BMO Harris Bank® Consumer
Credit Cards
Rewards MasterCard
R
BMO Harris
Rewards
SM
Program Rules
BMO Harris Rewards
Program Rules
BMO Harris Bank Platinum Rewards MasterCard
BMO Harris Bank Premium Rewards MasterCard
BMO Harris Premier Services Premium Rewards
MasterCard
BMO Wealth Management Premium Rewards
MasterCard®
These Rules govern Cardholders' participation in
the BMO Harris Rewards Program ("Program").
This Program allows Cardholders to earn points
that may be redeemed for various awards.
"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" only means the primary account-
holder for purposes of these Rules. "Cardholder" does
not include the Co-Borrower, secondary cardholder or
Authorizer User(s). For purposes of these Rules, we
may refer to the Bank as "we", "us" and "our" and the
Cardholder as "you" and "your." Eligible cards include a
BMO Harris Bank Platinum Rewards MasterCard, a BMO
Harris Bank Premium Rewards MasterCard, a BMO Harris
Premier Services Premium Rewards MasterCard, or a
BMO Wealth Management Premium Rewards MasterCard
(each a "Rewards Card") issued for personal and not
business use. Points earned under the Program will
be credited to the Account of the Cardholder. Only the
Cardholder is permitted to authorize redemptions under
the Program. Co-Borrowers, secondary cardholders, and
Authorized Users are not parties to these Rules, and
are not entitled to benefits of the Program including
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making redemptions. 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/
rewardsconsumerpoints.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. Fulfillment
of all awards is handled by Third Party Service Providers.
These Rules and Account transactions are also subject
to other agreements you may have with us, including
Cardholder Agreements and other agreements governing
the Account(s) referenced in the Cardholder Agreements
(each a "Governing Agreement"). The Cardholder
Agreement will govern in the event of any inconsistency
between the Governing Agreements and these Rules.
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 award offers at
bmoharrisrewards.com for specific terms and conditions
applicable to each award.
General
1. We offer the Program at our sole discretion. We
reserve the right to change these Rules and
awards 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 points or change the redemption value
of points or availability of awards. We may reverse
any points awarded to you in error, regardless of
cause, and such a reversal may cause you to have
negative points. If your Account is closed with
a negative points balance, we may charge your
Account for the value of those points. 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
BMO Harris Rewards Program Rules
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to forfeit your points without notice in the event
of fraud or abuse of the Program privileges, your
violation of the Rules, or patterns suggesting
improper use of the Program.
3. We reserve the right to suspend your participation
in the Program, which may include the accrual of
additional points and the redemption of points for
an award, if your Account is not in good standing.
Upon bringing your Account into good standing, your
participation in the Program will be reinstituted, but
points previously forfeited or eliminated will not
be reinstated.
4. The Bank, our affiliates or Third Party Service
Providers may monitor and record your telephone
calls regarding the Program. You agree that the
Bank, our affiliates or Third Party Service Providers
may from time to time make calls and send text
messages to you using pre-recorded/artificial voice
messages and/or through the use of an automatic
dialing device at any telephone number associated
with the Account, including mobile telephone
numbers that could result in charges to you. You also
expressly agree that we may send e-mail messages
regarding the Program to any e-mail address you
provide to the Bank, our affiliates or Third Party
Service Providers.
5. You are responsible for any tax liability related to
participation in the Program or as a result of points
earned or redeemed.
6. You may be responsible for payment of any
departure taxes, customs fees, checked baggage
fees, excess baggage charges, security taxes,
passenger facility charges, air segment taxes or
any other charges assessed by governmental
entities or carriers as a result of travel redeemed
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from this Program, as well as any shipping, courier,
fulfillment or certificate fees associated with awards
under the Program.
7. The Program is void where prohibited by law.
8. We are not responsible for administering the Program
or providing services under the Program. We are not
responsible for errors or omissions in any Program
document. We are not liable to you or any recipient
of services or awards arising from, or related to, the
services or rewards issued under the Program.
9. You and any recipient of services or awards received
through the Program hold us, our affiliates, and Third
Party Service Providers harmless in connection with
any injuries and damages of every kind and nature
arising in connection with or as a result of claiming
and redeeming points and with your receipt of and
use of an award. You waive and release any and all
rights, demands, losses, liabilities, claims and causes
of action whatsoever that you may now or hereafter
be entitled to assert, including, but not limited to,
any death, injury, loss of enjoyment or other harm or
loss of any nature whatsoever caused by, contributed
to, or arising out of your participation in the Program.
You further agree to hold us, our affiliates and Third
Party Service Providers harmless if an award vendor
or provider files bankruptcy, or otherwise goes out of
business, after you have redeemed your points for an
award from the vendor or provider but before you are
able to receive or use the award.
10. Capitalized terms used and not defined herein have
the definitions provided in the Governing Agreement.
11. We reserve the right to interpret Rules and Program
policies and will be the final authority on point
credits and award qualifications.
BMO Harris Rewards Program Rules
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Earning Points
1. Base Earn: You will earn one (1) base point 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 a BMO Harris Bank Platinum
Rewards MasterCard, BMO Harris Bank Premium
Rewards MasterCard, BMO Harris Premier Services
Premium Rewards MasterCard, or a BMO Wealth
Management Premium Rewards MasterCard. There
is no cap on the amount of base points that can
be earned.
2. Bonus Earn:
Category Bonus Earn:
i. BMO Harris Bank Platinum Rewards MasterCard:
You will earn an additional one (1) bonus point
for every one United States dollar ($1.00) in
eligible gas and/or grocery purchases (bonus
earn category eligible gas and grocery purchases
include transactions coded by the merchant
with Merchant Category Code ("MCC") 5411,
Summary of Bonus and Earn Rates
Product Name*
Base Earn
Rate
BMO Harris Bank
1 point per $1
Platinum Rewards MasterCard
BMO Harris Bank
1 point per $1
Premium Rewards MasterCard
BMO Harris Premier Services
1 point per $1
Premium Rewards MasterCard
BMO Wealth Management
1 point per $1
Premium Rewards MasterCard
*Products that are eligible for Product Change may have special rules related
to earn rates and some bonuses may not apply See Earning Points, Section 13
for more information.
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5451, 5462, 5499, 5541, 5542 or 5983), rounded
to the nearest whole dollar. 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.
ii. BMO Harris Bank Premium Rewards MasterCard
and BMO Harris Premier Services Premium
Rewards MasterCard: You will earn two (2)
bonus points for every one United States
dollar ($1.00) in eligible dining, airfare and/or
hotel purchases (bonus earn category eligible
dining, airfare and/or hotel purchases include
transactions coded by the merchant with MCC
3000 - 3299, 3501 - 3999, 4511, 5812, 5813,
5814 or 7011), rounded to the nearest whole
dollar (i.e., a $150.49 dining purchase would
be multiplied by 2 then rounded to determine
how many bonus points you can earn). Bonus
points are only earned on the first $2,500 of net
eligible dining, airfare and/or hotel purchases
Bonus Earn
Bonus Earn
Overall Earn
Anniversary
Categories
Rates
on Bonus
Bonus
Categories
Gas and Grocery
1 point per $1
2 points per $1
10%
Dining, Airfare,
2 points per $1
3 points per $1
15%
and Hotel
Dining, Airfare,
2 points per $1
3 points per $1
15%
and Hotel
Dining, Airfare,
2 points per $1
3 points per $1
20%
and Hotel
BMO Harris Rewards Program Rules
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within a calendar quarter. After the $2,500 cap
is met within a calendar quarter, you will
continue to earn at the base rate in those
categories until the next calendar quarter begins
and the cap is reset.
iii. BMO Harris Bank Wealth Management Premium
Rewards MasterCard: You will earn two (2)
bonus points for every one United States
dollar ($1.00) in eligible dining, airfare and/or
hotel purchases (bonus earn category eligible
dining, airfare and/or hotel purchases include
transactions coded by the merchant with MCC
3000 - 3299, 3501 - 3999, 4511, 5812, 5813,
5814 or 7011), rounded to the nearest whole
dollar (i.e., a $150.49 dining purchase would be
multiplied by 2 then rounded to determine how
many bonus points you can earn). There is no
cap on the amount of bonus points earned.
Anniversary Bonus Earn:
i. BMO Harris Bank Platinum Rewards MasterCard:
You will earn an Anniversary bonus equal
to ten percent (10%) of total net purchases
made in the calendar year since the Account's
Anniversary date.
ii. BMO Harris Bank Premium Rewards MasterCard
and BMO Harris Premier Services Premium
Rewards MasterCard: You will earn an
Anniversary bonus equal to fifteen percent (15%)
of total net purchases made in the calendar year
since the Account's Anniversary date.
iii. BMO Harris Wealth Management Premium
Rewards MasterCard: You will earn an Anniversary
bonus equal to twenty percent (20%) of the total
net purchases made in the calendar year since
the Account's Anniversary date.
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iv. Your Account must be in good standing at the
time the Anniversary bonus is calculated in order
to earn the Anniversary bonus. The Anniversary
bonus will be applied to the Account 4 - 6 weeks
after your Anniversary date. For purposes of these
Rules, your "Anniversary" is the date that is twelve
months after the Account's enrollment date, and
the same date each twelve months thereafter.
3. 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. Accounts are eligible for point
accrual upon account opening.
4. All credits and/or returns will result in a debit of the
same amount of points that were originally earned.
5. Negative points will post if your returns or credits
exceed your purchases for the monthly billing period.
6. Transactions that are not eligible purchases for
purposes of point calculation include but are not
limited to: cash advances, balance transfers, cash
advances designated as purchases, traveler's checks,
money orders, and purchases of foreign currency,
convenience checks, wire transfers, ATM withdrawals
and insurance charges. Fees and card-related
charges posted to an Account, including late fees,
over-limit fees, annual fees and interest charges as
contained in the applicable Governing Agreement
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 and any unauthorized
charges or transactions.
BMO Harris Rewards Program Rules
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7.
If the Account is closed for any reason (other than
fraud or other security concerns), including inactivity
or non-renewal, the Account will no longer be able to
accrue points and all accrued points not claimed and
redeemed for that Account will be forfeited.
8. Points for eligible purchases made to a Rewards
Card held by a Co-Borrower, secondary cardholder,
Authorized User or any other individual other than
you will be credited to your Account.
9. Rewards Card points are calculated by transaction.
Transactions and their projected earnings are
viewable under the Earnings section of Account
Activity at bmoharrisrewards.com daily. Rewards Card
points earned during a billing cycle are not available
for redemption until they are posted on your monthly
billing statement and transferred to your available
points balance. Your available points balance will
display on bmoharrisrewards.com. Your available
points balance is also available by calling the BMO
Harris Rewards Redemption Center ("Redemption
Center") at 1-800-610-8987. 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. If you have more than one type of Rewards Card
specifically addressed by these Rules (refer to
the beginning of these Program Rules for a list of
applicable Rewards Cards), points earned on each
such Rewards Card may be combined into one point
balance, upon request. Points earned on other BMO
Harris Bank rewards credit cards not addressed by
these Rules cannot be combined with points earned
from a Rewards Card. If you are the Cardholder
of more than one Rewards Card covered by these
Program Rules, you may call the Redemption Center
to have your points pooled. As long as at least one
Account in the pooling is in good standing, you may
continue to earn and redeem pooled points.
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11. There is no expiration on points earned on Rewards
Cards.
12. Points and rewards are not considered your property
and cannot be transferred to any other Account,
person or entity.
13. A request to change your current card type ("Current
Card") to a different card type ("Product Change
Card") without opening a new Account is a Product
Change request. Product Change requests are
subject to the terms and conditions provided with
a Product Change request as well as any applicable
Governing Agreements.
Transferring Points:
i.
If both your Current Card and your Product Change
Card are Rewards Cards that earn points (not Cash
Back), the available points on your Current Card
will transfer to your Product Change Card at a 1:1
rate.
ii.
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.
iii. 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 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.
iv. If your Current Card earns points or cash back and
your Product Change Card does not earn points or
BMO Harris Rewards Program Rules
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cash back, you will have 90 days after the date of
Product Change to redeem any available points or
cash back on your account.
V.
Any transferred rewards balances are subject to
these Rules. If you request a Product Change,
you may experience a temporary delay in access-
ing your available points while we process your
request.
Earning Points:
i. The base and bonus earn rates for your Product
Change Card will begin with transactions that post
after the date of Product Change.
Bonus Points:
i. Any Anniversary bonus will be calculated based
upon the Rules that apply to the product that you
are in at the time of Anniversary calculation.
ii. 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.
iii. Unless otherwise specified, a Product Change Card
is not eligible for an Introductory Bonus of points.
Redeeming Points
1. Points may be redeemed for a variety of awards,
as indicated in the catalog ("Catalog") on the
Program website, including airline tickets, vacation
packages, cruises, hotel reservations, merchandise,
gift cards, digital awards, and statement credits. For
a complete listing of all possible awards available
for redemption, in addition to their current value,
terms and conditions, the full Catalog is available at
bmoharrisrewards.com. All awards are subject to
the terms and conditions of the applicable merchant
or manufacturer.
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2. For your available point balance, to view the
Catalog and pricing, or to make a redemption, visit
bmoharrisrewards.com or call the Redemption
Center at 1-800-610-8987. Redemption Center hours
of operation are from 8 a.m. to 8 p.m. Central Time,
seven (7) days a week, excluding federal holidays.
You must contact the Redemption Center to return
an award or check on the status of a redemption at
this time.
3. Points earned during a billing cycle are not eligible
for redemption until they are posted on your monthly
billing statement and transferred to your available
points balance. The available points balance can be
viewed on bmoharrisrewards.com once you have
authenticated or logged in.
4. Only you may redeem points. Any individual other
than the Cardholder of the Account is not permitted
to redeem points, including a Co-Borrower, secondary
cardholder or Authorized User. But awards, including
airline tickets, may be issued in the name of another
person designated by you.
5. Points may not be used with any other discount or
coupon offer. Points may not be used as payment
for any obligation owed to us, unless otherwise
permitted in special promotional offers. No cash
refunds will be issued on redemption of points.
6. Unless otherwise specified, all awards are sent to
your statement mailing address postage prepaid.
7. All awards are subject to availability and fulfillment
fees, if and when they are applicable. Awards may
be discontinued or withdrawn without notice. The
redemption value of awards may be changed at any
time without notice. If you are denied any kind of
benefit of the Program to which you are entitled,
our liability shall be limited to your earned portion
of the benefit.
BMO Harris Rewards Program Rules
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8. Neither us, our affiliates, nor Third Party Service
Providers are responsible for lost, stolen, or damaged
correspondence or documents.
9. You have sole responsibility for any charges over
and above the stated value of the retail gift cards,
e-certificates, merchandise, digital awards, hotel
reservations, cruises, vacation packages or airline
tickets. Any additional charges will be charged to
the BMO Harris Bank credit card you designate,
subject to any applicable Account restrictions (such
as credit limits).
10. Points have no cash value.
Awards
Airline Tickets
1. You may redeem points for a scheduled ticket on
a major airline carrier, providing that the fares,
schedules, and ability to generate an electronic
ticket are possible through the BMO Harris Rewards
program, by visiting the bmoharrisrewards.com
website or calling the Redemption Center.
2. Reservations for tickets exclude the use of charters,
wholesalers and consolidators, as well as any
fares that are not published, available through the
BMO Harris Rewards program, and/or available for
ticketing through a certified travel agency.
3. Participating air carriers are subject to change.
4. You may elect not to use points for the full fare
amount of the airline ticket.
5. Reservation and ticketing must be completed at time
of redemption.
6. Tickets may be purchased in any individual's name.
The names of all passengers must match their
government-issued ID and most airlines do not
allow changes to passenger names once a ticket
has been issued.
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7. Airline ticket awards may not be used in conjunction
with any type of coupons, vouchers, Internet fares or
companion fares.
8. All taxes and the September 11th Security Fee are
included in the stated fare.
9. Any applicable baggage fees or any additional
charges by the airlines, such as incidentals, are the
responsibility of the passenger.
10. All travel itineraries and supporting documentation
will be sent via email and may be accessed through
bmoharrisrewards.com
11. Airline tickets are non-refundable and non-
changeable unless permitted by the terms of the
fare. If changes to an itinerary are later necessary,
you may contact the Redemption Center with your
request up to 5 days prior to the travel date. Changes
may incur additional costs such as airline penalty
fees, increased fares, and service fees that will be
applied to your BMO Harris Bank credit card. In the
instance that a refund is due, it will be processed
within 4 to 6 weeks and will post in the manner in
which redemption was made (i.e., if reservation was
made with all points, it will be refunded in points; if
the reservation was charged to your BMO Harris Bank
credit card, it will be refunded back to your BMO
Harris Bank credit card).
12. The Bank, our affiliates and Third Party Service
Providers are not responsible for any lost or
damaged luggage.
13. The Bank and Third Party Service Providers are
not responsible for communication of airline
schedule changes. Flight reservations should be
re-confirmed directly with the airline at least 72
hours prior to departure.
14. The traveler is responsible for obtaining the
appropriate international travel documentation, such
BMO Harris Rewards Program Rules
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as passports and visas. Visit www.travel.state.gov
for passport and visa requirements. The Redemption
Center assumes no responsibility for advising guests
of proper travel documentation. The traveler should
have valid government-issued photo ID upon airport
check-in.
15. Travel awards are forfeited for individuals who are
no-shows.
16. Neither us, our affiliates nor Third Party Service
Providers are responsible for airline performance. All
reservations are subject to the conditions of carriage,
supply or business of the service provider, which
include exclusions and limitations of liability.
17. Airline policies are subject to change at any time
without notice.
Hotel Bookings
1. You may redeem points for reservations at thousands
of hotels worldwide.
2. Participating hotels are subject to change.
3. You must meet the eligibility requirements, such as
a minimum age restriction, established by the hotel
provider. Hotel policies are subject to change at any
time without notice.
4. Hotel reservations cannot be reversed unless
permitted by the terms of the reservation and are
subject to the specific hotel/rate cancellation policy.
If changes or cancellation to a hotel reservation is
necessary, you may contact the Redemption Center
with your request up to 5 days prior to your travel
date. Changes or cancellation may incur additional
expenses, including but not limited to increased
rates, penalty fees and/or service fees that will
be applied to your BMO Harris Bank credit card.
If a refund is due, it will be processed within 4
to 6 weeks and will post in the manner in which
payment was made (i.e., if reservation was made
with all points, it will be refunded in points; if the
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reservation was charged to your BMO Harris Bank
credit card, it will be refunded back to your BMO
Harris Bank credit card).
5. Hotels do not allow changes to dates, names,
room type, and number of occupants once booking
is complete.
6. You may elect not to use points for the full fare
amount of the hotel reservation.
7. The traveler is responsible for obtaining the
appropriate international travel documentation, such
as passports and visas. The traveler should have a
valid government-issued photo ID upon check-in that
matches the name on the reservation and will be
required to present a credit card for the incidental
expenses such as parking or room service.
8. Restrictions may apply to hotel frequent guest
programs.
9. Neither us, our affiliates nor Third Party Service
Providers are responsible for the performance of any
hotel provider.
Merchandise
1. All merchandise award orders are subject to product
availability.
2. Merchandise awards include applicable sales tax
and shipping and handling (via first-class mail,
ground delivery or motor freight service within
the continental U.S.). Shipments outside of the
continental U.S. may require additional shipping and
handling fees.
3. Merchandise will be shipped to your statement
mailing address unless you specify otherwise at the
time your redemption is made. Shipments cannot be
made to a post office box.
4. For security reasons, parcel or motor freight couriers
may contact you to arrange delivery of merchandise.
It is your responsibility to respond to the courier in
BMO Harris Rewards Program Rules
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a timely and reasonable manner to facilitate the
delivery process. Additional shipping and handling
fees for merchandise returned to vendor due to
your failure to make delivery arrangements will be
your responsibility.
5. In-stock merchandise shown in the Catalog will
ordinarily be delivered within 4 to 6 weeks.
6. When provided, manufacturer warranty information
is included with the product at the time of shipment.
You can also visit the manufacturer's website to view
available warranty information.
7.
Merchandise shown in the Catalog carries a 100%
satisfaction guarantee against workmanship defect
or shipping damage for 30 days from receipt of your
order. This does not apply to perishable items.
8. If your package appears to be damaged upon
arrival, you should refuse the package if possible.
If it is not possible to refuse the package, contact
the Redemption Center at 1-800-610-8987 within 24
hours of receipt. Do not attempt to return an item or
shipment without first contacting the Redemption
Center at 1-800-610-8987.
9. Damaged merchandise is not returnable if
notification is delayed beyond thirty (30) days.
10. Merchandise will be replaced once the damaged
merchandise has been received from you.
11. For some products, the manufacturer does not
allow returns but provides warranty service. In such
a situation, you may receive instruction on how
to obtain warranty service rather than a complete
award replacement.
12. We reserve the right to alter or substitute any or all
merchandise awards (or change point value) at any
time without prior notification.
13. You may return the substitute award to US at our
expense if it is unacceptable, and we will notify you
that your points, if deducted, have been restored.
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14. We reserve the right to refuse to exchange
merchandise or refund points if an item is returned
without adhering to this return policy.
Gift Cards/e-Certificates
1. These awards may not be combined with any other
promotional offers.
2. Gift cards and e-certificates are valid at participating
merchants only through the expiration date (when
applicable) printed on the gift card or e-certificate.
3. Gift cards and e-certificates must be submitted to the
merchant upon use.
4. Fulfillment of gift cards and e-certificates is the sole
responsibility of the specific participating merchant.
5. Gift cards and e-certificates will be subject to the gift
card or e-certificate suppliers' terms and conditions
and will have no value except when used in
accordance with those terms and conditions.
6. Gift cards and e-certificates will not be honored
retroactively in connection with any prior purchases,
nor can they be used as payment on existing Account
balances with either the participating merchant or US.
Gift cards and e-certificates have no cash value, nor
may they be redeemed for cash or its equivalent. Any
unused portion of a gift card will not be returned to
you or other recipient of the gift card or e-certificate
in cash unless otherwise so stated on the gift
card or e-certificate or in the terms and conditions
accompanying the gift card or e-certificate.
7. Gift cards are not refundable or exchangeable, and
they are not replaceable after issuance in the event
of loss or destruction, unless otherwise stated on
the gift card or e-certificate or in the terms and
conditions accompanying the gift card or e-certificate.
8. E-certificates are not refundable and will not be
replaced if lost or stolen. All redemptions are final.
BMO Harris Rewards Program Rules
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Once an order is placed you cannot cancel or request
a return. The e-certificate will be sent to the e-mail
address supplied during Redemption.
9. Retail gift cards will be shipped according to value,
with the exception of BMO Harris Bank Gift Cards.
Retail gift cards valued under $250 will be sent by
U.S. postal service and those valued at $250 or more
will be shipped by courier. BMO Harris Bank Gift Cards
will be shipped first class by the U.S. postal service,
regardless of dollar amount.
10. These awards are void where prohibited by law.
11. Federal, state and local taxes on gift card or
e-certificate purchases are your sole responsibility
unless otherwise stated on the gift card or
e-certificate or in the terms and conditions
accompanying the gift card or e-certificate.
12. Neither us, our affiliates, nor Third Party Service
Providers are responsible for any merchant
performance or performance of goods or services
purchased with the gift card or e-certificate or
for failure of any merchant to perform due to
bankruptcy, insolvency or any other reason.
Digital Awards
Digital awards are not refundable and will not be
replaced if lost or stolen. All redemptions are final. Once
an order is placed, you cannot cancel or request a return.
A valid e-mail address is required to redeem this award
and you must enter your e-mail address during checkout.
Once your order is processed, your e-mail address cannot
be altered for purposes of receiving your digital award.
Cruises
1.
You may redeem points towards cruise passage on
any major cruise line.
2. All cruise redemption requests must be made at
least 30 days prior to sailing or you may incur
additional fees.
19
Credit Cards
3. Cruise packages may only be booked through the
Redemption Center at 1-800-610-8987.
4. You may elect not to use points for the full fare
amount of the cruise package.
5. You must meet the eligibility requirements
established by the cruise provider.
6. Once cruise booking is confirmed, no interim price
reductions will be considered or offered.
7. All cruise awards are non-refundable.
8. Changes may be made up to 90 days prior to sailing
(120 days for holiday and special event cruises) for a
$100.00 service fee (subject to change), plus any fees
imposed by the cruise line. Changes under 90 days
(120 days for holiday and special event cruises) may
result in forfeiture of the award, or additional fees
may apply.
9. Travel awards are forfeited for individuals who are
no-shows.
10. Cruise awards may not be used in conjunction with
any type of coupons, vouchers or group rates.
11. All reservations are subject to the conditions of
carriage, supply or business of the service provider,
which include exclusions and limitations of liability.
12. Proper travel documentation is required at
embarkation and throughout the cruise. Even
though a traveler has registered online, it is still the
responsibility of the traveler to present the required
travel documents at the time of embarkation.
Traveler should check with www.travel.state.gov to
determine the travel documents necessary for each
port of call. Any guest without proper documents will
not be allowed to board the vessel and no refund of
the cruise fare will be issued. The Redemption Center
assumes no responsibility for advising guests of
proper travel documentation.
13. Neither us, our affiliates nor Third Party Service
Providers are responsible for the performance of the
cruise line.
BMO Harris Rewards Program Rules
20
Vacation Packages
1. You may redeem points towards any vacation
package offered by any major tour company.
2. All vacation redemption requests must be made
at least 30 days prior to travel date or you may
incur additional fees. You must meet the eligibility
requirements established by the travel provider.
3. Vacation packages may only be booked by calling the
Redemption Center at 1-800-610-8987.
4. Once the vacation package booking is confirmed, no
interim price reductions will be considered or offered.
5. Changes may be made up to 90 days prior to travel
(120 days for holiday and special events) for a
$100.00 service fee (subject to change), plus any
fees imposed by the hotel, airline, tour operator
or any vendor providing service for your vacation.
Changes under 90 days (120 days for holiday and
special events) may result in forfeiture of the award,
or additional fees may apply.
6. Travel awards are forfeited for individuals who are
no-shows.
7.
Vacation packages may not be used in conjunction
with any type of coupons, vouchers or group rates.
8. All reservations are subject to the conditions of
carriage, supply or business of the service provider,
which include exclusions and limitations of liability.
9.
Proper travel documentation is required throughout
the tour. Even though a traveler has registered
online, it is still the responsibility of the traveler to
present the required travel documents at the time of
departure. The traveler is responsible for obtaining
the appropriate international travel documentation,
such as passports and visas. Visit travel.state.gov for
passport and visa requirements. The Redemption
Center assumes no responsibility for advising guests
of proper travel documentation.
21
Credit Cards
10. Neither us, our affiliates nor Third Party Service
Providers are responsible for the performance of the
travel provider, tour operator or any service vendor.
Statement Credits
You may redeem points for a statement credit that may
be applied to the Account that earned the points. 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. Please allow up to
7 to 10 business days after redemption 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 bmoharrisrewards.com.
Rev. 01/17
Questions?
bmoharrisrewards.com
Log in at bmoharrisrewards.com 24
hours a day, 7 days a week to view your
available points balance or make
a redemption.
1-800-610-8987
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.
BMO Harris Rewards Program Rules
22
Talk with US
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1-800-610-8987
Learn more
bmoharrisrewards.com
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