Side by Side Credit Cards Comparison

BMO eclipse Visa Infinite* Card

BMO eclipse Visa Infinite Privilege* Card

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BMO eclipse Visa Infinite* CardVSBMO eclipse Visa Infinite Privilege* Card

Which one is better?

BMO eclipse Visa Infinite* Card

3.6

Our Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

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BMO eclipse Visa Infinite Privilege* Card

3.0

Our Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Welcome Bonus

Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
30,000 points when you spend $4,000 in the first 110 days, plus 20,000 points when you spend at least $7,000 in the first 6 months. Receive an additional 20,000 points when you spend at least $12,000 in the first year.

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.

Our Cash Offer

$120 Cash Rebate offer from FinlyWealth

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Our Cash Offer

$50 Cash Rebate offer from FinlyWealth

View Offer

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, gas and transit.*
Get 1 BMO Reward for every $1 spent on everything else.*

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

Car Rental Damage & Theft

$65K up to 48 days

Common Carrier Travel Accident Insurance

$500,000

Mobile Device Insurance

$1,000

Extended Warranty

1 year

Purchase Protection

90 days

Travel Medical Insurance (64 & under)

$5M up to 15 days

Insurance Included

Car Rental Damage & Theft

$85,000 up to 48 days

Common Carrier Travel Accident Insurance

$500,000/person

Mobile Device Insurance

$1,000

Extended Warranty

triples up to 2 years

Purchase Protection

120 days

Travel Medical Insurance (64 & under)

$5M up to 22 days/person

Lost or Stolen Baggage

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

Baggage Delay

$500/person, $1K/trip

Hotel Burglary Insurance

$2,500

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

Extra Benefits

Visa Infinite Exclusive Benefits

Exclusive luxury hotel collection, unique dining and wine events

Concierge Services

Discount

Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

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

Get a $50 anniversary lifestyle credit

Extra Benefits

Visa Infinite Exclusive Benefits

Visa Infinite luxury hotel collection, dining series and wine country

Concierge Services

Visa Infinite Privilege Concierge like having a personal assistant on speed dial

Discount

Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

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

Airport Lounge - Dragon Pass

Visa Airport Companion membership and 6 complimentary airport lounge visits per year

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

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

$120

$0$

$0 first year

Annual Fee

$599

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Loyalty Program

BMO Rewards

Loyalty Program

BMO Rewards

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

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

Is this card worth it?

This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.

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