Working hard in the background...
BMO eclipse Visa Infinite Privilege* Card Review
The Bottom Line
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.
APPLY NOW
on BMO's website
Welcome Bonus
Up to 120,000 points
Annual Fee
$599
Interest Rates
21.99% / 23.99%□
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
Coverage
Purchase Protection
120 days
Extended Warranty
triples up to 2 years
Emergency Medical Term
$5M up to 22 days/personEmergency Medical (65+)
$5M up to 3 days/person
Travel Accident
$500,000/person
Trip Interruption
$5,000/person, $25,000 trip
Trip Cancellation
$2,500/person, $5,000 trip
Flight Delay
$1,000Baggage Delay
$500/person, $1K/trip
Lost or Stolen Baggage
$1,000/person, $2,500/trip
Hotel Burglary Insurance
$2,500.svg)
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.svg)
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.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
*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. Check here for full details and current product information.
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
23.99%□
Balance Transfer APR
23.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Fees
Annual Fee
$599
Additional Cards
$99
Eligibility
Minimum Individual Income
$150,000
Minimum Household Income
$200,000
Credit Score Estimate
Very Good
Type
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 $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.
Get personalized rewards estimates — see exactly how much you could earn.
BMO eclipse Visa Infinite Privilege* Card Points Calculator
APPLY NOW
on BMO's website