Credit Cards

BMO Harris Bank®  
Cash Back MasterCard®

BMO Harris 
RewardsSM  
Program Rules

BMO Harris RewardsSM 
Program Rules

BMO Harris Bank Cash Back MasterCard

These Rules govern Cardholders’ participation in 
the BMO Harris Rewards Program (“Program”).  
This Program allows Cardholders to earn cash back 
that may be redeemed for a statement credit.

“Cardholder” means the accountholder of an eligible 
credit card (“Account”) issued by BMO Harris Bank 
N.A. (“Bank”) except that for Accounts with more than 
one borrower, “Cardholder” only means the primary 
accountholder for purposes of these Rules. “Cardholder” 
does not include the Co-Borrower, secondary cardholder 
or Authorized User(s). For purpose of these Rules, we 
may refer to the Bank as “we”, “us” and “our” and the 
Cardholder as “you” and “your.” Eligible card means a 
BMO Harris Bank Cash Back MasterCard (a “Cash Back 
Card”) issued for personal and not business use. Cash 
back earned under the Program will be credited to 
the Account of the Cardholder and can be redeemed 
in the form of a statement credit. Only the Cardholder 
is permitted to authorize redemptions under the 
Program. Co-Borrowers, secondary cardholders, and 
Authorized Users are not parties to these Rules and 
are not entitled to benefits of the Program, including 
making redemptions. By using or accepting an Account, 
you agree to these Rules and any changes, additions 
or deletions to them. Go to bmoharris.com/pdf/credit/
rewardsconsumercash.pdf to view the most recent 
version of the Rules.

We issue and administer all Accounts. We manage the 
Program while third party service providers (“Third Party 
Service Providers”) administer the Program. 

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These Rules and Account transactions are also subject 
to other agreements you may have with us, including 
Cardholder Agreements and other agreements governing 
the Account(s) referenced in the Cardholder Agreements 
(each a “Governing Agreement”). The Cardholder 
Agreement will govern in the event of any inconsistency 
between the Governing Agreements and these Rules.

The following are the general terms and conditions of 
the Program and are subject to change by the Bank 
at any time without notice. See the current cash back 
awards and their specific terms and conditions at  
bmoharrisrewards.com.

General

1.  We offer the Program at our sole discretion. We 
reserve the right to change these Rules and 
awards and any fees associated with the Program 
at any time, for any reason and without notice, or 
may modify, suspend or end the Program, cancel 
outstanding cash back or change the redemption 
value of cash back. We may reverse any cash back 
awarded to you in error, regardless of cause, and 
such a reversal may cause you to have a negative 
cash balance. If your Account is closed with a 
negative cash back balance, we may charge your 
Account for the amount of the cash back balance.  
We assume no liability for any such changes.

2.  We reserve the right to cancel your participation in 
the Program, close your Account and cause you to 
forfeit your cash back balance without notice in the 
event of fraud or abuse of the Program privileges, 
your violation of the Rules, or patterns suggesting 
improper use of the Program.

3.  We reserve the right to suspend your participation 
in the Program, which may include the accrual of 
cash back and the redemption of cash back for a 
statement credit, if your Account is not in good 
standing. Upon bringing your Account into good 

BMO Harris RewardsSM Program Rules

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standing, your participation in the Program will be 
reinstated, but cash back previously forfeited or 
eliminated will not be reinstated.

4.  The Bank, our affiliates or Third Party Service 

Providers may monitor and record your telephone 
calls regarding the Program. You agree that the 
Bank, our affiliates or Third Party Service Providers 
may from time to time make calls and send text 
messages to you using pre-recorded/artificial voice 
messages and/or through the use of an automatic 
dialing device at any telephone number associated 
with the Account, including mobile telephone 
numbers that could result in charges to you. You also 
expressly agree that we may send e-mail messages 
regarding the Program to any e-mail address you 
provide to the Bank, our affiliates or Third Party 
Service Providers.

5.  You are responsible for any tax liability related to 
participation in the Program or as a result of cash 
back earned or redeemed.

6.  The Program is void where prohibited by law.

7.  We are not responsible for administering the 
Program. We are not responsible for errors or 
omissions in any Program document. We are not 
liable to you for cash back issued under the Program.

8.  You agree that neither us, our affiliates, nor Third 
Party Service Providers is liable for claims that 
you may have against us, our affiliates, or Third 
Party Service Providers arising out of or in any way 
relating, directly or indirectly, to participation in the 
Program and its rewards.

9.  Capitalized terms used and not defined herein have 

the definitions provided in the Governing Agreement.

10. We reserve the right to interpret Rules and Program 
policies and will be the final authority on cash  
back qualifications.

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Earning Cash Back

1.  Base Earn: You will earn one base percent (1%) cash 
back for every one United States dollar ($1.00) in 
eligible purchases rounded to the nearest whole 
dollar (i.e., a $5.49 purchase would round down to 
$5.00 while a $5.50 purchase would round up to 
$6.00 prior to being scored) made on a Cash Back 
Card. There is no cap on the amount of base cash 
back that can be earned.

2.  Category Bonus Earn: You will earn an additional one 
bonus percent (1%) cash back for every one United 
States dollar ($1.00) in eligible gas and/or grocery 
purchases (eligible gas and grocery purchases include 
transactions coded by the merchant with Merchant 
Category Code (“MCC”) 5411, 5451, 5462, 5499, 5541, 
5542, or 5983), rounded to the nearest whole dollar 
made on a Cash Back Card. Bonus earn is only available 
on the first $2,500 of net eligible gas and/or grocery 
purchases within a calendar quarter. After the $2,500 
cap is met within a calendar quarter, you will earn at 
the base rate in those categories until the next calendar 
quarter begins and the cap is reset.

3.  All cash back is earned in United States dollars (USD).

4.  Net purchases are the dollar value of goods and 

services purchased on an Account minus any credits, 
returns or other adjustments as reflected on monthly 
billing statements. Accounts are eligible for cash back 
accrual upon account opening.

5.  All credits and/or returns will result in a debit of the 

same amount of cash back that was originally earned.

6.  Negative cash back will post if your returns or credits 
exceed your purchases for the monthly billing period.

7.  Transactions that are not eligible purchases for 

purposes of cash back calculation include but are 
not limited to: cash advances, balance transfers, 
cash advances designated as purchases, traveler’s 
checks, money orders, purchases of foreign currency, 
convenience checks, wire transfers, ATM withdrawals 

BMO Harris RewardsSM Program Rules

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and insurance charges. Fees and card-related 
charges posted to an Account, including late fees, 
over-limit fees, annual fees and interest charges as 
contained in the applicable Governing Agreement 
also are excluded from the calculation of eligible 
purchases. Additional transactions excluded from 
calculation of eligible purchases include: gaming-
related transactions (including, without limitation, 
gambling chips, off-track wagers or lottery ticket 
transactions), tax payments and any unauthorized 
charges or transactions.

8.  If the Account is closed for any reason (other than 

fraud or other security concerns), including inactivity 
or non-renewal, the Account will no longer be able 
to accrue cash back and all accrued cash back not 
claimed and redeemed for that Account will be 
forfeited. 

9.  Cash back for eligible purchases made to a Cash Back 
Card held by a Co-Borrower, secondary cardholder, 
Authorized User or any other individual other than 
you will be credited to your Account.

10. Cash back is calculated by transaction. Transactions 
and their projected earnings are viewable under 
the Earnings section of Account Activity at 
bmoharrisrewards.com daily. Cash back is not 
available for redemption until it is posted on your 
monthly billing statement and transferred to your 
available cash balance. Your available cash balance 
will display on bmoharrisrewards.com. Your available 
cash balance is also available by calling the BMO 
Harris Rewards Redemption Center (“Redemption 
Center”) at 1-800-610-8987. Redemption Center hours 
of operation are from 8 a.m. to 8 p.m. Central Time, 
seven (7) days a week, excluding federal holidays.

11.  Earnings from any Account or program may not  
be combined with cash back earned from a Cash 
Back Card.

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12. There is no expiration on cash back earned on Cash 

Back Cards.

13.  Cash back is not considered your property and cannot 
be transferred to any other Account, person or entity.

Redeeming Cash Back

1.  Cash back may be redeemed for statement credits 
that will be applied to the Account that earned the 
cash back. You may redeem with a minimum of 
$15.00 in your available cash balance and in $5.00 
increments thereafter. Statement credits will not be 
applied towards reducing the minimum payment due 
on your Account.

2.  For your available cash balance or to redeem cash 
back for a statement credit, visit bmoharrisrewards.
com or call the Redemption Center at 1-800-610-8987. 

3.  Cash back is not eligible for redemption until it 

is posted on your monthly billing statement and 
transferred to your available cash balance.

4.  For Cash Back Cards, only you may redeem cash back 
for a statement credit. Any individual other than the 
Cardholder of the Account is not permitted to redeem 
cash back, including a Co-Borrower, secondary 
cardholder or Authorized User.

5.  Cash back may not be used as payment for any 

obligation owed to us, unless otherwise permitted in 
special promotional offers.

Rev. 11/15

BMO Harris RewardsSM Program Rules

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Questions?

bmoharrisrewards.com 
Log in at bmoharrisrewards.com 24 hours a 
day, 7 days a week to view your available 
cash balance or make a redemption. 

1-800-610-8987 
Call the Redemption Center at  
1-800-610-8987 for rewards program 
information. Redemption Center hours of 
operation are from 8 a.m. to 8 p.m. Central 
Time, seven (7) days a week, excluding 
federal holidays.

BMO Harris RewardsSM Program Rules

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Talk with us
1-800-610-8987

Learn more
bmoharrisrewards.com

MasterCard® and the MasterCard Brand Mark are registered trademarks 
of MasterCard International Incorporated.

Banking products and services are subject to bank and credit approval 
and are provided by BMO Harris Bank N.A. Member FDIC. BMO Harris 
Bank® and BMO Harris® are trade names used by BMO Harris Bank N.A. 

© 2015 BMO Harris Bank N.A. (11/15)

10052294

bmoharris.com