REV (12/ 2021) 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 R ewards c redit c ards 
Interest Rates and  
Interest Charges Platinum  Platinum Rewards, Cash 
Back, Premium Rewards, 
Premier Services Premium 
Rewards, Wealth 
Management Premium 
Rewards  
Annual 
Percentage Rate 
(APR) for 
Purchases 0.00% introductory APR for fifteen 
months from account opening d ate. 
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. 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.  
APR for 
Balance 
Transfer 0.00% introductory APR for fifteen 
months from date of firs t transfer 
when transfers are completed 
withi
n 90 days from date of account 
opening.  
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 
months
 from date of firs t 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. 
APR for Cash 
Advances Prime Rate plus 20.99% or Prime Rate plus 23.99%. This 
APR will vary with the market based on the Prim e Rate.  
Paying Interest Your due date is at leas t 21 days after the close of each billing c ycle. 
We will not charge y ou any interest on purc hases if you pay your  entire 
balance b y the d ue date each month. We will begin charging i nterest 
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 Prot ection 
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  $0 or $79 after the first year  of account opening or 
$175 after the first year of ac count opening 
Transaction Fees 
�Balance Transfer
�Cash Advance
�Foreign Transaction�Either $10 or 4% of the amount of each balance transfer, whichever is  
greater
�Either $10 or 5% of the amount of each cas h advance, whichever is  
greater
�None or 3% of eac h transaction in U.S. dollars
Penalty Fees 
�Late Payment
�Returned Payment�Up to $39
�Up to $39 REV (12/ 2021) How We Will Calculate Your Balance: We use a method called �average daily balance 
(including new transactions).� S ee your Agreement for more details. 
Loss of Introductory APR: We may end y our introductory APR and apply the standard APR if you make 
a late payment. 
Penalty Fees: A s ingle 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 P ayment and Returned Paym ent fees will not exceed the related Minimum Payment Due. 
Billing Right s: 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 lim its on cash withdr awals. Please contact Customer Service at the pr ovided phone 
number with any questions  regarding your Cash Lim it and Cash Advances. 
Promotional/Introductory Rat es and Your Grace P eriod: If you take advantage of an offer 
with an introductory or promotional AP R, we will charge you interest on new Purc hases, unless your new 
Purchases have a 0% APR, or you pay your A ccount balance, including any Balance Trans fers 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 18.99%  8.74% to 18.99%  20.99% or 23.99%  
Periodic 
Rate (as of 
04/01/2021) 0.03284% to 0.06093% 
(corresponding APR of 
11.99% to 22.24%) 0.03284% to 0.06093% 
(corresponding APR of 
11.99% to 22.24%) 0.06641% or 0.07463% 
(corresponding APR of 
24.24% or 27.24%) 
Minimum Payment  Due: Refer to your Agreement for how we calculate your Minimum  Paym ent Due.