BMO AIR MILES® World Elite®* Mastercard®* vs BMO eclipse Visa Infinite* Card: Which one is better?
BMO AIR MILES® World Elite®* Mastercard®*
3.7
BMO eclipse Visa Infinite* Card
3.6
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$425.73
Air Miles
First Year Bonus Value
$1,260
Air Miles
Annual Fee
$120
$0
First Year Waived
Finly Rebate
$75Exclusive Offer
First Year Value
$1,760.73
$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
Finly Rebate
$60Exclusive Offer
First Year Value
$693.43
$312.43 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
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Car Rental Damage & Theft
$65,000 up to 48 days
Travel Accident
$500,000/person
Extended Warranty
double up to 1 year
Purchase Protection
90 days
Emergency Out of province Medical
$5M up 15 days/person
Lost or Stolen Baggage
$500/person, $1K/trip
Baggage Delay
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000
Trip Cancellation
$1.5K/person, $5K/trip
Trip Interruption
$1.5K/person, $10K/tripFlight Delay
$500
Insurance Included*
Car Rental Damage & Theft
$65K up to 48 daysTravel Accident
$500,000Extended Warranty
1 yearPurchase Protection
90 daysEmergency Out of province Medical
$5M up to 15 days
Mobile Device Insurance
$1,000
Extra Benefits*
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
Airport Lounge - Dragon Pass
Pass only - complimentary visits not included
Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collectorDiscount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Annual 25% discount on one worldwide AIR MILES flight redemption.svg)
Status lift
Automatic Air Miles Onyx status
Extra Benefits*
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member.svg)
Concierge Services
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
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
18¢ / point
Statement Credits (Cash)
10¢ / point
Merchandise
9¢ / point
Point Redemption Options*
Most Optimal
Travel
0.67¢ / pointStatement Credits (Cash)
0.5¢ / pointMerchandise
0.45¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
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.
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