Summary  of Credit  Terms  for BMO  Harris  Bank  Premium  Rewards  Master card� 
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  13.99 %, 15.99 %, 18.99 % or 21.99 % 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 transfer when transfers are 
completed within 90 days from date of account opening.  
 
After that, your APR will be 13.99 %, 15.99 %, 18.99 % or 21.99 % based on your 
credit worthiness. This APR will vary with the market based on the Prime Rat e. 
APR for Cash Advances  24.24%   
This APR will vary with the market based on the Prime Rate.  
How to Avoid Paying Interest on 
Purchases   Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you any interest on purch ases 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 Charge   If you are charged interest, the charge will be no less than $1.00.  
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  To 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.  
 Fees  
Annual Fee  $79, after the first year from account opening. 
Transaction Fees  
 
� Balance Transfer  
 
� Cash Advance  
 
� Foreign Tr ansaction   
 
� Either $10 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 Payme nt  
 
� Up to $39 
� Up to $39 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (including 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 same 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 not exceed the related Minimum Payment 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 Harris Bank N.A. is the issuer of BMO Harri s 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. Y ou 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 Ohio laws against discrimination require that all creditors ma ke credit equally available to all credit worthy customers, and 
that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights comm ission 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.  
IMPORTANT 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 id entifies each person who opens 
an account. 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.  
 
 
 
Master card� is a registered  trademark  of Master card International  Incorporated.  Banking  products  and services  are provided  by BMO  Harris  Bank  N.A. and are 
subject  to bank  and credit  approval.  Member  FDIC.  � 2021  BMO  Harris  Bank  N.A. All Rights  Reserved.  (04/01/21) 
 
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