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!

Welcome offers BMO eclipse Visa Infinite* Card BMO eclipse Visa Infinite Privilege* Card BMO: Annual Lifestyle Credit Lower annual fees with credit

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BMO eclipse Visa Infinite* Card

Up to 70,000 Points Ends May 31, 2024

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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.

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 on the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points as well as a$120 annual fee waiver 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.

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.

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 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 get a $200 annual lifestyle credit – per calendar year – to spend however you want.

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.

BMO: Annual Lifestyle Credit

BMO offers an annual credit called “lifestyle”:

$50 with the BMO eclipse Visa Infinite.
$200 with the BMO eclipse Visa Infinite Privilege* Card.

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.

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!