BMO AIR MILES® Mastercard®* vs BMO eclipse Visa Infinite* Card: Which one is better?

Get 1,200 AIR MILES Bonus Miles when you spend $1,500 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit, or debit adjustments) in the first 110 days from the Credit Card open date. Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*. This offer ends on June 1, 2026.

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.

¹ Terms and conditions apply. Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.

The BMO Air Miles Mastercard is an excellent option for those looking to collect Air Miles without paying an annual fee. With bonus earning opportunities at Air Miles partners and grocery stores, this card is ideal for regular Air Miles collectors. It also offers perks like fuel savings at Shell and a competitive balance transfer rate, making it a versatile card for everyday purchases. However, its limited rewards outside of partner stores may not make it the best fit for those who don't frequently shop at Air Miles-affiliated retailers.

This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.