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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: $120
$0
First Year Waived
Additional Cards: $50
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
- Get up to $570 in value which includes up to 60,000 Bonus points, $50 anniversary lifestyle credit and no annual fee in your first year.*
- Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by 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.
- Offer ends on January 31, 2026
Our Rating
3.6/5
Institution
BMO
How You Earn Rewards
- 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 30,000 points on food, 30,000 points on groceries, 100,000 points on gas and 100,000 points on daily transit)
- 1 point per $1 spent on all other purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000
Travel Accident
$500,000
Emergency Out of province Medical
$5M up to 15 days.svg)
Car Rental Damage & Theft
$65K up to 48 days
Benefits
Details
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events
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.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member
Anniversary Credit
Get a $50 anniversary lifestyle credit.svg)
Concierge Services
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.
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.
