(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .1

Credit Cards

BMO Harris Bank®
Cash Back Mastercard®

BMO Harris
RewardsSM
Program Rules

(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .2

BMO Harris RewardsSM 
Program Rules

BMO Harris Bank Cash Back Mastercard

These Rules govern Cardholders’ participation in 
the BMO Harris Rewards Program (“Program”). 
This Program allows Cardholders to earn cash back 
that may be redeemed for a statement credit.

“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” means the Primary Cardholder and 
Co-Borrower, where applicable. “Cardholder” does not include 
Authorized User(s). For purpose of these Rules, we may refer 
to the Bank as “we”, “us” and “our” and the Cardholder as 
“you” and “your.” Eligible card means a BMO Harris Bank Cash 
Back Mastercard (a “Cash Back Card”) issued for personal 
and not business use. Cash back earned under the Program 
will be credited to the Account of the Cardholder and can 
be redeemed in the form of a statement credit. Only the 
Cardholder is permitted to authorize redemptions under the 
Program. 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/rewardsconsumercash.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.

These Rules and Account transactions are also subject to 
other agreements you may have with us, including your 
Cardholder Agreement and other agreements governing 
the Account(s) referenced in the Cardholder Documents 
(“Governing Agreements”). As a reminder, your Cardholder 
Agreement contains a provision that addresses arbitration 

1

Credit Cards(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .3

of any disputes regarding your account, including your 
participation in this Program. Also, your Governing 
Agreements control if anything in these Rules are 
inconsistent with the terms of the Governing Agreements.

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 cash back 
rewards and their specific terms and conditions at 
bmoharrisrewards.com.

General

1.  We offer the Program at our sole discretion. We 

reserve the right to change these Rules and rewards 
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 cash 
back or change the redemption value of cash back. 
We may reverse any cash back awarded to you in 
error, regardless of cause, and such a reversal may 
cause you to have a negative cash balance. If your 
Account is closed with a negative cash back balance, 
we may charge your Account for the amount of the 
cash back balance. 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 to 
forfeit your cash back balance without notice in the 
event of fraud or abuse of the Program or Account, 
your violation of the Rules, or patterns suggesting 
improper use of the Program. For the purpose of 
clarification, transactions that we determine in our 
own discretion are made for the purpose of abusing 
the Program are not eligible to earn cash back and 
we may reverse any cash back that were accrued as 
a result of fraud or abuse of the Program. For further 
clarification, abuse of the Program includes attempting 
to earn cash back not allowed under the Program or 
by making charges that are outside the scope of usual 
or customary credit card usage.

2

BMO Harris RewardsSM Program Rules(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .4

3.  We reserve the right to suspend your participation in 
the Program, which may include the accrual of cash 
back and the redemption of cash back for a statement 
credit, if your Account is not in good standing. Good 
standing means that your Account is not canceled, 
past due or otherwise in default under the terms of 
any agreements you have with us, including these 
terms and conditions. Upon bringing your Account into 
good standing, your participation in the Program will 
be reinstated, but cash back previously forfeited or 
eliminated will not be reinstated. 

4.  You authorize us (which includes, for the purposes 

of this paragraph, our agents and representatives) to 
contact you using automatic telephone dialing systems, 
artificial or prerecorded voice message systems, email 
and text messaging systems in order to provide you 
with information regarding the Program and your 
Account, including information about missed payments, 
the suspected misuse of your Card, or general servicing 
items. You authorize us to make such contacts using 
any telephone numbers (including wireless, landline 
and Voice over Internet Protocol numbers) you have 
supplied or will supply to us in connection with your 
Account or any other account you may have or will 
establish with us. You understand that anyone with 
access to your telephone may listen to or read the 
messages we leave or send you, and you agree 
that we will have no liability for anyone accessing 
such messages. You further understand that, when 
you receive a telephone call or text message, you 
may incur a charge from the company that provides 
you with telecommunications, wireless and/or data 
services, and you agree that we will have no liability 
for such charges. You expressly authorize us to monitor 
and record your calls with us. You agree that you 
are the owner and/or primary user of any telephone 
number or email address you provide to us and that 
you will notify us if this is no longer true as to any 
such telephone number or email address.

3

Credit Cards(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .5

5.  You are responsible for any tax liability related to 
participation in the Program or as a result of cash 
back earned or redeemed.

6.  The Program is void where prohibited by law.

7.  We are not responsible for administering the Program. 
We are not responsible for errors or omissions in any 
Program document. We are not liable to you for cash 
back issued under the Program.

8.  You agree that neither us, our affiliates, nor Third 

Party Service Providers is liable for claims that you 
may have against us, our affiliates, or Third Party 
Service Providers arising out of or in any way relating, 
directly or indirectly, to participation in the Program 
and its rewards.

9.  Capitalized terms used and not defined herein have 
the definitions provided in Governing Agreements.

10. We reserve the right to interpret Rules and Program 
policies and will be the final authority on cash back 
qualifications.

Earning Cash Back

1.  Base Earn: You will earn one base percent (1%) cash 
back 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 an eligible 
card. There is no cap on the amount of base cash 
back that can be earned.

2.  Category Bonus Earn: You will earn an additional 
one bonus percent (1%) cash back for every one 
United States dollar ($1.00) in eligible gas and/or 
grocery purchases, rounded to the nearest whole 
dollar made on a Cash Back Card. 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. 

4

BMO Harris RewardsSM Program Rules(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .6

We may offer you opportunities to earn bonus cash 
back on certain categories of eligible purchases, such 
as gas and grocery purchases. The networks that 
process your transactions provide transaction category 
codes, and in turn, merchants determine which 
codes to use when you make a purchase from them. 
However, merchants may not use codes that identify 
certain transactions as eligible purchases. Further, 
not every purchase you make at certain merchants 
will qualify as an eligible purchase. For example, a 
purchase made other than fuel at a gas station may 
not be an eligible purchase. Because BMO Harris does 
not control the categories merchants use to identify, 
BMO Harris cannot guarantee that each Eligible 
Purchase will accrue bonus cash back.

3.  All cash back is earned in United States dollars (USD).

4.  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.

5.  All credits and/or returns will result in a debit of the 

same amount of cash back that was originally earned.

6.  Negative cash back will post if your returns or credits 
exceed your purchases for the monthly billing period.

7.  Eligible purchases generally include purchase 

transactions on your statement. However, transactions 
that are not eligible purchases for purposes of cash 
back calculation include but are not limited to: 
cash advances, balance transfers,cash advances 
designated as purchases, which includes for clarity, 
purchases that can be converted to cash or cash 
equivalents, gift cards (including store gift cards), 
prepaid cards or cards that can be used for cash-like 
or quasi-cash transactions, traveler's checks, money 
orders, purchases of foreign currency, convenience 
checks, wire transfers, ATM withdrawals. Fees and 
card-related charges posted to an Account, including 
late payment fees, annual fees and interest charges 
as contained in the applicable Governing Agreements 

5

Credit Cards(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .7

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, purchases of digital 
assets, and any unauthorized charges or transactions, 
and any airfare or hotel reservation booked directly 
through a third party booking service. For further 
clarification, transactions that we determine in our 
own discretion are made for the purpose of abusing 
the Program are not eligible to earn cash back and 
we may reverse any cash back that were accrued as a 
result of fraud or abuse of the Program or Account. 

8.  If the Account is closed for any reason, the Account 
will no longer be able to accrue cash back and all 
accrued cash back not redeemed for that Account 
will be available to redeem for 90 days as long as 
Account is closed in good standing.

9.  Cash back is not available for redemption until it 
is posted on your monthly billing statement and 
transferred to your available cash balance. You may 
access BMO Harris Rewards online by logging in 
at bmoharris.com then clicking “View & Redeem” 
from the Account details screen. Your available cash 
balance is also available by calling the BMO Harris 
Rewards Redemption Center (“Redemption Center”). 

10. Earnings from any Account or program may not 

be combined with cash back earned from a Cash 
Back Card.

11.  Cash back is not considered your property and 

cannot be transferred to any other Account, person 
or entity. Cash back has no cash value. If we learn of 
the death of the cardholder on an account without 
a co-borrower, we may automatically redeem any 
available cash back as a statement credit to the 
account that earned the cash back.

12. A request to change your current card type (“Current 
Card”) to a different card type (“Product Change 

6

BMO Harris RewardsSM Program Rules(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .8

Card”) without opening a new Account is a Product 
Change request. Product Change requests are subject 
to terms and conditions provided with a Product 
Change request as well as any applicable Governing 
Agreements authenticated or logged in.

Transferring Cash Back:

i.  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.

ii. 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 point 
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.

iii. If your Current Card earns points or cash back 
and your Product Change Card does not earn 
points or cash back, you will have 90 days after 
the date of Product Change to redeem any 
available points or cash back on your account.

iv. If you request a Product Change, you may 

experience a temporary delay in accessing your 
available points or cash back while we process 
your request.

Earning Cash Back:

i.  The base and bonus earn rates for your Product 
Change Card will begin with transactions that 
post after the date of Product Change.

7

Credit Cards(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .9

Bonus Cash Back:

i.  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.

ii. Unless otherwise specified, a Product Change 
Card is not eligible for an Introductory Bonus. 

Redeeming Cash Back

You may redeem cash back for a statement credit that 
may be applied to an eligible account you designate at 
the Bank. Rewards redeemed to a BMO Harris Checking, 
Savings, or Money Market account will be credited to 
that account 7-10 business days after your redemption 
request. 

Redemptions may be considered taxable income from 
BMO Harris Bank in the tax year in which you redeem 
the points. BMO Harris Bank may be required to send 
you a Form 1099-MISC for the year in which you redeem. 

Please allow up to 7 to 10 business days after redemp-
tion 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 
bmoharris.com and clicking View and Redeem from the 
Account Details screen. 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. 

Rev. 07/21

8

BMO Harris RewardsSM Program Rules(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .10

Notes

9

Credit Cards(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .11

Questions?

Online
Log in at bmoharris.com then click "View and 
Redeem" from your Account details screen. 
Online access is available 24 hours a day, 
7 days a week to view your available
balance or make a redemption.

Phone
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. 

10

BMO Harris RewardsSM Program Rules(June 22, 2021 / 09:06:08)
121264-1_BMO-50360072_RewardProgramRules.pdf  .12

Talk with us 
1-800-610-8987

Learn more 
bmoharrisrewards.com

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.

© 2021 BMO Financial Group. 

1
2
6
0
-
1
-
0
5
6
W
-
3
0
F

7
7
1
0
-
1
2
/
7
0

50360072