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BMO Eclipse: How to get the $50 or $200 credit?

To the point BMO Eclipse credit cards offer a lifestyle credit from $50 to $200. Here's how to get it every year!

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.

Welcome offers

Here are the current welcome offers for each of the two cards.

BMO eclipse Visa Infinite* Card

When you sign up for our exclusive offer for the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points and have the$120 annual fee waived for the first year:

  • 40,000 points after $3,000 in purchases in the first three months
  • 30,000 points at annual renewal if you have made $25,000 in purchases with the card in the first 12 months

Plus, you’ll get a $50 annual lifestyle credit – per calendar year – to spend however you want.

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

  • Groceries
  • Dining
  • Food delivery
  • Gas
  • Transit

And 1 BMO Rewards point for every $1 spent on everything else. Plus, if you add an authorized user to your account, you’ll earn 10% more points.

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege Card* is a premium metal card! With this card , you can earn up to 90,000 BMO Rewards points:

  • 50,000 points when you spend $6,000 in the first 3 months
  • 40,000 points twelve months after the Credit Card account open date after you spend a minimum of $100,000 within the first twelve months

Plus, you’ll get a $200 annual lifestyle credit – per calendar year – to spend however you want. As well as a Priority Pass membership with 6 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.

BMO: Annual Lifestyle Credit

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.

For example, to obtain this account credit, all you have to do is charge a purchase of more than $50 to your BMO eclipse Visa Infinite* Card or more than $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.

bmo lifestyle credit

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 or BMO eclipse Visa Infinite Privilege* cardholder, you could get this credit twice!

For example, if you sign up for the BMO eclipse Visa Infinite* Card in July, you will 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!

Lower annual fees with credit

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.

Conclusion

Currently, we have an exclusive welcome offer for Milesopedia readers for the BMO eclipse Visa Infinite* Card:

  • Up to 70,000 welcome bonus points
  • First-Year Free

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!

Come to discuss that topic in our Facebook Group!

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