bmo airmiles world elite mastercard

BMO AIR MILES® World Elite®* Mastercard®*

APPLY NOW
bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

APPLY NOW

BMO AIR MILES® World Elite®* Mastercard®* vs BMO eclipse Visa Infinite* Card: Which one is better?


bmo airmiles world elite mastercard

BMO AIR MILES® World Elite®* Mastercard®*

3.7


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

3.6


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$425.73

Air Miles


First Year Bonus Value

$1,260

Air Miles


Annual Fee

$120

$0

First Year Waived


First Year Value

$1,685.73

$305.73 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$432.43

BMO Rewards


First Year Bonus Value

$201

BMO Rewards


Annual Fee

$120

$0

First Year Waived


First Year Value

$633.43

$312.43 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $65,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/person
  • extended warranty

    Extended Warranty

    double up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up 15 days/person

  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1K/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1K/trip
  • burglar

    Hotel Burglary Insurance

    $1,000
  • cancel airplane

    Trip Cancellation

    $1.5K/person, $5K/trip
  • pause

    Trip Interruption

    $1.5K/person, $10K/trip
  • hourglass timer

    Flight Delay

    $500

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 15 days

  • mobile device insurance

    Mobile Device Insurance

    $1,000

Extra Benefits*

  • car rental

    Car Rental Discount

    20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-Car
  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only - complimentary visits not included
  • discount

    Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
  • discount

    Discount

    Save up to 7% on your Booking.com prepaid hotel or property rental bookings
  • discount

    Discount

    Annual 25% discount on one worldwide AIR MILES flight redemption
  • star fall

    Status lift

    Automatic Air Miles Onyx status

Extra Benefits*

  • exclusive

    Visa Infinite Exclusive Benefits

    Exclusive luxury hotel collection, unique dining and wine events
  • gas station

    Gas Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member
  • concierge

    Concierge Services

  • golf clubs

    Golf Benefit

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
  • finance money dollar

    Anniversary Credit

    Get a $50 anniversary lifestyle credit

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Annual Fee*

$120

$0

First Year Waived

Annual Fee*

$120

$0

First Year Waived

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

Income Required*

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus*

3,000 bonus Air Miles after spending at least $4,500 in net eligible purchases within the first 110 days after account open. 2,000 bonus Air Miles after spending at least $10,000 in net eligible purchases within the first 180 days after account open. 2,000 bonus Air Miles after spending at least $20,000 in net eligible purchases within the first 360 days after account open

Welcome Bonus*

Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by an additional 2,500 points monthly for up to 12 months by spending $2,000 each month. The $120 annual fee is waived for the first year.

Rewards Rate*

  • 3x Miles points per $12 spent at participating AIR MILES Partners
  • 2x Miles points per $12 spent on eligible grocery, liquor and wholesale store purchases
  • 1x Mile point per $12 spent on all other eligible purchases

Rewards Rate*

  • 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 30,000 points on food, 30,000 points on groceries, 100,000 points on gas and 100,000 points on daily transit)
  • 1 point per $1 spent on all other purchases

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    18¢ / point
  • cash coins

    Statement Credits (Cash)

    10¢ / point
  • online shop

    Merchandise

    9¢ / point

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • online shop

    Merchandise

    0.45¢ / point

  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • gift card

    Gift Cards

    0.48¢ / point

Is this card worth it?

The BMO Air Miles World Elite Mastercard is ideal for frequent Air Miles collectors looking for premium travel benefits and a strong rewards rate. With up to 2,000 bonus miles, a 25% annual flight discount, and automatic Onyx status, this card offers substantial value for those who frequently shop at Air Miles partners and travel often. Its comprehensive insurance coverage and first-year fee waiver also add to its appeal, though the high income requirement may limit its accessibility.

Is this card worth it?

This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.

Pros

  • Increased rewards: Earn 1 mile per $12 spent, tripled when shopping at participating Air Miles partners and doubled at eligible grocery, liquor, and wholesale stores.
  • Travel perks: Includes a 25% discount on one Air Miles reward flight booking per year.
  • Air Miles Onyx status: Automatic Air Miles Onyx status with exclusive benefits.
  • Comprehensive insurance: 14 types of insurance coverage, including travel, trip cancellation, and rental car insurance.
  • First-year fee waived: Try the card for free in the first year.

Pros

  • Earn up to 60,000 BMO Rewards points.
  • 5x points on dining, groceries, gas, and transit.
  • $50 annual lifestyle credit.
  • 10% bonus points when adding an authorized user.
  • First-year annual fee waived.

Cons

  • High income requirements: Requires $80,000 personal or $150,000 household income, making it inaccessible for many.
  • Lower rewards compared to other premium cards: While it offers good Air Miles rewards, other cards may provide more flexible or higher rewards.

Cons

  • Low point value of 0.67 cents per point.
  • High income requirements ($60,000 personal or $100,000 household).
  • Only 6 types of insurance coverage included.

Legal


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