BMO eclipse Visa Infinite Privilege* Card vs BMO VIPorter Mastercard®∗: Which one is better?
BMO eclipse Visa Infinite Privilege* Card
3
BMO VIPorter Mastercard®∗
4.1
Finly Rebate
Finly Rebate
Promotional rebate expires on May 31, 2025
Rewards Breakdown
Annual Rewards
$490.32
BMO Rewards
First Year Bonus Value
$0
BMO Rewards
Annual Fee
$599
First Year Value
-$108.68
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$242.03
VIPorter
First Year Bonus Value
$600
VIPorter
Annual Fee
$89
$0
First Year Waived
First Year Value
$842.03
$153.03 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Lost or Stolen Baggage
$1,000/person, $2,500/trip
Baggage Delay
$500/person, $1K/trip.svg)
Car Rental Damage & Theft
$85,000 up to 48 days
Travel Accident
$500,000/person
Extended Warranty
triples up to 2 years
Purchase Protection
120 days
Hotel Burglary Insurance
$2,500
Emergency Out of province Medical
$5M up to 22 days/personFlight Delay
$1,000
Mobile Device Insurance
$1,000Emergency Medical Over 65
$5M up to 3 days/person
Trip Cancellation
$2,500/person, $5,000 trip
Trip Interruption
$5,000/person, $25,000 trip
Insurance Included*
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedBaggage Delay
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedCar Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000Travel Accident
Up to $500,000 per insured personExtended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combinedEmergency Out of province Medical
Up to $5M per insured person, per trip, for 8 days per tripFlight Delay
Up to a maximum of $500 per trip for all insured persons combined
Extra Benefits*
Priority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
Visa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine country
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year.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
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
Extra Benefits*
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
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
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *Discount
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
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
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.
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*
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, 75,000 poitns on drugstore)
- 1x point per $1 spent on all other eligible purchases
Rewards Rate*
- Earn 2 points for every $1 spent on eligible Porter purchases via flyporter.com (up to $10,000 in spending annually)
- Earn 1 point for every $1 spent on eligible gas and transportation purchases (up to $3,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible groceries and dining purchases (up to $5,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible hotel accommodation purchases (up to $3,000 in spending annually)
- Earn 0.5 points for every $1 spent everywhere else
- Primary cardholders will receive an annual discount of 35% on a Porter flight booking after spending a minimum of $25,000 in eligible purchases. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period (The flight voucher allows up to 3 companions to accompany the primary cardholder at a 35% discount on the flight booking’s base fare).
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*
Porter airline and partner flights
1.5¢ / point
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
- 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.
Pros
- No annual fee in the first year!
- A massive welcome bonus valued at $600+ that also grants you a 35%-off flight discount voucher (valid for up to 3 companions) after meeting the minimum spend requirement
- Points can be redeemed across Porter's expanding North American network, as well as Porter's growing list of global airline partners, currently featuring flights operated by Air Transat and Alaska Airlines sold on flyporter.com.
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.
- Additional card fees: Adding authorized users costs $75 per year per user.
Cons
- Low spending caps on common categories like groceries and dining
- Having to spend $25,000 per year just to qualify for 35%-off flight booking discount
- Points can only be redeemed towards flights currently
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 AIR MILES® World Elite®* 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 AIR MILES® World Elite®* Mastercard®*
vs BMO AIR MILES® Mastercard®* for Students
vs BMO AIR MILES® Mastercard®*
Legal