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Side by Side Credit Cards Comparison
BMO eclipse Visa Infinite Privilege* CardVSBMO Preferred Rate Mastercard®
Which one is better?
BMO eclipse Visa Infinite Privilege* Card
3.0
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
BMO Preferred Rate Mastercard®
3.6
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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.
- 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.
Welcome Bonus
Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
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.*
How to Earn Rewards
No rewards earned on this card
Insurance Included
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.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 (64 & under)
$5M up to 22 days/personTravel 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 tripFlight Delay
$1,000
Insurance Included
Extended Warranty
Doubled up to 1 yearPurchase Protection
90 days
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
Extra Benefits
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Interest Rates
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 2% which will be charged to your account on the date the balance transfer is posted to your Account.
Annual Fee
$599
Annual Fee
$29
$0$
First Year Rebated
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
N/A
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
Point Redemption Options
Not Applicable
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.
Is this card worth it?
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.
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- Comprehensive insurance
- Lounge access
Pros
- Low interest rates
- Balance transfer welcome bonus
Cons
- High annual fee
- High income requirements
- Low point value
Cons
- Annual fee
- Lacks significant benefits
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.
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.
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.