Credit Cards

BMO Harris Bank® Consumer 
Rewards Mastercard®

BMO Harris 
RewardsSM  
Program Rules

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 awards.

“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” only means the primary account-
holder for purposes of these Rules. “Cardholder” does 
not include the Co-Borrower, secondary cardholder or 
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 under 
the Program. Co-Borrowers, secondary cardholders, and 
Authorized Users are not parties to these Rules, and 
are not entitled to benefits of the Program including 

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Credit Cardsmaking redemptions. 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 awards is handled by Third Party Service Providers.

These Rules and Account transactions are also subject 
to other agreements you may have with us, including 
Cardholder Agreements and other agreements governing 
the Account(s) referenced in the Cardholder Agreements 
(each a “Governing Agreement”). The Cardholder 
Agreement will govern in the event of any inconsistency 
between the Governing Agreements and these Rules.

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 award offers at 
bmoharrisrewards.com for specific terms and conditions 
applicable to each award.

General

1. 

 We offer the Program at our sole discretion. We 
reserve the right to change these Rules and 
awards 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 awards. 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.

2.   We reserve the right to cancel your participation 

in the Program, close your Account and cause you 

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BMO Harris RewardsSM Program Rulesto forfeit your points without notice in the event 
of fraud or abuse of the Program privileges, your 
violation of the Rules, or patterns suggesting 
improper use of the Program.

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 
an award, if your Account is not in good standing. 
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.   The Bank, our affiliates or Third Party Service 

Providers may monitor and record your telephone 
calls regarding the Program. You agree that the 
Bank, our affiliates or Third Party Service Providers 
may from time to time make calls and send text 
messages to you using pre-recorded/artificial voice 
messages and/or through the use of an automatic 
dialing device at any telephone number associated 
with the Account, including mobile telephone 
numbers that could result in charges to you. You also 
expressly agree that we may send e-mail messages 
regarding the Program to any e-mail address you 
provide to the Bank, our affiliates or Third Party 
Service Providers.

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 

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Credit Cardsfrom this Program, as well as any shipping, courier, 
fulfillment or certificate fees associated with awards 
under the Program.

7.  The Program is void where prohibited by law.

8.   We are not responsible for administering the Program 
or providing services under the Program. We are not 
responsible for errors or omissions in any Program 
document. We are not liable to you or any recipient 
of services or awards arising from, or related to, the 
services or rewards issued under the Program.

9. 

 You and any recipient of services or awards 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 award. 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 an award vendor 
or provider files bankruptcy, or otherwise goes out 
of business, after you have redeemed your points for 
an award from the vendor or provider but before you 
are able to receive or use the award.

10.   Capitalized terms used and not defined herein have 

the definitions provided in the Governing Agreement.

11.   We reserve the right to interpret Rules and Program 
policies and will be the final authority on point 
credits and award qualifications.

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BMO Harris RewardsSM Program Rules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 a BMO Harris Bank Platinum 
Rewards Mastercard, BMO Harris Bank Premium 
Rewards Mastercard, BMO Harris Premier Services 
Premium Rewards Mastercard, or a BMO Wealth 
Management Premium Rewards Mastercard. There is 
no cap on the amount of base points that can 
be earned.

2.  Bonus Earn:

• Category Bonus Earn:

i. 

 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 
include transactions coded by the merchant  
with Merchant Category Code (“MCC”) 5411, 

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

Categories

Rates

Bonus Earn 

Bonus Earn 

Overall Earn 

Anniversary 

on Bonus 

Categories

Bonus

1 point per $1

1 point per $1

2 points per $1

10%

1 point per $1

Dining, Airfare, 

2 points per $1

3 points per $1

15%

1 point per $1

Dining, Airfare, 

2 points per $1

3 points per $1

15%

1 point per $1

Dining, Airfare, 

2 points per $1

3 points per $1

20%

Gas and 

Grocery

and Hotel

and Hotel

and Hotel

*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 13 
for more information.

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Credit Cards 
 
ii. 

 5451, 5462, 5499, 5541, 5542 or 5983), 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.

 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 
(bonus earn category eligible dining, airfare 
and/or hotel purchases include transactions 
coded by the merchant with MCC 3000 – 3299, 
3501 – 3999, 4511, 5812, 5813, 5814 or 7011), 
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 

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

*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 13 

for more information.

Base Earn 

Rate

Bonus Earn 
Categories

Bonus Earn 
Rates

Overall Earn 
on Bonus 
Categories

Anniversary 
Bonus

1 point per $1

1 point per $1

1 point per $1

1 point per $1

Gas and 
Grocery

Dining, Airfare, 
and Hotel

Dining, Airfare, 
and Hotel

Dining, Airfare, 
and Hotel

1 point per $1

2 points per $1

10%

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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BMO Harris RewardsSM Program Rules 
 
 
iii. 

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.

 BMO Harris Bank 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 (bonus earn category eligible 
dining, airfare and/or hotel purchases include 
transactions coded by the merchant with 
MCC 3000 – 3299, 3501 – 3999, 4511, 5812, 5813, 
5814 or 7011), 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.

•  Anniversary Bonus Earn:

i. 

ii. 

 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.

 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 Harris 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.

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Credit Cards 
 
 
 
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.

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. Accounts are eligible for point 
accrual upon account opening.

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.   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, traveler’s checks, 
money orders, and purchases of foreign currency, 
convenience checks, wire transfers, ATM withdrawals 
and insurance charges. Fees and card-related  
charges posted to an Account, including late fees, 
over-limit fees, annual fees and interest charges as 
contained in the applicable Governing Agreement 
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 and any unauthorized 
charges or transactions.

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BMO Harris RewardsSM Program Rules 
7. 

 If the Account is closed for any reason (other than 
fraud or other security concerns), including inactivity 
or non-renewal, the Account will no longer be able to 
accrue points and all accrued points not claimed and 
redeemed for that Account will be forfeited. 

8.   Points for eligible purchases made to a Rewards 

Card held by a Co-Borrower, secondary cardholder, 
Authorized User or any other individual other than 
you will be credited to your Account.

9. 

 Rewards Card points are calculated by transaction. 
Transactions and their projected earnings are 
viewable under the Earnings section of Account 
Activity at bmoharrisrewards.com daily. 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. Your available points balance will 
display on bmoharrisrewards.com. Your available 
points balance is also available by calling the BMO 
Harris Rewards Redemption Center (“Redemption 
Center”) at 1-800-610-8987. Redemption Center hours 
of operation are from 8 a.m. to 8 p.m. Central Time, 
seven (7) days a week, excluding federal holidays.

10.   If you have more than one type of Rewards Card 
specifically addressed by these Rules (refer to 
the beginning of these Program Rules for a list of 
applicable Rewards Cards), points earned on each 
such Rewards Card may be combined into one point 
balance, upon request. 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. As long as at least one 
Account in the pooling is in good standing, you may 
continue to earn and redeem pooled points.

9

Credit Cards11.   There is no expiration on points earned on Rewards 

Cards.

12.   Points and rewards are not considered your property 
and cannot be transferred to any other Account, 
person or entity.

13.   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. 

ii. 

iii. 

 If both your Current Card and your Product 
Change Card are Rewards Cards that earn points 
(not Cash Back), the available points on your 
Current Card will transfer to your Product Change 
Card at a 1:1 rate. 

 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 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.

 If your Current Card earns points (not Cash Back) 
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 

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BMO Harris RewardsSM Program Rules 
 
 
 
 
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. 

 Any transferred rewards balances are subject to 
these Rules. 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. 

ii. 

 Any Anniversary bonus will be calculated based 
upon the Rules that apply to the product that 
you are in at the time of Anniversary calculation. 

 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 of points.

Redeeming Points

 Points may be redeemed for a variety of awards, 
as indicated in the catalog (“Catalog”) on the 
Program website, including airline tickets, vacation 
packages, cruises, hotel reservations, merchandise, 
gift cards, digital awards, and statement credits. For 
a complete listing of all possible awards available 
for redemption, in addition to their current value, 
terms and conditions, the full Catalog is available at 
bmoharrisrewards.com. All awards are subject to the 
terms and conditions of the applicable merchant  
or manufacturer.

1. 

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Credit Cards 
 
 
 
 
 
 
2.   For your available point balance, to view the 

Catalog and pricing, or to make a redemption, visit 
bmoharrisrewards.com or call the Redemption 
Center at 1-800-610-8987. Redemption Center hours 
of operation are from 8 a.m. to 8 p.m. Central Time, 
seven (7) days a week, excluding federal holidays. 
You must contact the Redemption Center to return  
an award or check on the status of a redemption at 
this time.

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. The available points balance can be 
viewed on bmoharrisrewards.com once you have 
authenticated or logged in.

4.   Only you may redeem points. Any individual other 

than the Cardholder of the Account is not permitted 
to redeem points, including a Co-Borrower, secondary 
cardholder or Authorized User. But awards, including 
airline tickets, may be issued in the name of another 
person designated by you. 

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 awards are sent to 
your statement mailing address postage prepaid. 

7. 

 All awards are subject to availability and fulfillment 
fees, if and when they are applicable. Awards may 
be discontinued or withdrawn without notice. The 
redemption value of awards may be changed at any 
time without notice. If you are denied any kind of 
benefit of the Program to which you are entitled,  
our liability shall be limited to your earned portion 
of the benefit.

12

BMO Harris RewardsSM Program Rules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 retail gift cards, 
e-certificates, merchandise, digital awards, hotel 
reservations, cruises, vacation packages or airline 
tickets. Any additional charges will be charged to  
the BMO Harris Bank credit card you designate, 
subject to any applicable Account restrictions (such 
as credit limits).

10.  Points have no cash value.

Awards

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, by visiting the bmoharrisrewards.com 
website or calling the Redemption Center.

2.   Reservations for tickets exclude the use of charters, 
wholesalers and consolidators, as well as any 
fares that are not published, available through the 
BMO Harris Rewards program, and/or available for 
ticketing through a certified travel agency.

3.  Participating air carriers are subject to change.

4.   You may elect not to use points for the full fare 

amount of the airline ticket.

5. 

 Reservation and ticketing must be completed at time 
of redemption.

6.   Tickets may be purchased 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.

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Credit Cards7. 

 Airline ticket awards may not be used in conjunction 
with any type of coupons, vouchers, Internet fares or 
companion fares.

8.   All taxes and the September 11th Security Fee are 

included in the stated fare.

9. 

 Any applicable baggage fees or any additional 
charges by the airlines, such as incidentals, are the 
responsibility of the passenger.

10.   All travel itineraries and supporting documentation 
will be sent via email and may be accessed through 
bmoharrisrewards.com.

11.   Airline tickets are non-refundable and non-

changeable 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 up to 5 days prior to the travel date. 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. 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 (i.e., if reservation was 
made with all points, it will be refunded in points; if 
the reservation was charged to your BMO Harris Bank 
credit card, it will be refunded back to your BMO 
Harris Bank credit card).

12.   The Bank, our affiliates and Third Party Service 
Providers are not responsible for any lost or  
damaged luggage.

13.   The Bank and Third Party Service Providers are  
not responsible for communication of airline 
schedule changes. Flight reservations should be 
re-confirmed directly with the airline at least 
72 hours prior to departure.

14.   The traveler is responsible for obtaining the 

appropriate international travel documentation, such 

14

BMO Harris RewardsSM Program Rules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.

15.   Travel awards are forfeited for individuals who are 

no-shows.

16.   Neither us, our affiliates nor Third Party Service 

Providers are responsible for airline performance. All 
reservations are subject to the conditions of carriage, 
supply or business of the service provider, which 
include exclusions and limitations of liability.

17.   Airline policies are subject to change at any time 

without notice.

Hotel Bookings
1. 

 You may redeem points for reservations at thousands 
of hotels worldwide.

2.  Participating hotels are subject to change.

3. 

 You must meet the eligibility requirements, such as 
a minimum age restriction, established by the hotel 
provider. Hotel policies are subject to change at any 
time without notice.

4.   Hotel reservations cannot be reversed unless 

permitted by the terms of the reservation and are 
subject to the specific hotel/rate cancellation policy. 
If changes or cancellation to a hotel reservation is 
necessary, you may contact the Redemption Center 
with your request up to 5 days prior to your travel 
date. Changes or cancellation may incur additional 
expenses, including but not limited to increased 
rates, penalty fees and/or service fees that will be 
applied to your BMO Harris Bank credit card. 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 (i.e., if reservation was made 
with all points, it will be refunded in points; if the 

15

Credit Cardsreservation was charged to your BMO Harris Bank 
credit card, it will be refunded back to your BMO 
Harris Bank credit card).

5. 

 Hotels do not allow changes to dates, names,  
room type, and number of occupants once booking 
is complete.

6.   You may elect not to use points for the full fare 

amount of the hotel reservation.

7. 

 The traveler is responsible for obtaining the 
appropriate international travel documentation, such 
as passports and visas. The traveler should 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.

8.   Restrictions may apply to hotel frequent guest 

programs.

9. 

 Neither us, our affiliates nor Third Party Service 
Providers are responsible for the performance of any 
hotel provider.

Merchandise
1. 

 All merchandise award orders are subject to product 
availability.

2.   Merchandise awards include applicable sales tax 
and shipping and handling (via first-class mail, 
ground delivery or motor freight service within 
the continental U.S.). Shipments outside of the 
continental U.S. may require additional shipping and 
handling fees.

3. 

 Merchandise will be shipped to your statement 
mailing address unless you specify otherwise at the 
time your redemption is made. 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 

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BMO Harris RewardsSM Program Rules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.   When provided, manufacturer warranty information 

is included with the product at the time of shipment. 
You can also visit the manufacturer’s website to view 
available warranty information.

7. 

 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.

8.   If your package appears to be damaged upon 

arrival, you should refuse the package if possible. 
If it is not possible to refuse the package, contact 
the Redemption Center at 1-800-610-8987 within 
24 hours of receipt. Do not attempt to return an item 
or shipment without first contacting the Redemption 
Center at 1-800-610-8987.

9. 

 Damaged merchandise is not returnable if 
notification is delayed beyond thirty (30) days.

10.   Merchandise will be replaced once the damaged 

merchandise has been received from you.

11.   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 
award replacement.

12.   We reserve the right to alter or substitute any or all 
merchandise awards (or change point value) at any 
time without prior notification.

13.   You may return the substitute award to us at our 

expense if it is unacceptable, and we will notify you 
that your points, if deducted, have been restored.

17

Credit Cards14.   We reserve the right to refuse to exchange 

merchandise or refund points if an item is returned 
without adhering to this return policy.

Gift Cards/e-Certificates
1. 

 These awards may not be combined with any other 
promotional offers.

2.   Gift cards and e-certificates are valid at participating 
merchants only through the expiration date (when 
applicable) printed on the gift card or e-certificate.

3. 

 Gift cards and e-certificates must be submitted to the 
merchant upon use.

4.   Fulfillment of gift cards and e-certificates is the sole 
responsibility of the specific participating merchant.

5. 

 Gift cards and e-certificates will be subject to the gift 
card or e-certificate suppliers’ terms and conditions 
and will have no value except when used in 
accordance with those terms and conditions.

6.   Gift cards and e-certificates 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. 
Gift cards and e-certificates have no cash value, nor 
may they be redeemed for cash or its equivalent. Any 
unused portion of a gift card will not be returned to 
you or other recipient of the gift card or e-certificate 
in cash unless otherwise so stated on the gift 
card or e-certificate or in the terms and conditions 
accompanying the gift card or e-certificate.

7. 

 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 e-certificate or in the terms and conditions 
accompanying the gift card or e-certificate.

8.   E-certificates are not refundable and will not be 

replaced if lost or stolen. All redemptions are final.

18

BMO Harris RewardsSM Program Rules Once an order is placed you cannot cancel or request 
a return. The e-certificate will be sent to the e-mail 
address supplied during Redemption.

9. 

 Retail gift cards will be shipped according to value, 
with the exception of BMO Harris Bank Gift Cards. 
Retail 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.

10.  These awards are void where prohibited by law.

11.   Federal, state and local taxes on gift card or 

e-certificate purchases are your sole responsibility 
unless otherwise stated on the gift card or 
e-certificate or in the terms and conditions 
accompanying the gift card or e-certificate.

12.   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 e-certificate or 
for failure of any merchant to perform due to 
bankruptcy, insolvency or any other reason.

Digital Awards
Digital awards are not refundable and will not be 
replaced if lost or stolen. All redemptions are final. Once 
an order is placed, you cannot cancel or request a return. 
A valid e-mail address is required to redeem this award 
and you must enter your e-mail address during checkout. 
Once your order is processed, your e-mail address cannot 
be altered for purposes of receiving your digital award.

Cruises
1. 

 You may redeem points towards cruise passage on 
any major cruise line.

2.   All cruise redemption requests must be made  

at least 30 days prior to sailing or you may incur 
additional fees.

19

Credit Cards 
3. 

 Cruise packages may only be booked through the 
Redemption Center at 1-800-610-8987.

4.   You may elect not to use points for the full fare 

amount of the cruise package.

5. 

 You must meet the eligibility requirements 
established by the cruise provider.

6.   Once cruise booking is confirmed, no interim price 

reductions will be considered or offered.

7.  All cruise awards are non-refundable.

8.   Changes may be made up to 90 days prior to sailing 
(120 days for holiday and special event cruises) for a 
$100.00 service fee (subject to change), plus any fees 
imposed by the cruise line. Changes under 90 days (120 
days for holiday and special event cruises) may result in 
forfeiture of the award, or additional fees may apply.

9. 

 Travel awards are forfeited for individuals who are 
no-shows.

10.   Cruise awards may not be used in conjunction with 
any type of coupons, vouchers or group rates.

11.   All reservations are subject to the conditions of 

carriage, supply or business of the service provider, 
which include exclusions and limitations of liability.

12.   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.

13.   Neither us, our affiliates nor Third Party Service 

Providers are responsible for the performance of the 
cruise line.

20

BMO Harris RewardsSM Program RulesVacation Packages
1. 

 You may redeem points towards any vacation 
package offered by any major tour company. 

2.   All vacation redemption requests must be made 
at least 30 days prior to travel date or you may 
incur additional fees. You must meet the eligibility 
requirements established by the travel provider. 

3. 

 Vacation packages may only be booked by calling the 
Redemption Center at 1-800-610-8987. 

4.   Once the vacation package booking is confirmed, no 

interim price reductions will be considered or offered. 

5. 

 Changes may be made up to 90 days prior to travel 
(120 days for holiday and special events) for a 
$100.00 service fee (subject to change), plus any fees 
imposed by the hotel, airline, tour operator or any 
vendor providing service for your vacation. Changes 
under 90 days (120 days for holiday and special 
events) may result in forfeiture of the award, or 
additional fees may apply. 

6.   Travel awards are forfeited for individuals who are 

no-shows.

7. 

 Vacation packages may not be used in conjunction 
with any type of coupons, vouchers or group rates. 

8.   All reservations are subject to the conditions of 

carriage, supply or business of the service provider, 
which include exclusions and limitations of liability.

 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.

9. 

21

Credit Cards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 the Account that earned the points. 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. 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 bmoharrisrewards.com.

Rev. 10/17

Questions?

bmoharrisrewards.com 
Log in at bmoharrisrewards.com 24 
hours a day, 7 days a week to view your 
available cash balance or make 
a redemption. 

1-800-610-8987 
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.

22

BMO Harris RewardsSM Program Rules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.

BMO Harris Premier Services represents a combined service approach 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 are: NOT FDIC INSURED — NOT BANK GUARANTEED — NOT A  
DEPOSIT — MAY LOSE VALUE.

BMO Wealth Management is a brand name that refers to BMO Harris Bank N.A.  
and certain of its affiliates that provide certain investment, investment advisory, 
trust, banking, securities, insurance and brokerage products and services.

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.

© 2016 BMO Harris Bank N.A. (10/17)

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bmoharris.com