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Exclusive offer: Get up to $1,200 in value, including up to 80,000 BMO Rewards points, a monthly statement credit for streaming services, an annual $50 credit, and a waiver of the annual fee for the first year.
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* Card has no annual fee for the first year. Plus, you’ll receive a $50 annual credit after your first year as a cardholder.
And 1 BMO Rewards point per dollar spent everywhere else.
Here are a few examples of purchases made with my BMO eclipse Visa Infinite* Card:
As you can see, when it comes to earning points, the new BMO eclipse Visa Infinite* Card is especially focused on everyday purchases: groceries, gas, local transportation, restaurants, bars, and even food delivery services.
All 5x categories (with a Visa credit card accepted almost anywhere)!
My purchases of home food delivery (GoodFood), take-away (McDonald’s) and bakery earned me 5 points per dollar.
If you use your points for travel, that means a 3.33% return on those purchases (or 2.5% if you use the pay with points option).
For all other expenses, it will be 1 point per dollar.
I tested this on Costco.ca (which accepts both Mastercard and Visa credit cards): the purchase only earned 1 point per dollar.
If you add an authorized user to your account, you will earn 10% more points.
This means you’ll earn 5.5 points per dollar in bonus categories (groceries, gas, local transport, restaurants, bars, home food delivery). That’s a return of 3.66% if you use your points for travel purchases through BMO Rewards.
The additional card fee is $50. So you’ll need to spend at least $14,000 a year to justify 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 redeem your BMO Rewards points, you’ll need to use the BMO Rewards website. 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.
Using BMO Rewards points for travel is the best use of your points: 150 points = $1. Thus, 80,000 points have a value of $533.
Savings are this way (if you don’t see the signup form, click here):
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