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. � 21  BMO Harris Bank N.A. All Rights Reserved. (0401/21)bmoharris.comInterest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases
324 , 1724, 1924 or 124   based on your credit worthiness.
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 
APR for Cash Advances 27.24
This APR wil l vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesYour 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 ChargeIf you are charged interest, the charge will be no less than $1.00.For Credit Card Tips from the Consumer Financial Protection BureauTo 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.
FeesAnnual Fee$79, after the first year from account openingTransaction Fees�B a l a n c e  T r a n s f e r� Cash Advance� Foreign Transaction
� Eith er $1 0 or 4% of the amount of each balance transfer, whichever is greater.
� Either $1 0 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 W ill Calculate Your B alanc e: We us e a m e thod ca lled � average dail y balance (including n ew transactions).� See your 
Credit Car d 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 th e issuer of BMO  Harris cre dit 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.
IM
PORTANT 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 accou nt. 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. Summary of Credit Terms for BMO Harris Bank Premium Rewards Mastercard�
within 90 days from date of account opening.
After that, your APR will be 13.24%, 17.24%, 19.24% or 21.24% based on your credit 
worthiness. This APR will vary with the market based on the Prime Rate