Offer

Welcome offer: Get up to 120,000 points worth $800 in travel rewards and a $200 anniversary lifestyle credit when you reach your first anniversary

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 Anniversary 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*
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*

Fees & Conditions

Personal Income $150,000

Household Income $200,000

Annual Fee $599

First Additional Card $99

Other Additional Card $99

Foreign Transaction Fee 2.5%

Purchase Rates 21.99%

Cash Advance Rates 23.99%

Balance Transfer Rates 23.99%

Cash Advance Rate (QC) 21.99%

Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards

Your Monthly Spending

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

$800

0 $

Annual Credit

$200

VIP Lounges

$240

First year offer value

$1,240

Rewards Earned

$480

Annual fee

$599

Net value

$1,121

$321

How we value points and benefits.

Advantages

Offer ends on Jun 1, 2025

Welcome Bonus amount Up to 120,000 Points

Minimum Spending Required $75,000

Minimum Spending Timeframe (Months) 12 month(s)

Annual Credit

VIP Lounges

Lounge Annual Visits included 6

Travel Credits

Earnings

Per dollar of purchases

All Spending 1 Point

Groceries 5 Points

Gas 5 Points

Dining and Food delivery 5 Points

Convenience Stores 1 Point

Drugstores 5 Points

Local Transport 1 Point

Travel 5 Points

Entertainment 1 Point

Recurring Payments 1 Point

Telecom/Internet 1 Point

Streaming services 1 Point

Online transactions 1 Point

Office Supplies 1 Point

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

$5,000,000

21 day(s)

Travel medical insurance up to 64 years old

$5,000,000

21 day(s)

Travel medical insurance 65+

$5,000,000

3 day(s)

Trip Cancellation Insurance

$2,500

Trip Interruption Insurance

$2,000

Common Carrier Travel Accident Insurance

$500,000

Flight Delay Insurance

$1,000

Delayed Baggage Insurance

$1,000

Lost/Stolen Baggage Insurance

$2,500

Auto Rental Loss/Insurance

$65,000

48 day(s)

Hotel/Motel Burglary Insurance

$2,500

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

$1,000

1 year

Price Protection

Insurance Document

Our review

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! With this card, you can earn up to 120,000 BMO Rewards points:

50,000 points when you spend $6,000 in the first 3 months
30,000 points after $30,000 in card purchases in the first six months
40,000 points at annual card renewal if you have made $75,000 in card purchases in the first 12 months

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a Visa Airport Companion membership with 6 complimentary airport lounge visits per year.

With this Card, you earn 5 BMO Rewards points per dollar of purchases for:

Groceries
Gas
Drugstores
travel purchases
Dining
Food delivery

And 1 BMO Rewards point for every $1 spent on everything else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Milesopedia Links