Summary of Credit Terms for BMO Harris Bank Premium Rewards MasterCard®

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

0% introductory APR for six months from account opening date. 
After that, your APR will be 14.24%, 16.24%, 19.24% or 22.24% 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 within 90 days from date of account opening.

After that, your APR will be 14.24%, 16.24%, 19.24% or 22.24% based on your  
credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

24.49%
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on 
Purchases

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.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

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 3% of the amount of each balance transfer, whichever is greater.

• Either $10 or 3% of the amount of each cash advance, whichever is greater.

• Foreign Transaction

• None

Penalty Fees

• Late Payment

• Returned Payment

• Up to $37

• Up to $37

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. 
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. © 2016 BMO Harris Bank N.A. All Rights Reserved. (1/16)bmoharris.com