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 
Annual Percentage Rate 
(APR)  
for Purchases 

0.00% introductory APR on Purchases for six months from account 
opening date.  
After that, your APR will be Prime Rate plus 8.74% to 
Prime Rate plus 18.74%, based on credit your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

APR for Balance 
Transfers 

APR for Cash Advances  

Paying Interest 

0.00% introductory APR on Balance Transfers 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 
18.74%, based on credit your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
Prime Rate plus 20.99%. 
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. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau 

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. 

Fees 
Annual Fee 

Transaction Fees 
• Balance Transfer 

• Cash Advance 

• Foreign Transaction 

Penalty Fees 
• Late Payment 

• Returned Payment 

$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 
• Either $10 or 3% of the amount of each cash 
advance, whichever is greater 

• None or 3% of each transaction in U.S. dollars 

Up to $37 
Up to $37 

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. 

 
 
 
 
 
 
 
 
 
 
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 

Purchase Rate 

Balance Transfer Rate  Cash Advance Rate 

Margin 

8.74% to 18.74% 

8.74% to 18.74% 

20.99% 

Periodic Rate 
(as of 
3/31/2016) 

0.03353% to 0.06093% 
(corresponding APR of 
12.24% to 22.24%) 

0.03353% to 0.06093% 
(corresponding APR of 
12.24% to 22.24%) 

0.06709% 
(corresponding APR of 24.49%) 

Minimum Payment Due: Refer to your Agreement for how we calculate your Minimum Payment Due.