BMO Harris Bank N.A. Pricing Information for BMO  Harris Bank Platinum, Platinum Rewards, Cash 
Back, Premium Rewards, Premier Services Premium Rewards and Wealth Management Premium 
Rewards credit cards 

Interest Rates and 
Interest Charges 

Platinum 

Platinum Rewards, Cash Back, 
Premium Rewards, Premier 
Services Premium Rewards, 
Wealth Management Premium 
Rewards 

Prime Rate plus 8.74% 
to Prime Rate plus 
18.99%, based on your
creditworthiness. This APR will vary with 

the market based on the Prime Rate. 

0.00% introductory APR for six or 
fifteen months from account opening 
date. After that, your APR will be 
Prime Rate plus 8.74% 
to Prime Rate plus 
16.99%, based on your 
creditworthiness. This APR will vary 
with the market based on the Prime 
Rate. 

0.00% introductory APR for twelve or fifteen months from date of first transfer 
when transfers are completed within 90 days from date of account opening. 
After that, your APR will be Prime Rate plus 8.74% to Prime Rate plus 
18.99%, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Prime Rate plus 20.99% or Prime Rate plus 23.99%. 
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. 

$0 or $79 after the first year of account opening or 
$175 after the first year of account opening 

 Either $10 or 3% of the amount of each balance transfer, whichever is greater

or either $10 or 4% of the amount of each balance transfer, whichever is
greater

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Balance 
Transfer 

APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 
Annual Fee 

Transaction Fees 
 Balance Transfer

 Cash Advance

 Either $10 or 3% of the amount of each cash advance, whichever is greater

or either $10 or 5% of the amount of each cash advance, whichever is
greater

 Foreign Transaction

 None or 3% of each transaction in U.S. dollars

Penalty Fees 
 Late Payment
 Returned Payment

 Up to $37 or up to $39
 Up to $37 or up to $39

REV (04/01/21)

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new transactions).” See your 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. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your Agreement. 
Cash Limit: Your Cash Limit is 20% of your Credit Limit.  If cash access is requested, your Cash Limit will 
appear on your billing statement.  In addition to any limits imposed by the ATM operator, we may also 
impose transaction limits on cash withdrawals.  Please contact Customer Service at the provided phone 
number with any questions regarding your Cash Limit and Cash Advances. 
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. 

Margins 
And Periodic Rates with Corresponding APRs 

Margin 
Periodic Rate 
(as of 
04/01/2021) 

Purchase Rate 
8.74% to 18.99% 
0.03284% to 0.06093% 

Balance Transfer Rate 
8.74% to 18.99% 
0.03284% to 0.06093% 

Cash Advance Rate 
20.99% or 23.99% 
0.06641% or 0.07463% 

(corresponding APR of 
11.99% to 22.24%) 

(corresponding APR of 
11.99% to 22.24%) 

(corresponding APR of 
24.24% or 27.24%) 

Minimum Payment Due: Refer to your Agreement for how we calculate your Minimum Payment Due. 

REV (04/01/21)