bmoharris.comSummary of Credit Terms for BMO Wealth Management Premium Rewards Mastercard�
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases
11.99 . 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 199%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 27.24
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases 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.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.For Credit Card Tips from the Consumer Financial  Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FeesAnnual Fee$175, after the first year from account opening.Transaction Fees�B a l a n c e  T r a n s f e r� Cash Advance� Foreign Transaction
� Either $1 0 or 4% of the amount of each balance transfer, whichever is greater.
�
Either $10 or 5% of the amount of each cash advance, whichever is greater.
�None
Penalty Fees� Late Payment� Returned Payment
�Up to $39
�Up
 to $39
How We W ill Calculate Your B alanc e: We us e a me th od ca lled � average dail y balance (including n ew transactions).� See your 
Credit Card Cardholder Agreement for more details. 
Loss of Introductory APR: We ma
y 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 B ank N.A. is the i ssuer of BMO Harris credit cards.
NOTICE TO MARRIED WISCONSIN RESIDENT
S: 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 in
terest of your marriage or family. State law may require 
us to give n otice of this credit card acco unt to your spou se.
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 th
is law.
NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by teleph one or visit its website for free information on comparative 
credit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov. 
I
MP
ORTANT INFORMATION ABOUT PROCEDURES  FOR OPENING A NEW ACCOUNT:  To help the government fight the funding of terrorism and money laundering activities, Federal  law 
requires all financial institutions to obtain, verify and record information that identifies each person who opens an accou nt. What this  means for you:  When you open  an account,  we will 
ask for your  name, address,  date of birth and other information that will  allow us  to identify  you. We may also  ask to see your  driver�s license or  other identifying documents. 
Mastercard� is a registered trademark of Mastercard International Incorporated. 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. Banking products and services are 
provided by BMO Harris Bank N.A. and are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC. � 21 BMO Harris Bank N.A. All Rights Reserved. (0401/21)