Interest Rates and 
Interest Charges

Annual Percentage 
Rate (APR) for 
Purchases

Summary of Credit Terms

BMO Harris Bank Select World MasterCard®

BMO Harris Bank Premier World MasterCard®

14.74% or 16.74% 
based on your creditworthiness. 

11.74% or 13.74% 
based on your creditworthiness. 

This APR will vary with the market based 
on the Prime Rate. 

This APR will vary with the market based 
on the Prime Rate. 

APR for Balance 
Transfers

14.74%  
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

22.74%  
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying  
Interest on Purchases

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 posting date.

Minimum Interest 
Charge

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

If you are charged interest, the charge will be no less than $0.50.

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

BMO Harris Bank Select World MasterCard

BMO Harris Bank Premier World MasterCard

Annual Fee

$75

$250

Transaction Fees
• Balance Transfer

• Cash Advance

•  Either $10 or 3% of the amount of each
balance transfer, whichever is greater.

•  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.

•  Either $10 or 3% of the amount of each cash
advance, whichever is greater.

• Foreign Transaction

• 2% of each transaction in U.S. dollars.

• None

Penalty Fees 
• Late Payment

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
BMO Harris Bank N.A. is the issuer of BMO Harris Bank 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 deposit and loan products are provided by BMO Harris Bank N.A. Member FDIC, and are subject to bank/credit approval.  
© 2017 BMO Harris Bank N.A. All Rights Reserved. 

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