Summary of Credit Terms for BMO Harris Premier  Services Premium  Rewards  Mastercard®

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases  

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 

Annual Fee 
Transaction Fees 

• Balance Transfer 

• Cash Advance 

11.99%, 13.99%, 15.99%  or 17.99% based on your 
creditworthiness. This  APR will vary with the market based on the Prime Rate. 

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 11.99%, 13.99%, 15.99% or 17.99% based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

24.24%  
This APR will vary with the market based on the Prime Rate. 

Your 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. 
If you are charged interest, the charge will be no less than $1.00. 

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. 

$79, after the first year from account opening. 

• 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. 

• Foreign Transaction 

• None 

Penalty Fees 

• Late Payment 

• Returned Payment 

• 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 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 Ohio laws against discrimination require that all creditors make 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 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. 
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 identifies 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. 

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. 
Mastercard®  is a registered trademark of Mastercard International  Incorporated.  
© 2021  BMO Financial Corporation.  All Rights Reserved. (04/01/21)   

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