Summary of Credit Terms

Interest Rates and 
Interest Charges
Annual Percentage 
Rate (APR) for 
Purchases

APR for Balance 
Transfers

BMO Harris Bank  
Platinum Mastercard®
0% introductory APR for 15
months from account opening date. 
After that, your APR will be 
12.24%, 16.24%,
18.24% or  20.24%
based  on your creditworthiness. 
This  APR will  vary  with  the  market 
based on the Prime Rate.

0% introductory APR for 15 months 
from date of first transfer when 
transfers are completed within 90 
days from date of account opening. 

After that, your APR will be 12.24%, 
16.24%, 18.24% or 20.24% based 
on your creditworthiness. This APR 
will vary with the market based on 
the Prime Rate.

BMO Harris Bank 
Platinum Rewards Mastercard®
 14.24%,  18.24%,      20.24%    or 22.24%  based on
your credit worthiness. This APR will vary with the market based on 
the Prime Rate.

BMO Harris Bank  
Cash Back Mastercard®

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  14.24%,  18.24%,  20.24% or  22.24% 
based on your credit worthiness. 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.

APR for Cash Advances 27.24% This APR will vary with the market based on the Prime Rate.
How to Avoid 
Paying Interest on 
Purchases
Minimum Interest 
Charge
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau
Fees

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.

BMO Harris Bank  
Platinum Mastercard®
None

BMO Harris Bank 
Platinum Rewards Mastercard®
None

BMO Harris Bank  
Cash Back Mastercard®
None

Annual Fee
Transaction Fees
• Balance Transfer
• Cash Advance
•  Foreign Transaction

Penalty Fees
• Late Payment
•  Returned Payment

•  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.
•  3% of each transaction in U.S. dollars.

• 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)bmoharris.com