Working hard in the background...
Side by Side Credit Cards Comparison
BMO AIR MILES® World Elite®* Mastercard®*VSBMO eclipse Visa Infinite Privilege* Card
Which one is better?
BMO AIR MILES® World Elite®* Mastercard®*
3.7
BMO eclipse Visa Infinite Privilege* Card
3.0
Welcome Bonus
Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your first year.* Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Welcome Bonus
Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
Our Cash Offer
$125 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$423.79
Air Miles
First Year Bonus Value
+
$1,260
Air Miles
Annual Fee
-
$120
$0
First Year Rebated
Finly Rebate
+
$125Exclusive Offer
First Year Value
$1,808.79
$303.79 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$472.11
BMO Rewards
First Year Bonus Value
+
$536
BMO Rewards
Annual Fee
-
$599
Finly Rebate
+
$50Exclusive Offer
First Year Value
$459.11
-$126.89 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 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
How to Earn Rewards
- Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel.*
- Get 1 BMO Reward for every $1 spent on everything else.*
Insurance Included
Lost or Stolen Baggage
$500/person, $1K/trip
Baggage Delay
$500/person, $1K/trip.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Common Carrier Travel Accident Insurance
$500,000/person
Extended Warranty
double up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$1,000
Travel Medical Insurance
$5M up 15 days/person
Trip Cancellation
$1.5K/person, $5K/trip
Trip Interruption
$1.5K/person, $10K/tripFlight Delay
$500
Insurance Included
Lost or Stolen Baggage
$1,000/person, $2,500/tripBaggage Delay
$500/person, $1K/tripCar Rental Damage & Theft
$85,000 up to 48 daysCommon Carrier Travel Accident Insurance
$500,000/personExtended Warranty
triples up to 2 yearsPurchase Protection
120 daysHotel Burglary Insurance
$2,500Travel Medical Insurance
$5M up to 22 days/personTrip Cancellation
$2,500/person, $5,000 tripTrip Interruption
$5,000/person, $25,000 tripFlight Delay
$1,000
Mobile Device Insurance
$1,000Travel Medical Insurance (65+)
$5M up to 3 days/person
Extra Benefits
Airport Lounge - Dragon Pass
Pass only - complimentary visits not included
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Annual 25% discount on one worldwide AIR MILES flight redemptionDiscount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
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.svg)
Status lift
Automatic Air Miles Onyx status
Extra Benefits
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per yearDiscount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Visa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine country.svg)
Concierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dial
Extra points
Earn 25% more points on all purchases when you add an authorized user to your account
Priority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
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
$200 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 Rebated
Annual Fee
$599
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
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 7,000 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?
The BMO Eclipse Visa Infinite Privilege Card is ideal for those who want to maximize rewards on essential categories like travel, dining, groceries, and gas, while enjoying premium benefits. With a generous welcome bonus, lifestyle credit, and comprehensive insurance, this card is designed for frequent travelers who are willing to pay for luxury perks like lounge access and exclusive Visa Infinite privileges. The 25% rewards boost for authorized users adds further value for families or couples who want to rack up points faster.
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
- Generous rewards: Earn 5x points on travel, dining, groceries, gas, and drugstore purchases.
- $200 lifestyle credit: Annual credit that can be used on any purchase over $200.
- 25% bonus points with authorized user: Adding an authorized user increases your rewards by 25%.
- Comprehensive insurance: Includes 12 types of coverage, including emergency medical and trip interruption insurance.
- 6 lounge visits: Complimentary Priority Pass membership with 6 free airport lounge visits annually.
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
- High annual fee: The card has a steep $599 annual fee, which is not waived in the first year.
- High income requirements: Requires $150,000 personal or $200,000 household income, limiting eligibility.
- Low point value: Points are valued at only 0.67 cents, reducing their overall worth.
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO eclipse Visa Infinite* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO CashBack® World Elite® Mastercard®
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO eclipse Visa Infinite* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO CashBack® World Elite® Mastercard®
Legal
*Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
*Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.