Pros
- ✓Welcome Bonus: 200,000 points
- ✓Up to 5x on Groceries
- ✓Airport lounge access
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗High annual fee ($599/yr)
- ✗Foreign Transaction Fee (2.5%)
Our Review
The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:
- 80,000 points after $6,000 in purchases within the first 110 days of account opening
- 40,000 points after $40,000 in purchases within the first 180 days of account opening
- 80,000 points after $75,000 in purchases within the first 365 days of account opening
Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.
Plus, you’ll receivea $200 anniversary credit to use as you wish!
As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.
With this Card, you can earn 5 BMO Rewards points per dollar spent on:
- Groceries
- Gas
- Drugstores
- Travel
- restaurants and bars
- Food delivery
And 1 BMO Rewards point per dollar spent everywhere else.
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.
Offer ends: 2026-10-31
Rewards
All Spending
1x
BMO Rewards pts per dollar
Groceries
5x
Gas
5x
Pharmacy
5x
Restaurants
5x
Travel
5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
81,000
BMO Rewards/yr
Estimated Value
$543
After Fees
$-56
1st Year Value
$1,284
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $5,000,000 / 21 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $2,000
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $2,500
Flight Delay
Up to $1,000
Hotel Burglary
Up to $2,500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Balance Transfer Promo0%
- Foreign Transaction Fee2.5%
Perks & Benefits
Airport Lounge
6 visits/year
Travel Credits
Included
Annual Statement Credit
$200/year
Eligibility
Personal Income
$150,000
Household Income
$200,000
Terms & Conditions
Card Features
Welcome offer : 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.
Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
- 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*
- Get a $200 annual lifestyle credit to spend however you want.*
- Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
- Earn 25% more points when you add an authorized user to your account.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
- Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
- Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country.*
Legal
*Terms and conditions apply
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