BMO eclipse Visa Infinite Privilege* Card

BMO Preferred Rate Mastercard®*

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BMO eclipse Visa Infinite Privilege* Card vs BMO Preferred Rate Mastercard®*

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

Finly rebate

$50

3.0

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Our review Rewards calculator

4.5

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Our review

Welcome bonus

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

The offer

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.

Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate.*

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.

$453

First-year value

Doesn't earn rewards

-$133

Every year after

Doesn't earn rewards

Only BMO eclipse Visa Infinite Privilege* Card earns rewards we can work out.

Compare the fees, rates and perks below.

How the first year adds up

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

No figures for this card.

Where each card earns

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

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

Doesn't earn rewards

Fees, rates and eligibility

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

$599

Annual fee

$29

$0 the first year

$99

Additional cards

Interest rates

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Purchase:

13.99%²

Cash Advance:

15.99%²

Balance Transfer:

15.99%²

² Terms and conditions apply. Each balance transfer is subject to a fee of 3% which will be charged to your account on the date the balance transfer is posted to your Account.

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:

$150,000

Min Household Income:

$200,000

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

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

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.*

No rewards earned on this card

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

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.

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

Point redemption options

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

Nothing to redeem: it pays cash back.

Insurance and perks

What both cards include comes first in each list.

Insurance

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

Extended Warranty

Doubled up to 1 year

Purchase Protection

90 days

Perks

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

Discount

Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Our take

Why we like 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.

If you plan to carry a balance on your credit card, this card offers a very low interest rate. However, there are other cards with no annual fee and slightly lower interest rates that you might want to consider as well.