Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information about any information on any advertiser product, please visit their website. We receive compensation from some financial institutions listed on this site. Although we are compensated for each approved financial product through our website’s affiliate links, our research and content are based on an objective analysis. †Terms and conditions apply.
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:
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:
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.
Would you like a Visa credit card earning 5 points per dollar at many stores for a lower annual fee? Check out this offer for the BMO eclipse Visa Infinite Card!
The BMO eclipse Visa Infinite Privilege* Card is aimed at the more mature traveller!
Note that unlike the BMO eclipse Visa Infinite* card, the Visa Infinite Privilege version allows you to accumulate 5 points per dollar for travel and pharmacy purchases (excluding the local transportation category).
Groceries, gas, home food delivery, restaurants and bars are maintained at 5 points per dollar. That’s a lot of 5x categories!
So, if you use your points earned through all these purchases for travel, that means a return of 3.33%! It’s very rare that a credit card offers more than 3% for travel or even drugstore purchases!
If you add an authorized user to your account, you will earn 25% more points.
This means you will earn 6.25 points per dollar in bonus categories (groceries, gas, pharmacies, travel, restaurants, bars, home food delivery). This represents a return equivalent to 4.17% if you use your points for travel purchases through BMO Rewards.
The additional card fee is $99. Therefore, at least $11,000 per year will be needed to justify the addition of 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 use your BMO Rewards points for travel, you can visit the BMO Rewards platform. 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.
But be aware that you can now also book with any travel provider and get the same value from your BMO Rewards points.
Using BMO Rewards points for travel is the best use of your points: 150 points = $1. So 120,000 points are worth $800.
For example, if you spend $3,000 per month in the 5-point-per-dollar categories with the BMO eclipse Visa Infinite Privilege Card* (groceries, pharmacy, restaurants and bars, home food delivery, gas, travel), you will earn 15,000 points per month, worth $100 for travel.
Over the course of a year, that’s nearly $1,200 you can earn this way! Enough to pay for a flight or several hotel nights!
And 25% more when you add an additional card to the account.
Please note that you can also use your BMO Rewards points for any purchase made on your card, starting from $1!
Here, 200 points = $1. So 40,000 points have a $200 value.
In terms of insurance, the BMO eclipse Visa Infinite Privilege Card* includes:
The BMO eclipse Visa Infinite Privilege* Card comes with a $200 annual credit that you can use as you wish.
It’s nearly paying for the $499 first-year annual fee. This card also comes with 6 Priority Pass airport lounge access passes, which is worth over $200 per year.
With the BMO eclipse Visa Infinite Privilege Card*, you benefit from 6 annual accesses to DragonPass member VIP lounges.
In Montreal, for example, you can access the National Bank Lounge or the Air France Lounge.
In Quebec City, at the Club Med VIP Lounge, in Calgary at the WestJet Elevation Lounge, or in one of the many Plaza Premium lounges elsewhere in Canada.
Effective December 15, 2025, you can receive a reimbursement for NEXUS application fees worth up to $200. However, this credit is only applicable during your first year as a cardholder.
To do this, simply charge your BMO eclipse Visa Infinite Privilege Card* membership or renewal fees to your NEXUS program. You will then see this credit appear on your credit card account.
With the BMO eclipse Visa Infinite Privilege Card*, you benefit from various advantages reserved for Visa Infinite Privilege credit card holders:
And that’s not counting the other Visa Infinite Privilege benefits such as priority airport security screening, dedicated taxi and limousine services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more.
The BMO eclipse Visa Infinite Privilege* Card is great for everyday expenses like groceries or food delivery.
In this sense, being able to earn 5 points per dollar on these types of purchases with a Visa card (accepted almost everywhere), for an effective return of more than 3.33%, 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.
During the second year, the annual fee is equal to $299 for the BMO eclipse Visa Infinite Privilege* card (after the $200 annual credit) That way, you can enjoy Visa Infinite Privilege Benefits at a lower cost! That way, you can enjoy Visa Infinite Privilege Benefits at a lower cost!
The BMO eclipse Visa Infinite* Privilege Card requires a minimum individual income of $150,000 or a minimum household income of $200,000.
Savings are here (if you don’t see the sign-up form, please click here):
You can change your preferences or opt out at any time by clicking on one of the hyperlinks available at the bottom of each newsletter.
If you are already a subscriber and would like to unsubscribe, you can click on the link at the bottom of any of our e-mails.
