BMO CashBack® Mastercard®

BMO eclipse Visa Infinite Privilege* Card

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BMO CashBack® Mastercard® vs BMO eclipse Visa Infinite Privilege* Card

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

3.2

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Finly rebate

$50

3.0

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

Get 5% cash back in your first 3 months*
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*

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.

What each card is worth

Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.

Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.

$336

First-year value

$453

$238

Every year after

-$133

BMO eclipse Visa Infinite Privilege* Card is worth $117 more to you in year one.

From year two, BMO CashBack® Mastercard® pulls ahead by $371 a year.

How the first year adds up

Annual rewards

$238.43

cash back a year

Welcome bonus

+ $97.5

first year only

Annual fee

− $0

no annual fee

First-year value

$335.93

Annual rewards

$466.16

69,576 points a year

Welcome bonus

+ $536

first year only

Annual fee

− $599

Finly rebate

+ $50

paid by FinlyWealth

First-year value

$453.16

0.67¢ a pointBMO Rewards, redeemed for Travel

Where each card earns

A year of your spending at each card's own reward rates, most first.

3%Groceries

$127.71

1%Recurring Transactions

$24

0.5%All other purchases

$86.72

5xDining

21,000 pts

$140.7

5xGrocery

16,116 pts

$107.98

5xGas

9,936 pts

$66.57

5xTravel

7,800 pts

$52.26

5xPharmacy

2,988 pts

$20.02

1xAll other purchases

11,736 pts

$78.63

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

Annual fee

$599

Additional cards

$99

Interest rates

Purchase:

21.99%¹

Cash Advance:

23.99%¹

Balance Transfer:

23.99%¹

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.

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

Min Personal Income:

$150,000

Min Household Income:

$200,000

How each card earns

The earn rates and caps, as each issuer sets them.

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

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.*

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

BMO Rewards

We count each point at 0.67¢ a point, what it's worth redeemed for Travel, its best value. Every dollar figure above uses that value.

Point redemption options

Nothing to redeem: it pays cash back.

Most Optimal

Travel

0.67¢ / point

Financial Products

0.67¢ / point

Entertainment

0.64¢ / point

Statement Credits (Cash)

0.5¢ / point

Gift Cards

0.48¢ / point

Merchandise

0.45¢ / point

Insurance and perks

What both cards include comes first in each list.

Insurance

Extended Warranty

1 year

Purchase Protection

90 days

Extended Warranty

triples up to 2 years

Purchase Protection

120 days

Lost or Stolen Baggage

$1,000/person, $2,500/trip

Baggage Delay

$500/person, $1K/trip

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 (64 & under)

$5M up to 22 days/person

Travel Medical Insurance (65 to 75)

$5M up to 3 days/person

Trip Cancellation

$2,500/person, $5,000 trip

Trip Interruption

$5,000/person, $25,000 trip

Flight Delay

$1,000

Perks

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.*

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.

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

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

Our take

Why we like it

This is a great basic cashback credit card for those that prefer no annual fees while getting one of the highest cashback rates on groceries. You also have the additional benefit of redeeming cashback at any point without needing to wait.

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.