bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

3.6/5

Up to 60,000 points and first year fee waived

Apply Now

bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

Apply Now

Rewards Calculator Algorithm

You can estimate your rewards by inputting your monthly or yearly spending habits.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Card Details

Based on $2,000 spending

First Year Value

$633.43

$312.43 in years after

Annual Rewards

$432.43

BMO Rewards

First Year Bonus

$201

BMO Rewards

Annual Fee

$120

$0

First Year Waived

First Year Value

$633.43

$312.43 in years after

Interest Rates

Cash Advance: 23.99%, for Quebec 21.99%

Purchase: 20.99%

Balance Transfer: 23.99%

Annual Fee

$120

Annual Income

Personal: $60,000

Household: $100,000

Credit Score

Good

Welcome Bonus

Apply for the BMO eclipse Visa Infinite card by November 30, 2024, to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, plus 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.

Card Type

Category: Points

Loyalty Program: BMO Rewards

Our Rating

3.6/5

Institution

BMO

Rewards


  • 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 250,000 points)
  • 1 point per $1 spent on all other purchases

BMO eclipse Visa Infinite* Card Points Calculator

Based on $2,000 spending


Rewards Breakdown

Food and drinks, Groceries, Gas, Transportation

51,861 points


All other purchases

12,681 points


Annual Fee

- $120


Net Annual Rewards

64,542 points

Valued at $312.43 (after fees)

Rewards Summary

Net Annual Rewards

64,542 points

Valued at $312.43 (after fees)


First Year Card Bonus

30,000 points

Valued at $201


First Year Card Value

94,542 points

Valued at $633.43

Point Redemptions

Redemptions Chart

Travel

$513.43


Financial products

$513.43


Entertainment and Experiences

$485.07


Statement Credits

$352.71


Gift Cards

$333.8


Merchandise

$305.44

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • heart lock

    Travel Accident

    $500,000
  • travel accident medical

    Emergency Out of province Medical

    15 days
  • car insurance

    Car Rental Damage & Theft

    yes

Benefits

Details

  • exclusive

    Visa Infinite Exclusive Benefits

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

    Gas Discount

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

    Anniversary Credit

    Get a $50 anniversary lifestyle credit

Pros & Cons


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.

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.

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