BMO Private BankSM Premier World  
MasterCard® terms

Summary of Credit Terms

Interest Rates and Interest Charges

BMO Private Bank Premier World MasterCard®

Annual Percentage Rate (APR)  
for Purchases

11.49% or 13.49% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest  
on Purchases

14.49%
This APR will vary with the market based on the Prime Rate.

22.49%
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 
posting date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

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

BMO Private Bank Premier World MasterCard

Annual Fee

Transaction Fees

•  Balance Transfer
•  Cash Advance
•  Foreign Transaction

Penalty Fees
•  Late Payment

$250*

•  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
•  None

Up to $35

* There is a $250 annual fee for the BMO Private Bank Premier World MasterCard. The annual fee will be waived each year, from year 
to year, provided you continue to maintain a relationship with BMO Private Bank. Upon expiration of the waiver, the $250 annual 
fee will apply.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
The information about the costs of the card described in this Summary of Credit Terms is accurate as of the print date shown below. 
This information may have changed after that date. To find out what may have changed, write to us at: BMO Private Bank, Attn. 
BMO Private Bank Direct, P.O. Box 2045, Milwaukee, WI 53201-9399.

BMO Harris Bank N.A. is the issuer of BMO Private Bank 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 activi-
ties, 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® and World MasterCard are registered trademarks of MasterCard International Incorporated.
Banking deposit and loan products are provided by BMO Harris Bank N.A., Member FDIC, and are subject to bank/credit approval. BMO Private BankSM is a trade 
name used by BMO Harris Bank N.A. ©2016 BMO Harris Bank N.A. All Rights Reserved.

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