Working hard in the background...
Side by Side Credit Cards Comparison
Students – BMO CashBack® Mastercard®*VSBMO eclipse Visa Infinite Privilege* Card
Which one is better?
Students – BMO CashBack® Mastercard®*
4.8
RECOMMENDED CREDIT SCORE*
300⁎Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
BMO eclipse Visa Infinite Privilege* Card
3.0
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Get up to 5% cash back in your first 3 months, up to $2,500 in spend (max $125 cashback). This offer ends on January 31, 2026.
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. Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
Our Cash Offer
$25 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$252.62
First Year Bonus Value
+
$95.98
Annual Fee
-
$0
Finly Rebate
+
$25Exclusive Offer
First Year Value
$373.6
$252.62 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$519.71
BMO Rewards
First Year Bonus Value
+
$536
BMO Rewards
Annual Fee
-
$599
Finly Rebate
+
$50Exclusive Offer
First Year Value
$506.71
-$79.29 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 3% cash back on grocery purchases (maximum $15 per statement)
- 1% cash back on recurring payments like bills or subscriptions (maximum $5 per statement)
- 0.5% cash back on all other purchases
How to 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 Included
Extended Warranty
1 year
Purchase Protection
90 days
Insurance Included
Extended Warranty
triples up to 2 yearsPurchase Protection
120 days
Lost or Stolen Baggage
$1,000/person, $2,500/trip
Baggage Delay
$500/person, $1K/trip.svg)
Car Rental Damage & Theft
$85,000 up to 48 days
Common Carrier Travel Accident Insurance
$500,000/person
Mobile Device Insurance
$1,000
Hotel Burglary Insurance
$2,500
Travel Medical Insurance
$5M up to 22 days/personTravel Medical Insurance (65+)
$5M up to 3 days/person
Trip Cancellation
$2,500/person, $5,000 trip
Trip Interruption
$5,000/person, $25,000 tripFlight Delay
$1,000
Extra Benefits
Discount
Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas.Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card. Terms apply.
Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool.Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.
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
Visa Infinite luxury hotel collection, dining series and wine country
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year.svg)
Concierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dial
Extra points
Earn 25% more points on all purchases when you add an authorized user to your account
Priority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
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
$200 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
$0
Annual Fee
$599
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
Is this card worth it?
We consider this card to be the best student credit card in Canada for it's competitive cashback rewards (3% on groceries, 1% on recurring bills), no annual fee and a generous welcome bonus. Plus, cashback redemption is flexible so no need to wait a year each time you want to get your cashback paid out.
Is this card worth it?
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.
Pros
- No annual fee
- Solid cashback optimization
- Shell fuel discounts
- Hotel booking discounts
- Entertainment discounts
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- Comprehensive insurance
- Lounge access
Cons
- Low base earn rate
- Limited insurance
Cons
- High annual fee
- High income requirements
- Low point value
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® World Elite®* Mastercard®*
vs BMO CashBack® Mastercard®
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO eclipse Visa Infinite* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO CashBack® World Elite® Mastercard®
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® World Elite®* Mastercard®*
vs BMO CashBack® Mastercard®
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse rise Visa* Card
vs BMO eclipse Visa Infinite* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO CashBack® World Elite® Mastercard®
Legal
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.