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Side by Side Credit Cards Comparison
BMO eclipse Visa Infinite* CardVSBMO eclipse Visa Infinite Privilege* Card
Which one is better?
BMO eclipse Visa Infinite* Card
3.6
BMO eclipse Visa Infinite Privilege* Card
3.0
Welcome Bonus
Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
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
$439.95
BMO Rewards
First Year Bonus Value
+
$469
BMO Rewards
Annual Fee
-
$120
$0
First Year Rebated
Finly Rebate
+
$125Exclusive Offer
First Year Value
$1,033.95
$319.95 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
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
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
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Car Rental Damage & Theft
$65K up to 48 days
Common Carrier Travel Accident Insurance
$500,000
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Travel Medical Insurance
$5M up to 15 days
Insurance Included
Car Rental Damage & Theft
$85,000 up to 48 daysCommon Carrier Travel Accident Insurance
$500,000/personMobile Device Insurance
$1,000Extended Warranty
triples up to 2 yearsPurchase Protection
120 daysTravel Medical Insurance
$5M up to 22 days/person
Lost or Stolen Baggage
$1,000/person, $2,500/trip
Baggage Delay
$500/person, $1K/trip
Hotel Burglary Insurance
$2,500Travel Medical Insurance (65+)
$5M up to 3 days/person
Trip Cancellation
$2,500/person, $5,000 trip
Trip Interruption
$5,000/person, $25,000 tripFlight Delay
$1,000
Extra Benefits
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events.svg)
Concierge Services
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
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
Get a $50 anniversary lifestyle credit
Extra Benefits
Visa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine countryConcierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dialDiscount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*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.SAnniversary Credit
$200 anniversary lifestyle credit
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year
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
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:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
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
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / pointEntertainment
0.64¢ / pointStatement Credits (Cash)
0.5¢ / pointGift Cards
0.48¢ / pointMerchandise
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 $599 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.
vs BMO AIR MILES® Mastercard®*
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vs BMO AIR MILES® Mastercard®*
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vs BMO AIR MILES® World Elite®* Mastercard®*
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
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vs BMO eclipse rise Visa* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO CashBack® World Elite® Mastercard®
Legal
*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.
*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.