bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

3/5

Up to 120,000 points

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bmo eclipse visa infinite privilege
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$100

BMO eclipse Visa Infinite Privilege* Card
Review

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$100 Cash Rebate From FinlyWealth

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Card Details

Interest Rates


Purchase: 21.99%

Cash Advance: 23.99%□

Balance Transfer: 23.99%□

□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%

Annual Fees


Main Card: $599

Additional Cards: $99

Annual Income


Personal: $150,000

Household: $200,000

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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.
  • Offer ends on January 31, 2026

Card & Reward Type


Card Type: Credit

Reward Type: Points

Loyalty Program: BMO Rewards

Our Rating


3/5

Institution


BMO

Rewards


  • 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, and 75,000 points on drugstore)
  • 1x point per $1 spent on all other eligible purchases

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    120 days
  • extended warranty

    Extended Warranty

    triples up to 2 years
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 22 days/person
  • travel accident medical

    Emergency Medical Over 65

    $5M up to 3 days/person
  • heart lock

    Travel Accident

    $500,000/person
  • pause

    Trip Interruption

    $5,000/person, $25,000 trip
  • cancel airplane

    Trip Cancellation

    $2,500/person, $5,000 trip
  • hourglass timer

    Flight Delay

    $1,000
  • hourglass timer

    Baggage Delay

    $500/person, $1K/trip
  • lost baggage

    Lost or Stolen Baggage

    $1,000/person, $2,500/trip
  • burglar

    Hotel Burglary Insurance

    $2,500
  • car insurance

    Car Rental Damage & Theft

    $85,000 up to 48 days
  • mobile device insurance

    Mobile Device Insurance

    $1,000

Benefits

Details

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Visa Airport Companion membership and 6 complimentary airport lounge visits per year
  • finance money dollar

    Anniversary Credit

    $200 anniversary lifestyle credit
  • reward cup

    Extra points

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

    Concierge Services

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

    Visa Infinite Exclusive Benefits

    Visa Infinite luxury hotel collection, dining series and wine country
  • 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
  • airport waiting room

    Priority Travel

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

    Gas Discount

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

Pros & Cons


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

  • 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.

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.

Rewards Breakdown

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