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BMO rebates typically have a longer processing time compared to other financial institutions. We recommend saving your application reference number after applying for future reference.
ℹ️ Note: If your application reference number ends in "A" or "W", please file a ticket for us after your approval.
This timeline is entirely determined by BMO's internal processes. BMO independently manages their verification process and only sends approval confirmations to us once per month (around the 15th). We have no ability to expedite this process.
Once we receive confirmation from BMO, we promptly process your rebate 10 days. Without your reference number, BMO may not be able to locate your application in their system if it's missing from their report, which is outside our control.
Haven't received your rebate within 30 days of card approval?
File a Ticket** Terms and conditions apply.
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.6/5 |
Institution | BMO |
Loyalty Program |
Annual Fee | $120 (first year waived) |
Additional Card Fee | $50 |
Interest Rates | Purchase: 21.99% Cash Advance: 23.99%□ Balance Transfer: 23.99%□ □ Quebec rates: Cash advance 21.99%, Balance transfer 21.99% |
Credit Score Estimate | Good |
Annual Income | Personal: $60,000 Household: $100,000 |
Welcome Bonus | Up to $570 in value which includes up to 60,000 Bonus points and first year fee waived |
Description | 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. |
Posting Time
30-60 days from application submission
Locking Time
60 days from application approval
Application Submitted
You submit your application
Pending Verification
BMO determines your eligibility
Expected: 30 daysFinal Approval
Rebate is approved
Expected: 30 daysDon't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
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Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
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*Terms and conditions apply.
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