BMO Ascend™ World Elite®* Mastercard®* vs BMO eclipse Visa Infinite Privilege* Card: Which one is better?
BMO Ascend™ World Elite®* Mastercard®*
3.1
BMO eclipse Visa Infinite Privilege* Card
3
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$307.13
BMO Rewards
First Year Bonus Value
$301.5
BMO Rewards
Annual Fee
$150
$0
First Year Waived
Finly Rebate
$75Exclusive Offer
First Year Value
$683.63
$157.13 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 to 21 days
Trip Cancellation
$1,500/person, $5K/trip
Trip Interruption
$2K/person, $10K/tripFlight Delay
$500 after 4 hours
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
4 complimentary visits
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% discount on Booking.com prepaid hotel or property rental bookingsDiscount
20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las VegasDiscount
FlexiRoam: Stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, free.
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*
$150
$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*
Get up to 90,000 points and the annual fee waived in your first anniversary for both the primary cardholder and authorized users.*
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*
- 5x points per $1 spent on eligible travel purchases (up to $15,000 spent)
- 3x points per $1 spent on eligible dining, recurring bill payment and entertainment purchases (up to $10,000 spent per category)
- 1x point per $1 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
0.67¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
Point Redemption Options*
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / pointEntertainment
0.64¢ / pointStatement Credits (Cash)
0.5¢ / pointGift Cards
0.48¢ / pointMerchandise
0.45¢ / point
Is this card worth it?
The BMO Ascend World Elite Mastercard is perfect for frequent travelers who want a premium card offering high earning rates on travel, dining, and entertainment, plus valuable travel perks like lounge access and comprehensive insurance coverage. If you travel often and can meet the income requirement, this card offers flexibility and peace of mind with both rewards and protection while you're on the go.
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
- Generous rewards: 5 points per $1 spent on travel, 3 points per $1 spent on dining, entertainment, and recurring bills, and 1 point per $1 on other purchases.
- Lounge access: Includes 4 free annual lounge passes through Mastercard Travel Pass.
- Comprehensive insurance: 14 types of insurance, including emergency medical and trip cancellation coverage.
- First year fee waived: Try the card for a year without paying the $150 annual fee.
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
- Low point value: Points are worth only 0.67 cents each, which is lower than other cards.
- High income requirements: Requires $80,000 personal income or $150,000 household income, making it inaccessible for many.
- Limited lounge availability: Users have reported issues with lounge access.
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.
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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 CashBack® Mastercard® for Students
vs BMO CashBack® Mastercard®
vs BMO AIR MILES® World Elite®* Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® Mastercard®* for Students
vs BMO AIR MILES® Mastercard®*
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