
3
/5
BMO
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.
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
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.*
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Extended Warranty
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Common Carrier Travel Accident Insurance
Trip Interruption
Trip Cancellation
Flight Delay
Baggage Delay
Lost or Stolen Baggage
Hotel Burglary Insurance
Car Rental Damage & Theft
Mobile Device Insurance
Benefits
Details
Airport Lounge - Dragon Pass
Anniversary Credit
Extra points
Concierge Services
Visa Infinite Exclusive Benefits
Golf Benefit
Priority Travel
Discount
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.

