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Side by Side Credit Cards Comparison
BMO AIR MILES® World Elite®* Mastercard®*VSBMO eclipse Visa Infinite* Card
Which one is better?
BMO AIR MILES® World Elite®* Mastercard®*
3.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
BMO eclipse Visa Infinite* Card
3.6
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your first year.* Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Welcome Bonus
Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
Our Cash Offer
N/A
Our Cash Offer
$125 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$462.76
Air Miles
First Year Bonus Value
+
$1,260
Air Miles
Annual Fee
-
$120
$0
First Year Rebated
First Year Value
$1,722.76
$342.76 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$481.11
BMO Rewards
First Year Bonus Value
+
$469
BMO Rewards
Annual Fee
-
$120
$0
First Year Rebated
Finly Rebate
+
$125Exclusive Offer
First Year Value
$1,075.11
$361.11 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 3x Miles points per $12 spent at participating AIR MILES Partners
- 2x Miles points per $12 spent on eligible grocery, liquor and wholesale store purchases
- 1x Mile point per $12 spent on all other eligible purchases
How to Earn Rewards
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
Insurance Included
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Car Rental Damage & Theft
$65,000 up to 48 days
Common Carrier Travel Accident Insurance
$500,000/person
Extended Warranty
double up to 1 year
Purchase Protection
90 days
Travel Medical Insurance
$5M up 15 days/person
Lost or Stolen Baggage
$500/person, $1K/trip
Baggage Delay
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000
Trip Cancellation
$1.5K/person, $5K/trip
Trip Interruption
$1.5K/person, $10K/tripFlight Delay
$500
Insurance Included
Car Rental Damage & Theft
$65K up to 48 daysCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
90 daysTravel Medical Insurance
$5M up to 15 days
Mobile Device Insurance
$1,000
Extra Benefits
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Annual 25% discount on one worldwide AIR MILES flight redemptionDiscount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Car Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-Car
Airport Lounge - Dragon Pass
Pass only - complimentary visits not included.svg)
Status lift
Automatic Air Miles Onyx status
Extra Benefits
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events.svg)
Concierge Services
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
Anniversary Credit
Get a $50 anniversary lifestyle credit
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Annual Fee
$120
$0$
First Year Rebated
Annual Fee
$120
$0$
First Year Rebated
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Travel
18¢ / point
Statement Credits (Cash)
10¢ / point
Merchandise
9¢ / point
Point Redemption Options
Most Optimal
Travel
0.67¢ / pointStatement Credits (Cash)
0.5¢ / pointMerchandise
0.45¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
Gift Cards
0.48¢ / point
Is this card worth it?
The BMO Air Miles World Elite Mastercard is ideal for frequent Air Miles collectors looking for premium travel benefits and a strong rewards rate. With up to 7,000 bonus miles, a 25% annual flight discount, and automatic Onyx status, this card offers substantial value for those who frequently shop at Air Miles partners and travel often. Its comprehensive insurance coverage and first-year fee waiver also add to its appeal, though the high income requirement may limit its accessibility.
Is this card worth it?
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.
Pros
- Increased rewards
- Travel perks
- Air Miles Onyx status
- Comprehensive insurance
- First-year fee rebate
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- first-year fee rebate
Cons
- High income requirements
- Lower rewards by comparison
Cons
- Lower point value
- High income requirements
- Limited insurance
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO eclipse Visa Infinite Privilege* Card
vs BMO CashBack® World Elite® Mastercard®
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO eclipse Visa Infinite Privilege* Card
vs BMO CashBack® World Elite® Mastercard®
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.
*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.