Summary of Credit Terms 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

APR for Balance Transfers 

BMO Harris Bank Platinum Mastercard® 
0% introductory APR for six months from account opening date. After that, your APR 
will be 11.99%, 13.99%, 16.99% or 18.99% based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

0% introductory APR for 15 months from date of first transfer when transfers are 
completed within 90 days from date of account opening. After that, your APR will be 
11.99%, 13.99%, 16.99% or 18.99% based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 

APR for Cash Advances 

24.24% This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on 
Purchases  

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 

Annual Fee 
Transaction Fees 
• Balance Transfer 
• Cash Advance 
• Foreign Transaction 

Penalty Fees 
• Late Payment 
• Returned Payment 

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. 
If you are charged interest, the charge will be no less than $1.00. 

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. 

None 

• 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. 
• 3% of each transaction in U.S. dollars. 

• Up to $39 
• Up to $39 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”  See 
your Credit Card Cardholder 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. 

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. 
BMO Harris Bank N.A. is the issuer of BMO Harris credit cards. 

NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court decree adversely affects our 
rights unless we get a copy of the agreement, statement or decree before we grant you credit. You agree that any credit granted will be used in the interest 
of your marriage or family. State law may require us to give notice of this credit card account to your spouse. 
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that 
credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance 
with this law. 
NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free 
information on comparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or 
http://www.dfs.ny.gov. 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and 
money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an 
account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to 
identify you. We may also ask to see your driver’s license or other identifying documents. 

Mastercard®  is a registered trademark of Mastercard International Incorporated. Banking products and services are provided by BMO Harris Bank N.A. and 
are subject to bank and credit approval. Member FDIC. © 2021 BMO Harris Bank N.A. All Rights Reserved. (04/01/21) 

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