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Milesopedia.com has been a BMO partner since 2015. Here is the current offer:
By applying for our offer for the BMO eclipse Visa Infinite* Card, you can obtain up to 70,000 BMO Rewards points as well as the first-year annual fee waiver of $120:
What’s more, you’ll receive a $50 anniversary credit that you can use as you please. You also receive a $20 monthly credit for streaming service subscriptions for the first year.
With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:
And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add an authorized user to your account, you’ll earn 10% more points.
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.
The BMO eclipse Visa Infinite* Card has no annual fee for the first year. Plus, you’ll receive a $50 annual credit after your first year as a cardholder.
And 1 BMO Rewards point per dollar spent everywhere else.
Here are a few examples of purchases made with my BMO eclipse Visa Infinite* Card:
As you can see, when it comes to earning points, the new BMO eclipse Visa Infinite* Card is especially focused on everyday purchases: groceries, gas, local transportation, restaurants, bars, and even food delivery services.
All 5x categories (with a Visa credit card accepted almost anywhere)!
My purchases of home food delivery (GoodFood), take-away (McDonald’s) and bakery earned me 5 points per dollar.
If you use your points for travel, that means a 3.33% return on those purchases (or 2.5% if you use the pay with points option).
For all other expenses, it will be 1 point per dollar.
I tested this on Costco.ca (which accepts both Mastercard and Visa credit cards): the purchase only earned 1 point per dollar.
If you add an authorized user to your account, you will earn 10% more points.
This means you’ll earn 5.5 points per dollar in bonus categories (groceries, gas, local transport, restaurants, bars, home food delivery). That’s a return of 3.66% if you use your points for travel purchases through BMO Rewards.
The additional card fee is $50. So you’ll need to spend at least $14,000 a year to justify the additional card. And if you spend more, you’ll get more value!
You can use your BMO Rewards points in many ways:
Let’s analyze the two most common uses of BMO Rewards points.
To redeem your BMO Rewards points, you’ll need to use the BMO Rewards website. You can redeem BMO Rewards points for different types of trips:
The rate is similar to what you might find with other online travel agencies.
Using BMO Rewards points for travel is the best use of your points: 150 points = $1. Thus, 70,000 points are worth $466.
For example, if you spend $1,500 a month in 5 points-per-dollar categories with the BMO eclipse Visa Infinite* Card (groceries, restaurants and bars, home food delivery, gas, local transportation), you’ll earn 7,500 points a month, a $50 value for travel.
Over the course of a year, you can accumulate $600 this way! That’s enough to get a free plane ticket or several free hotel nights to many destinations, and 10% more when you add an additional card to the account.
You can also use your BMO Rewards points for any purchase made on your card, starting at $1.
Here, 200 points = $1. Thus, 70,000 points are worth $350.
When it comes to insurance, the new BMO eclipse Visa Infinite* Card includes:
Are you looking for a Visa credit card that lets you earn 5 points per dollar at a wide range of retailers, offers excellent insurance coverage, and provides VIP lounge access? Check out this offer for the BMO eclipse Visa Infinite Privilege Card!
With the BMO eclipse Visa Infinite* Card, you benefit from various advantages reserved for Visa Infinite credit card holders:
The BMO eclipse Visa Infinite* Card was launched at a time when travel had come to a halt, and day-to-day expenses such as groceries and home food delivery had taken precedence over other types of spending.
In this sense, earning 5 points per dollar on this type of purchase with a Visa card (accepted almost everywhere) for an effective return of more than 3.5% is particularly interesting.
The addition of an annual credit applicable to any purchase (not just travel like other credit cards), is a way of virtually lowering the annual fee for loyal customers.
In the second year, the contribution reverts to $70 for BMO eclipse Visa Infinite* Card (once the $50 credit has been deducted). This allows you to enjoy the benefits of a Visa Infinite credit card at a lower cost, year after year.
This offer, allowing you to earn up to 70,000 BMO Rewards points (or the equivalent of $466 in travel rewards), is ideal for your upcoming travels!
The BMO eclipse Visa Infinite* Card requires a minimum individual income of $60,000 or a minimum family income of $100,000.
Savings are here (if you don’t see the sign-up form, please click here):
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