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BMO eclipse Visa Infinite Privilege* Card
BMO VIPorter Mastercard®∗
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. Offer ends on January 31, 2026.
Welcome Bonus
10,000 bonus VIPorter points after spending $3,000 in eligible purchases within the first 110 days, 15,000 bonus VIPorter points after spending $6,000 in eligible purchases within the first 180 days (plus a 35% flight discount voucher), and 15,000 bonus VIPorter points after spending $10,000 in eligible purchases within the first 365 days. Offer ends July 1, 2025*
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 $100 Cash Rebate offer from FinlyWealth
Promotional rebate expires on Nov 1, 2025
Rewards Breakdown
Annual Rewards
$464.59
BMO Rewards
First Year Bonus Value
+
$0
BMO Rewards
Annual Fee
-
$599
Finly Rebate
+
$50Exclusive Offer
First Year Value
-$84.41
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
While the first year bonus value here may show $0, the actual welcome bonus offer for this credit card is Up to 120,000 points, which we value at $804 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs and whether you meet the minimum listed requirements.
Rewards Breakdown
Annual Rewards
$242.03
VIPorter
First Year Bonus Value
+
$600
VIPorter
Annual Fee
-
$89
$0
First Year Waived
Finly Rebate
Exclusive Offer
First Year Value
$942.03
$153.03 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
How to Earn Rewards
Insurance Included
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Extended Warranty
Purchase Protection
Hotel Burglary Insurance
Emergency Out of province Medical
Flight Delay
Mobile Device Insurance
Emergency Medical Over 65
Trip Cancellation
Trip Interruption
Insurance Included
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Extended Warranty
Purchase Protection
Hotel Burglary Insurance
Emergency Out of province Medical
Flight Delay
Extra Benefits
Priority Travel
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
Gas Discount
Concierge Services
Extra points
Golf Benefit
Anniversary Credit
Extra Benefits
Priority Travel
Car Rental Discount
Hotel Booking Discount
Discount
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
$599
Annual Fee
$89
$0$
First Year Waived
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Travel
Financial Products
Entertainment
Statement Credits (Cash)
Gift Cards
Merchandise
Point Redemption Options
Porter airline and partner flights
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.
Is this card worth it?
This is one of the only credit cards in Canada that directly earns you VIPorter points and gives you premium travel benefits like priority security screening, early boarding and priority re-accommodation for flight delays on Porter (and its partners) flights. For frequent Porter travelers, this is a great low-fee card that can fast track your VIPorter status and earn even more travel benefits, although the rewards may be a bit lackluster.
Pros
Pros
Cons
Cons
vs BMO AIR MILES® Mastercard®*
vs BMO AIR MILES® World Elite®* 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 AIR MILES® World Elite®* 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
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.
* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and January 31, 2026 (the "Offer Period") 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. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If the Credit Card is cancelled within 365 days from the date it was opened, the welcome bonus earned within that period may be cancelled. This offer may be withdrawn or changed without notice.
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.