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Side by Side Credit Cards Comparison
BMO CashBack® World Elite® Mastercard®VSBMO eclipse Visa Infinite Privilege* Card
Which one is better?
BMO CashBack® World Elite® Mastercard®
4.1
BMO eclipse Visa Infinite Privilege* Card
3.0
Welcome Bonus
Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.1 Plus, get a 0% 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
$499.08
First Year Bonus Value
+
$480
Annual Fee
-
$120
$0
First Year Rebated
Finly Rebate
+
$125Exclusive Offer
First Year Value
$1,104.08
$379.08 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
- 5% cash back on groceries (capped at $500 spending per statement, maximum of $25 in cashback per statement cycle)
- 4% cash back on daily transit (capped at $300 spending per statement, maximum of $12 in cashback per statement cycle)
- 3% cash back on gas (capped at $300 spending per statement, maximum of $9 in cashback per statement cycle)
- 2% cash back on recurring payments (capped at $500 spending per statement, maximum of $10 in cashback per statement cycle)
- 1% cash back 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, $1,000 maximum
Baggage Delay
$500/person, $1,000 maximum After 6 hours.svg)
Car Rental Damage & Theft
$65K MSRP up to 48 days
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$1,000
Travel Medical Insurance
$5M up to 8 days per covered personFlight Delay
$500 After 4 hours delay
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/personFlight Delay
$1,000
Mobile Device Insurance
$1,000Travel Medical Insurance (65+)
$5M up to 3 days/person
Trip Cancellation
$2,500/person, $5,000 trip
Trip Interruption
$5,000/person, $25,000 trip
Extra Benefits
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
Roadside Assistance
Including battery boosts, flat-tire change, lockout service and towing – a $69/year value.Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.
Global Data Roaming plan
With 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, without any additional charges, if apply.
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
N/A
Loyalty Program
Point Redemption Options
Not Applicable
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
Is this card worth it?
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
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
- Impressive cashback rates
- Rare roadside assistance
- Comprehensive insurance and benefits
- High first-year value
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- Comprehensive insurance
- Lounge access
Cons
- Lacks restaurant optimization
- Low monthly cashback caps
Cons
- High annual fee
- High income requirements
- Low point value
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vs BMO AIR MILES® Mastercard®*
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Legal
**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 CashBack World Elite Mastercard applications must be received between December 15, 2025, and October 31, 2026, to be eligible for this offer. This offer is not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. If you cancel your card within ninety (90) days from the date your account is opened, all CashBack rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
$650 in value is made up of:
Up to $480 Welcome Offer Cash Back
- Receive $40 Bonus Cash Back when you spend a minimum of $2,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) per billing cycle in the first twelve (12) billing cycles after the account open date.
$120: Annual Fee Waiver
- The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The annual fee waiver Offer does not apply to the Additional Card annual fee.
The first-year annual fee waiver offer is limited to new BMO CashBack World Elite Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, product transfer, or who open a new account for the same card during the Offer Period.
$69: Roadside Assistance
- With the BMO CashBack World Mastercard and BMO CashBack World Elite Mastercard, you will receive a complimentary membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and plan features are described in the Certificate you will receive.
DAA requires that BMO provide any information reasonably required solely for the purpose of confirming that you are covered by the Program.
*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.