Summary of Credit Terms for BMO Harris Bank  Premium  Rewards  Mastercard® 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 

APR for Balance Transfers 

13.99%, 15.99%, 18.99% or 21.99% based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
0% introductory APR for 12 months from date of first transfer when transfers are 
completed within 90 days from date of account opening. 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases  

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

After that, your APR will be 13.99%, 15.99%, 18.99% or 21.99% based on your 
credit worthiness. This APR will vary with the market based on the Prime Rate. 
24.24%  
This APR will vary with the market based on the Prime Rate. 

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. 

Fees 

Annual Fee 

Transaction Fees 

• Balance Transfer 

• Cash Advance 

$79, after the first year from account opening. 

• 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. 

• Foreign Transaction 

• 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 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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