Summary  of Credit  Terms  for BMO  Harris  Premier  Services  Premium  Rewards  Master card� 
 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases  11.99 %, 13.99 %, 15.99 % or 17.99 % based  on your 
creditworthiness. This APR will vary with the market  based  on the Prime  Rate.  
APR for Balance Transfers  0% introductory APR for 12 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% , 15.99%  or 17.99%  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  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  $79, after the first year from 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  
Penalty Fees  
 
� Late Payment  
 
� Returned Payment   
 
� 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 e ach 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 unles s we get a copy of the agreement, statement or decree before we grant you credit. You agree that any credit granted will be u sed 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 c ivil 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, fee s 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 id entifies each person who opens an 
account. What this means for you: When you open an account, we will ask for you r 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.  
 
BMO Harris Premie r Service s represent s a combine d servic e approac h of BMO Harris Financia l Advisor s and BMO Harris Bank, each a part of the BMO Financia l Group . BMO Harris� is a trade name 
used by BMO Harris Bank N.A. and its affiliates.  
BMO Harris Premie r Service s include s banking , deposi t and loan product s and service s provide d by BMO Harris Bank N.A. Bankin g product s and service s are subjec t to bank and credit approval .  
BMO Harris Bank� is a trade name used by BMO Harris Bank N.A. Membe r FDIC. BMO Harris Bank does not provid e legal or tax advice.  
Securities , investmen t advisor y service s and insuranc e product s are offere d throug h BMO Harris Financia l Advisors , Inc. Membe r FINRA/SIPC . SEC-registere d investmen t adviser . BMO Harris Financia l 
Advisors , Inc. and BMO Harris Bank N.A. are affiliate d companies . Securitie s and insuranc e product s offere d are: NOT FDIC INSURE D�NOT BANK GUARANTEE D�NOT A DEPOSI T�MAY LOSE VALUE.  
Master card� is a registered  trademark  of Master card International  Incorporated.   
� 2021  BMO Financial  Corporation.  All Rights  Reserved.  (04/01/21)         bmoharris.com