Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

APR for Balance Transfers

APR for Cash Advances

Summary of Credit Terms

BMO Harris Bank Business 
Platinum MasterCard®
0% introductory APR for nine months 
from account opening date. 

After that, your APR will be (cid:20)(cid:20)(cid:19)(cid:17)7(cid:23)(cid:8),
(cid:20)(cid:24)(cid:17)7(cid:23)(cid:8) or (cid:21)(cid:19)(cid:17)7(cid:23)(cid:8) based on your

creditworthiness. This APR will vary with 
the market based on the Prime Rate.

BMO Harris Bank Business 
Platinum Rewards MasterCard®
0% introductory APR for nine months 
from account opening date. 

After that, your APR will be (cid:20)(cid:21)(cid:17)7(cid:23)(cid:8),
(cid:20)(cid:26)(cid:17)7(cid:23)(cid:8) or (cid:21)(cid:20)(cid:17)7(cid:23)(cid:8) based on your 

creditworthiness. This APR will vary with 
the market based on the Prime Rate.

0% introductory APR for nine months from 
date of first transfer when transfers are 
completed within 90 days from date of 
account opening.
After that, your APR will be (cid:20)(cid:19)(cid:17)7(cid:23)(cid:8), (cid:20)(cid:24)(cid:17)7(cid:23)(cid:8) 
or (cid:21)(cid:19)(cid:17)7(cid:23)(cid:8) based on your creditworthiness. 
This APR will vary with the market based on 
the Prime Rate.
(cid:21)(cid:23)(cid:17)99(cid:8) 
This APR will vary with the market based 
on Prime Rate.

0% introductory APR for nine months from 
date of first transfer when transfers are 
completed within 90 days from date of 
account opening.
After that, your APR will be (cid:20)(cid:21)(cid:17)7(cid:23)(cid:8), (cid:20)(cid:26)(cid:17)7(cid:23)(cid:8) 
or (cid:21)(cid:20)(cid:17)7(cid:23)(cid:8) based on your creditworthiness. 
This APR will vary with the market based on 
the Prime Rate.
(cid:21)(cid:23)(cid:17)99(cid:8)(cid:3)
This APR will vary with the market based 
on Prime Rate.

Fees

BMO Harris Bank Business 
Platinum MasterCard®

BMO Harris Bank Business 
Platinum Rewards MasterCard®

Annual Fee

Late Payment Fee

Returned Payment Fee

None

$39

$35

Cash Advance Fee

Either $10 or 3% of the amount of each cash advance, whichever is greater.

Balance Transfer Fee

Either $5 or 4% of the amount of each balance transfer, whichever is greater.

Foreign Transaction Fee

2% of the transaction amount in U.S. dollars.

Over Limit Fee

$39

Loss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment.
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.
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.
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. © (cid:21)(cid:19)(cid:20)(cid:26) BMO Harris Bank N.A. All Rights Reserved. (4(cid:18)(cid:20)(cid:26))

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