Working hard in the background...
Side by Side Credit Cards Comparison
BMO eclipse Visa Infinite Privilege* CardVSBMO VIPorter 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 VIPorter Mastercard®∗
3.8
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
- 10,000 bonus VIPorter points after spending $3,000 in eligible purchases within the first 110 days*
- 15,000 bonus VIPorter points + 35%-off flight discount voucher (valid for up to 3 companions) after spending $6,000 in eligible purchases within the first 180 days*
- 15,000 bonus VIPorter points after spending $10,000 in eligible purchases within the first 365 days*
- Annual 35%-off flight booking discount when you spend $25,000 within 365 days of account opening*
- Offer ends October 31, 2026*
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
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
- Earn 2 points for every $1 spent on eligible Porter purchases via flyporter.com (up to $10,000 in spending annually)
- Earn 1 point for every $1 spent on eligible gas and transportation purchases (up to $3,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible groceries and dining purchases (up to $5,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible hotel accommodation purchases (up to $3,000 in spending annually)
- Earn 0.5 points for every $1 spent everywhere else
- Primary cardholders will receive an annual discount of 35% on a Porter flight booking after spending a minimum of $25,000 in eligible purchases. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period (The flight voucher allows up to 3 companions to accompany the primary cardholder at a 35% discount on the flight booking’s base fare).
Insurance Included
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
Extended Warranty
triples up to 2 years
Purchase Protection
120 days
Hotel Burglary Insurance
$2,500
Travel Medical Insurance (64 & under)
$5M up to 22 days/personFlight Delay
$1,000
Mobile Device Insurance
$1,000Travel 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
Insurance Included
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedBaggage Delay
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedCar Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000Common Carrier Travel Accident Insurance
Up to $500,000 per insured personExtended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combinedTravel Medical Insurance (64 & under)
Up to $5M per insured person, per trip, for 8 days per tripFlight Delay
Up to a maximum of $500 per trip for all insured persons combined
Extra Benefits
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Priority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
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
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
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las VegasDiscount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
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 toolHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
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
$599
Annual Fee
$89
$0$
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
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
Porter airline and partner flights
1.5¢ / point
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?
This is one of the only credit cards in Canada that directly earns you VIPorter points and gives you premium travel benefits like priority security screening, early boarding and priority re-accommodation for flight delays on Porter (and its partners) flights. For frequent Porter travelers, this is a great low-fee card that can fast track your VIPorter status and earn even more travel benefits, although the rewards may be a bit lackluster.
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- Comprehensive insurance
- Lounge access
Pros
- First-year fee rebate
- Generous welcome bonus
- High value Porter redemptions
Cons
- High annual fee
- High income requirements
- Low point value
Cons
- Low spending caps
- Flight discount spending requirement
- Limited redemption opportunities
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.
* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and January 31, 2026 (the "Offer Period") to be eligible for this offer. This offer is not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If the Credit Card is cancelled within 365 days from the date it was opened, the welcome bonus earned within that period may be cancelled. This offer may be withdrawn or changed without notice.
*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.