bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

APPLY NOW
bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

APPLY NOW

BMO eclipse Visa Infinite* Card vs BMO eclipse Visa Infinite Privilege* Card: Which one is better?


bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

3.6


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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

Rewards Breakdown

Annual Rewards

$432.43

BMO Rewards


First Year Bonus Value

$201

BMO Rewards


Annual Fee

$120

$0

First Year Waived


First Year Value

$633.43

$312.43 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


First Year Value

-$108.68

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

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 15 days

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $85,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/person
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    triples up to 2 years
  • purchase protection

    Purchase Protection

    120 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 22 days/person

  • lost baggage

    Lost or Stolen Baggage

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

    Baggage Delay

    $500/person, $1K/trip
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Medical Over 65

    $5M up to 3 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

Extra Benefits*

  • exclusive

    Visa Infinite Exclusive Benefits

    Exclusive luxury hotel collection, unique dining and wine events
  • gas station

    Gas Discount

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

    Concierge Services

  • 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

    Get a $50 anniversary lifestyle credit

Extra Benefits*

  • 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
  • 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

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Visa Airport Companion membership and 6 complimentary airport lounge visits per year
  • reward cup

    Extra points

    Earn 25% more points on all purchases when you add an authorized user to your account
  • airport waiting room

    Priority Travel

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

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 Waived

Annual Fee*

$599

Income Required*

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required*

Min Personal Income:

$150,000

Min Household Income:

$200,000

Welcome Bonus*

Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by an additional 2,500 points monthly for up to 12 months by spending $2,000 each month. The $120 annual fee is waived for the first year.

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*

  • 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 30,000 points on food, 30,000 points on groceries, 100,000 points on gas and 100,000 points on daily transit)
  • 1 point per $1 spent on all other 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, 75,000 poitns on drugstore)
  • 1x point per $1 spent on all other eligible purchases

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*

  • 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

Is this card worth it?

This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.

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

  • Earn up to 60,000 BMO Rewards points.
  • 5x points on dining, groceries, gas, and transit.
  • $50 annual lifestyle credit.
  • 10% bonus points when adding an authorized user.
  • First-year annual fee waived.

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 of 0.67 cents per point.
  • High income requirements ($60,000 personal or $100,000 household).
  • Only 6 types of insurance coverage included.

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.

Legal


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