bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

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BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite Mastercard®∗

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BMO eclipse Visa Infinite Privilege* Card vs BMO VIPorter World Elite Mastercard®∗: Which one is better?


bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

3


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite Mastercard®∗

4.5


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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

$536.96

VIPorter


First Year Bonus Value

$1,050

VIPorter


Annual Fee

$199

$0

First Year Waived


First Year Value

$1,586.96

$337.96 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    $1,000/person, $2,500/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1K/trip
  • car insurance

    Car Rental Damage & Theft

    $85,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/person
  • extended warranty

    Extended Warranty

    triples up to 2 years
  • purchase protection

    Purchase Protection

    120 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 22 days/person
  • cancel airplane

    Trip Cancellation

    $2,500/person, $5,000 trip
  • pause

    Trip Interruption

    $5,000/person, $25,000 trip
  • hourglass timer

    Flight Delay

    $1,000

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • travel accident medical

    Emergency Medical Over 65

    $5M up to 3 days/person

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
  • hourglass timer

    Baggage Delay

    Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items
  • car insurance

    Car Rental Damage & Theft

    Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000
  • heart lock

    Travel Accident

    Up to $500,000 per insured person
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    Up to $1,000 per occurrence for all insured persons combined
  • travel accident medical

    Emergency Out of province Medical

    Up to $5M per insured person, per trip, for 21 days per trip
  • cancel airplane

    Trip Cancellation

    Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)
  • pause

    Trip Interruption

    $2,000 per insured person
  • hourglass timer

    Flight Delay

    Up to a maximum of $500 per trip for all insured persons combined

Extra Benefits*

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Visa Airport Companion membership and 6 complimentary airport lounge visits per year
  • airport waiting room

    Priority Travel

    Priority Security Lane, airport parking and valet service discounts at select Canadian airports

  • exclusive

    Visa Infinite Exclusive Benefits

    Visa Infinite luxury hotel collection, dining series and wine country
  • gas station

    Gas Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
  • concierge

    Concierge Services

    Visa Infinite Privilege Concierge like having a personal assistant on speed dial
  • reward cup

    Extra points

    Earn 25% more points on all purchases when you add an authorized user to your account
  • golf clubs

    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
  • finance money dollar

    Anniversary Credit

    $200 anniversary lifestyle credit

Extra Benefits*

  • alcohol cheers

    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.*
  • airport waiting room

    Priority Travel

    Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking

  • car rental

    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
  • discount

    Hotel Booking Discount

    Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*
  • discount

    Discount

    Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
  • airplane love

    Companion Voucher

    A round-trip companion pass per year
  • luggage

    Free first checked bag

    1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same booking
  • entertainment popcorn

    Mastercard On-Demand and Subscription Services

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*

$199

$0

First Year Waived

Income Required*

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

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*

20,000 bonus VIPorter points after spending $5,000 in eligible purchases within the first 110 days*. 20,000 bonus VIPorter points + one round-trip companion pass (max 2 passengers) + $1,000 in Qualifying Spend credited to your VIPorter account to help you reach the next VIPorter Avid Traveller membership after spending $9,000 in eligible purchases within the first 180 days*. 30,000 bonus VIPorter points after spending $18,000 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 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually)
  • Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined)
  • Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined)
  • Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually)
  • Earn 1 VIPorter point for every $1 spent everywhere else
  • Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. 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.

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • gift card

    Gift Cards

    0.48¢ / point
  • online shop

    Merchandise

    0.45¢ / point

Point Redemption Options*

  • flight plane

    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 easily the best credit card in Canada for frequent Porter airline (and its partners) travelers. Earning 2x VIPorter points on common everyday purchases like groceries, dining and transportation is a massive benefit, allowing you to rack up points really fast and enjoy travel via Porter and it's airline partners. The premium benefits of this card make your travels smooth as you get priority security screening, early boarding and priority re-accommodation for flight delays, one complimentary checked bag, a carry-on bag with every fare type (including Basic), and complimentary PorterClassic seat selection.

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 with a value that easily exceeds $1,000, especially with the one companion pass
  • 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.
  • 2x points on common everyday purchases such as groceries, dining, gas, transportation, etc. where points are valued at 1.5 cents per point on average

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

  • Annual fee of $199 is definitely on the higher side for an airline loyalty card
  • Having to spend $50,000 in the first year just to qualify for the annual companion pass
  • Points can only be redeemed towards flights currently
  • Spending caps on common categories like groceries and dining for earning 2x multiplier may be low for large families

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. Check here for full details and current product information.
**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. Check here for full details and current product information.

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