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bmo eclipse visa infinite privilege

3

/5

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.

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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


300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type


Credit

Reward Type


Type: Points

Loyalty Program: BMO Rewards

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.*




Insurance & Benefits

13 insurance
8 benefits

Insurance

Coverage

  • purchase protection

    Purchase Protection

    120 days
  • extended warranty

    Extended Warranty

    triples up to 2 years
  • travel accident medical

    Travel Medical Insurance (64 & under)

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

    Travel Medical Insurance (65 to 75)

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

    Common Carrier Travel Accident Insurance

    $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
  • discount

    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

    *Terms and conditions apply.


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