BMO Harris Bank N.A. Pricing Information for BMO  Harris Bank Platinum, Platinum 
Rewards, Cash Back, Premium Rewards, Premier Services Premium Rewards and Wealth 
Management Premium Rewards credit cards 

Interest Rates and 
Interest Charges 

Platinum 

Platinum Rewards, Cash Back, 
Premium Rewards, Premier 
Services Premium Rewards, 
Wealth Management Premium 
Rewards 
Prime Rate plus 8.74% to 
Prime Rate plus 18.74%,
based on your creditworthiness. 
This APR will vary with the 
market based on the Prime Rate. 

0.00% introductory APR on 
Purchases for six months from 
account opening date.  
After that, your APR will be 
Prime Rate plus 8.74% 
to Prime Rate plus 
15.74%, based on your
creditworthiness. This APR will 
vary with the market based on 
the Prime Rate. 
0.00% introductory APR on Balance Transfers for twelve or fifteen 
months from date of first transfer when transfers are completed within 
90 days from date of account opening. 
After that, your APR will be Prime Rate plus 8.74% to Prime Rate 
plus 18.74%, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate. 
Prime Rate plus 20.99%. 
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. 

$0 or $79 after the first year of account opening or 
$175 after the first year of account opening 

 Either $10 or 3% of the amount of each balance transfer,

whichever is greater

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Balance 
Transfer 

APR for Cash 
Advances 
Paying Interest 

Minimum Interest 
Charge 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 
Annual Fee 

Transaction Fees 
 Balance Transfer

 Cash Advance

 Either $10 or 3% of the amount of each cash advance,

whichever is greater

 None or 3% of each transaction in U.S. dollars

 Up to $37
 Up to $37

 Foreign Transaction
Penalty Fees 
 Late Payment
 Returned Payment

REV (11/29/19)

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new transactions).” See your 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. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your Agreement. 
Cash Limit: Your Cash Limit is 20% of your Credit Limit.  If cash access is requested, your 
Cash Limit will appear on your billing statement.  In addition to any limits imposed by the ATM 
operator, we may also impose transaction limits on cash withdrawals.  Please contact Customer 
Service at the provided phone number with any questions regarding your Cash Limit and Cash 
Advances.  
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. 

Margins 
And Periodic Rates with Corresponding APRs 

Margin 
Periodic Rate 
(as of 
11/29/2019)

Purchase Rate 
8.74% to 18.74%
0.03695% to 0.06435%

Balance Transfer Rate  Cash Advance Rate 
8.74% to 18.74%
0.03695% to 0.06435%

20.99% 
0.07052%

(corresponding APR of 
13.49% to 23.49%)

(corresponding APR of 
13.49% to 23.49%)

(corresponding 
APR of 25.74%)

Minimum Payment Due: Refer to your Agreement for how we calculate your Minimum 
Payment Due. 

REV (11/29/19)