BMO AIR MILES® World Elite®* Mastercard®* vs BMO eclipse Visa Infinite Privilege* Card: Which one is better?
BMO AIR MILES® World Elite®* Mastercard®*
3.7
BMO eclipse Visa Infinite Privilege* Card
3
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
$490.32
BMO Rewards
First Year Bonus Value
$0
BMO Rewards
Annual Fee
$599
Finly Rebate
$100Exclusive Offer
First Year Value
-$8.68
Based on $2,000/mo average spending. Calculate your rewards.
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
Travel Accident
$500,000/person
Extended Warranty
double up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$1,000
Emergency Out of province Medical
$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 daysTravel Accident
$500,000/personExtended Warranty
triples up to 2 yearsPurchase Protection
120 daysHotel Burglary Insurance
$2,500Emergency Out of province Medical
$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
$1,000Emergency Medical Over 65
$5M up to 3 days/person
Extra Benefits*
Airport Lounge - Dragon Pass
Pass only - complimentary visits not included
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
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*
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year
Visa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine country.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector.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 Waived
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
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*
50,000 points when you spend $6,000 in the first 3 months, plus 30,000 points when you spend at least $30,000 in the first 6 months. Receive an additional 40,000 points when you spend at least $75,000 in 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*
- 5x points per $1 spent on grocery, dining, gas, drugstore and travel related purchases (maximum 125,000 points on dining, 125,000 points on travel, 100,000 points on groceries, 75,000 points on gas, and 75,000 points on drugstore)
- 1x point per $1 spent on all other eligible 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?
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 $499 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 CashBack® World Elite® Mastercard®
vs BMO Preferred Rate Mastercard®
vs BMO VIPorter World Elite Mastercard®∗
vs BMO eclipse Visa Infinite* Card
vs BMO eclipse rise Visa* Card
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO CashBack® Mastercard® for Students
vs BMO CashBack® Mastercard®
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® Mastercard®* for Students
vs BMO AIR MILES® Mastercard®*
vs BMO CashBack® World Elite® Mastercard®
vs BMO Preferred Rate Mastercard®
vs BMO VIPorter World Elite Mastercard®∗
vs BMO eclipse Visa Infinite* Card
vs BMO eclipse rise Visa* Card
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO CashBack® Mastercard® for Students
vs BMO CashBack® Mastercard®
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® Mastercard®* for Students
vs BMO AIR MILES® Mastercard®*
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