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BMO
Visa
BMO eclipse Visa Infinite Privilege* CardPoints Calculator
Get up to $2,300 in value including up to 200,000 points. Plus, get 0%s introductory interest rate on Balance transfers for 12 months.
Our Take
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.
Exclusive · From FinlyWealth$50 rebate
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
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.
- 80,000 points when you spend $6,000 in the first 110 days, plus 40,000 points when you spend at least $30,000 in the first 6 months. Receive an additional 80,000 points when you spend at least $75,000 in the first year.
- Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
Annual Income
Personal: $150,000
Household: $200,000
Credit Score Estimate
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3/5
Institution
BMO
How You 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.*
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
13 insurance
8 benefits
Insurance
Coverage
Purchase Protection
120 days
Extended Warranty
triples up to 2 years
Travel Medical Insurance (64 & under)
$5M up to 22 days/person
Travel Medical Insurance (65 to 75)
$5M up to 3 days/person
Common Carrier Travel Accident Insurance
$500,000/person
Trip Interruption
$5,000/person, $25,000 trip
Trip Cancellation
$2,500/person, $5,000 trip
Flight Delay
$1,000
Baggage Delay
$500/person, $1K/trip
Lost or Stolen Baggage
$1,000/person, $2,500/trip
Hotel Burglary Insurance
$2,500
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Car Rental Damage & Theft
$85,000 up to 48 days
Mobile Device Insurance
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year
Anniversary Credit
$200 anniversary lifestyle credit
Extra points
Earn 25% more points on all purchases when you add an authorized user to your account
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Concierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dial
Visa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine country
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
Priority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Pros & Cons
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- Comprehensive insurance
- Lounge access
Cons
- High annual fee
- High income requirements
- Low point value
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.
