BMO eclipse Visa Infinite* Card vs BMO Preferred Rate Mastercard®: Which one is better?

Get up to $570 in value which includes up to 60,000 Bonus points, $50 anniversary lifestyle credit and no annual fee in your first year.* Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by an additional 2,500 points monthly for up to 12 months by spending $2,000 each month. The $120 annual fee is waived for the first year. Offer ends on January 31, 2026.

Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee*

N/A

N/A

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.

N/A

Not Applicable

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.

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.