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BMO Eclipse credit cards were recently launched in Canada. Each of these card offers an annual credit called “lifestyle credit”. Find out everything you need to know about this credit below.
Here are the current welcome offers for each of the two cards.
By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*
In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services 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 a supplementary card to your account, you’ll earn 10% more points*.
You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, 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 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.
Update: From 2024-2025, this lifestyle credit will be based on the calendar year, rather than the year in which the card is held. You won’t be able to have it “twice”. We leave this article as an archive.
BMO offers an annual credit called “lifestyle”:
Unlike other card that require you to use this type of credit for travel, with BMO you can use it as you wish.
To obtain this account credit, simply charge a purchase over $50 to your BMO eclipse Visa Infinite* Card or over $200 to your BMO eclipse Visa Infinite Privilege* Card.
You will see your Lifestyle Credit on your BMO credit card account on the statement following your expense over $50 or $200.
This is done every calendar year. In fact, the clock resets on January 1st of each year.
So, in your first year as a BMO eclipse Visa Infinite* Card or BMO eclipse Visa Infinite Privilege* Card holder, you could get this credit twice!
For example, if you sign up for the BMO eclipse Visa Infinite* Card in July, you’ll earn your $50 credit by making any purchase of $50 or more between now and December 31. And you’ll be able to get a $50 credit again when you make any purchase of $50 or more after January 1!
BMO Eclipse credit cards have an annual fee:
With the Lifestyle Credit, this contribution is virtually reduced from $50 to $200. This makes the net annual cost of the card:
This makes them the lowest cost Visa Infinite and Visa Infinite Privilege credit card in Canada.
We currently have an exclusive welcome offer for Milesopedia readers for the BMO eclipse Visa Infinite* Card:
In your calculations, don’t forget to add this annual credit: in the first year, you could get it twice, a total value of $100!
Savings are this way (if you don’t see the signup form, click here):
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