affiliates nor Third Party Service 
Providers are responsible for the performance 
of any hotel provider.

Merchandise

1.  All merchandise reward orders are subject to 

product availability.

2.  Merchandise rewards include applicable sales tax 
and shipping and handling (via first-class mail, 
ground delivery or motor freight service within the 
continental U.S.). 

3.  Merchandise will be shipped to your statement 

mailing address if your address on file is within the 
U.S. Shipments cannot be made to a post office box.

4. 

For security reasons, parcel or motor freight 
couriers may contact you to arrange delivery of 
merchandise. It is your responsibility to respond to 
the courier in a timely and reasonable manner to 
facilitate the delivery process. Additional shipping 
and handling fees for merchandise returned 
to vendor due to your failure to make delivery 
arrangements will be your responsibility.

5. 

In-stock merchandise shown in the Catalog will 
ordinarily be delivered within 4 to 6 weeks.

6.  Merchandise shown in the Catalog carries a 100% 

satisfaction guarantee against workmanship defect 
or shipping damage for 30 days from receipt of your 
order. This does not apply to perishable items.

7. 

If your package appears to be damaged upon 
arrival, you should refuse the package if possible. 

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If it is not possible to refuse the package, contact 
the Redemption Center within 24 hours of receipt. 
Do not attempt to return an item or shipment 
without first contacting the Redemption Center.

8.  Damaged merchandise is not returnable if 

notification is delayed beyond thirty (30) days.

9.  Merchandise will be replaced once the damaged 

merchandise has been received from you.

10.  For some products, the manufacturer does not 

allow returns but provides warranty service. In such 
a situation, you may receive instruction on how 
to obtain warranty service rather than a complete 
reward replacement.

11.  We reserve the right to alter or substitute any or all 
merchandise rewards (or change point value) at any 
time without prior notification.

12.  You may return the substitute reward to us at our 

expense if it is unacceptable, and we will notify you 
that your points, if deducted, have been restored.

13.  We reserve the right to refuse to exchange 

merchandise or refund points if an item is returned 
without adhering to this return policy.

14.  Neither us, our affiliates nor Third Party Service 
Providers are responsible for the performance 
of any merchandise or injury related to use of 
merchandise redeemed with points from the 
BMO Harris Rewards program.

Gift Cards

1. 

These rewards may not be combined with any other 
promotional offers.

2.  Gift cards are valid at participating merchants only 
through the expiration date (when applicable) 
printed on the gift card.

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3.  Gift cards and will be subject to the gift card 

suppliers’ terms and conditions and will have no 
value except when used in accordance with those 
terms and conditions.

4.  Gift cards will not be honored retroactively in 

connection with any prior purchases, nor can they 
be used as payment on existing Account balances 
with either the participating merchant or us. Any 
unused portion of a gift card will not be returned to 
you or other recipient of the gift card in cash unless 
otherwise so stated on the gift card or in the terms 
and conditions accompanying the gift card.

5.  Gift cards are not refundable or exchangeable, and 
they are not replaceable after issuance in the event 
of loss or destruction, unless otherwise stated 
on the gift card or in the terms and conditions 
accompanying the gift card.

6.  Gift cards valued under $250 will be sent by U.S. 
Postal Service and those valued at $250 or more 
will be shipped by courier. BMO Harris Bank Gift 
Cards will be shipped first class by the U.S. Postal 
Service, regardless of dollar amount. Gift cards will 
be shipped to your statement mailing address if 
your address on file is within the U.S.

7. 

These rewards are void where prohibited by law.

8. 

Federal, state and local taxes on gift card purchases 
are your sole responsibility unless otherwise stated 
on the gift card or in the terms and conditions 
accompanying the gift card.

9.  Neither us, our affiliates, nor Third Party Service 
Providers are responsible for any merchant 
performance or performance of goods or services 
purchased with the gift card or for failure of any 
merchant to perform due to bankruptcy, insolvency 
or any other reason.

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Cruises

1. 

2. 

3. 

You may redeem points towards cruise passage on 
any major cruise line available through the Catalog.

Cruise packages may only be booked through the 
Redemption Center.

You must meet the eligibility requirements 
established by the cruise provider.

4.  Once cruise booking is confirmed, no interim price 

reductions will be considered or offered.

5.  All cruise rewards are non-refundable.

6.  Changes may be made up to 90 days prior to sailing 
(120 days for holiday and special event cruises). 
Changes under 90 days (120 days for holiday and 
special event cruises) may result in forfeiture of the 
reward.

7. 

Travel rewards are forfeited for individuals who are 
no-shows. Any changes may result in service fees 
and additional fees imposed by the cruise line; you 
will be notified of such fees in advance.

8.  Cruise rewards may not be used in conjunction with 
any type of coupons, vouchers or group rates.

9.  All reservations are subject to the conditions of 

carriage, supply or business of the service provider, 
which include exclusions and limitations of liability.

10.  Proper travel documentation is required at 

embarkation and throughout the cruise. Even 
though a traveler has registered online, it is still the 
responsibility of the traveler to present the required 
travel documents at the time of embarkation. 
Traveler should check with www.travel.state.gov 
to determine the travel documents necessary 
for each port of call. Any guest without proper 
documents will not be allowed to board the vessel 
and no refund of the cruise fare will be issued. The 
Redemption Center assumes no responsibility for 
advising guests of proper travel documentation.

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11.  Neither us, our affiliates nor Third Party Service 

Providers are responsible for the performance of 
the cruise line.

Car Rentals

1. 

2. 

You may use points for car rental reservations with 
select car rental companies listed in the Catalog. 
Car rental reservations will be prepaid at the time 
of booking and payment for costs not covered by 
the use of points will be charged to the BMO Harris 
Bank credit card you designate.

In addition to the daily rental rate, fees and taxes, 
you are responsible for any other charges not 
included in the daily rental rate, including, but not 
limited to costs for damages to the vehicle and 
accessories or incidentals (e.g., child seats, GPS, etc.). 

3.  Please review car rental terms and conditions for 

cancellation policies. If you are a no-show, all points 
and any additional payments for the rental made by 
BMO Harris Bank credit card will not be refunded.

4.  You will not receive a credit or refund for any 

unused portion of your rental period unless where 
prohibited by law.

5.  All reservations are subject to the terms and 

conditions of carriage, supply or business of the 
service provider, which may include exclusions and 
limitations of liability.

6.  Neither us, our affiliates nor Third Party Service 

Providers are responsible for the performance of the 
car, car rental company, or any services or features 
provided by the car rental company.

Experiences

1.  All reservations for experiences will be subject 
to the merchant’s terms and conditions for any 
scheduling restrictions, such as maximum group 
size or time and date availability.

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2. 

The merchant has sole responsibility for honoring 
any reservation, any of the merchant’s customer 
loyalty programs, and for the care and quality of all 
services it provides to you. 

3.  We do not facilitate nor are we liable for any special 
requests you make of the merchant, which the 
merchant may accommodate at its discretion. 

4.  We will not provide a refund for any missed or 

canceled reservation if you did not cancel or 
reschedule according to the merchant's policies. It 
is within the merchant’s sole discretion to provide 
an alternative date and time for your experience 
after a missed or canceled reservation. Once you 
have scheduled your experience you will be subject 
to the terms and conditions including those for 
rescheduling, cancellation and no-shows. 

5. 

If your participation is conditional upon signing an 
indemnity and release form with the merchant and 
you decline to sign any document or fail to meet 
requirements after scheduling, you will not be 
eligible for any refund and may not be allowed to 
participate in the experience.

6.  Merchants may also require compliance with other 

conditions, including but not limited to conduct, and 
failure to meet these conditions may result in you 
being removed from the premises and unable to 
participate in the experience without a refund.

7.  Neither us, our affiliates nor Third Party Service 

Providers are responsible for the performance of 
the merchant.

Vacation Packages

1. 

You may redeem points towards any vacation 
package offered through the BMO Harris 
Rewards Program.

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2.  Vacation packages may only be booked by calling 
the Redemption Center and specialty agents that 
can assist with booking vacation packages are 
available 8am-5pm Central Time, Monday-Friday.

3.  Once the vacation package booking is confirmed, 
no interim price reductions will be considered 
or offered.

4. 

Changes may be made up to 90 days prior to travel 
(120 days for holiday and special events). Changes 
under 90 days (120 days for holiday and special 
events) may result in forfeiture of the reward. 
Changes are subject to availability and may result 
in service fees and additional fees imposed by 
the provider; you will be notified of such fees 
in advance.

5. 

Travel rewards are forfeited for individuals who 
are no-shows.

6.  Vacation packages may not be used in conjunction 
with any type of coupons, vouchers or group rates.

7. 

The difference between the amount of the vacation 
package and the points redeemed will be charged 
to the BMO Harris Bank credit card you designate.

8.  All reservations are subject to the conditions of 

carriage, supply or business of the service provider, 
which include exclusions and limitations of liability.

9.  Proper travel documentation is required throughout 
the tour. Even though a traveler has registered 
online, it is still the responsibility of the traveler 
to present the required travel documents at the 
time of departure. The traveler is responsible for 
obtaining the appropriate international travel 
documentation, such as passports and visas. Visit 
travel.state.gov for passport and visa requirements. 
The Redemption Center assumes no responsibility 
for advising guests of proper travel documentation.

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10.  Neither us, our affiliates nor Third Party Service 

Providers are responsible for the performance of the 
travel provider, tour operator or any service vendor.

Statement Credits

You may redeem points for a statement credit that may 
be applied to an eligible account you designate at the 
Bank. Rewards redeemed to a BMO Harris Checking, 
Savings, or Money Market account will be credited to 
that account 7-10 business days after your redemption 
request. Redemptions to BMO Harris Checking, Savings 
or Money Market accounts may be considered taxable 
income from BMO Harris Bank in the tax year in which 
you redeem the points. BMO Harris Bank may be 
required to send you a Form 1099-MISC for the year in 
which you redeem. 

Please allow up to 7 to 10 business days after 
redemption for the statement credit to post to your 
Account. Statement credits will not be applied towards 
reducing the minimum payment due on your Account. 
Statement credit denominations and point valuations 
specific to your Rewards Card can be viewed by logging 
in to bmoharris.com and clicking View and Redeem 
from the Account Details screen. In the case of pooled 
accounts, the statement credit will be applied to the 
Account that is logged in at the time the statement 
credit redemption is made.

Rev. 07/21

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Questions?

Online
Log in at bmoharris.com then click "View and 
Redeem" from your Account details screen. 
Online access is available 24 hours a day, 
7 days a week to view your available
balance or make a redemption.

Phone
Call the Redemption Center at
1-800-610-8987 for rewards program information. 
Redemption Center hours of operation
are from 8 a.m. to 8 p.m. Central Time, 
seven (7) days a week, excluding
federal holidays. 

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Talk with us 
1-800-610-8987

Learn more 
bmoharrisrewards.com

BMO Harris Bank Mastercard® Gift Cards are issued by BMO 
Harris Bank N.A. pursuant to a license by Mastercard International 
Incorporated and are NOT FDIC insured. 

Mastercard® and the Mastercard Brand Mark are registered  
trademarks of Mastercard International Incorporated.

Banking products and services are subject to bank and credit 
approval and are provided by BMO Harris Bank N.A. Member  
FDIC. BMO Harris Bank® and BMO Harris® are trade names  
used by BMO Harris Bank N.A.

© 2021 BMO Financial Group. 

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