REV (06/2022)  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  
Annual  
Percentage Rate (APR) for Purchases 0.00% introductory APR for 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. 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 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 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 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 16.99%, 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 Prime Rate. 
Paying  Interest  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 $0 or $79 after the first year of account  opening  or 
$175  after the first year of account  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 cash advance, whichever is greater 
� None or 3% of each transaction in U.S. dollars 
Penalty  Fees  
� Late Payment 
� Returned  Payment   
� Up to $39 
� Up to $39  REV (06/2022)  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  
 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 06/30/2022) 0.03490% to 0.06298% 
 
(corresponding APR of 
12.74% to 22.99%) 0.03490% to 0.06298% 
 
(corresponding APR of 
12.74% to 22.99%) 0.06846% or 0.07668% 
 
(corresponding APR of 24.99% or 27.99%) 
 
Minimum Payment Due: Refer to your Agreement for how we calculate your Minimum Payment Due.