Bmo Eclipse Visa Infinite

Exclusive Offer: Up to 70,000 points with the BMO eclipse Visa Infinite Card!

To the point Take advantage of our exclusive offer for the BMO eclipse Visa Infinite Card: up to 70,000 points and first-year free!
Milesopedia recommends this card from BMO

This post is also available in: FR

Exclusive Welcome Offer

Milesopedia.com has been a BMO partner since 2015. As such, BMO has exclusive offers on some of its products that you won’t find on the BMO website!

For example:

To benefit from these exclusive offers, you must apply through our affiliate links. By doing so, you will get a much higher welcome bonus than the current offer for other customers, and you will support the development of Milesopedia and its community!

Today we have a new exclusive offer from BMO for Milesopedia readers:

70,000 BMO Rewards points

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.

$50 Annual lifestyle credit

The new BMO eclipse Visa Infinite* Card is free for the first year. Besides, it comes with a $50 annual credit with a calendar year cycle.

So, if you sign up for this Card between January and December 2023, you could benefit from the $50 annual credit for the year 2023, and have a new $50 annual credit available in January 2024! That’s $100 for you to use as you see fit!

However, from January 2025, this annual credit will be based on the year in which the card is held, rather than the calendar year.

Bmo Eclipse Credit Life Style
BMO - Lifestyle Credit

Earning points

With the new BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar in purchases for:

  • Groceries
  • Dining
  • Food delivery
  • Gas
  • Transit

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

Here are a few examples of what I’ve purchased with my new BMO eclipse Visa Infinite* Card:

Bmo Eclipse Points

As you can see, in terms of points accumulation, the new BMO eclipse Visa Infinite* Card focuses on everyday purchases: groceries, gasoline, local transportation, restaurants, bars and even home food delivery.

All 5x categories (with a Visa credit card accepted almost anywhere)!

I’ve earned 5 points per dollar for my purchases on food delivery (GoodFood), take-out restaurant (McDonald’s) or bakery.

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 purchases, you’ll earn 1 point per dollar.

I’ve also purchased something on Costco.ca (which accepts Mastercard AND Visa credit cards): I’ve only earned 1 point per dollar.

Bmo Eclipse Visa Infinite

10% more points with supplemental cardholders

If you add an authorized user to your account, you will earn 10% more points.

So you will earn 5.5 points per dollar in the bonus categories (groceries, gas, local transportation, restaurants, bars, 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. Therefore, to break even, you’ll need to spend at least $14,000 per year. And if you spend more, you’ll get more value!

Banner Eclipse Fr

Using points

You can use your BMO Rewards points in many ways:

  • Travel
  • Pay with your points option for any purchase
  • Products or gift cards
  • Investment

Let’s analyze the two most common uses of BMO Rewards points.

Bmo Eclipse Visa Infinite

Redeem your BMO Rewards Points for travel

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:

  • flights
  • hotel nights
  • Car rentals
  • Vacation packages
  • Cruises

Prices are the same as other travel agencies.

Santorini

Using BMO Rewards points for travel is the best use of your points: 150 points = $1. For example, 60,000 points worth $400.

For example, if you spend $1,500 per month in the 5 points per dollar with the new BMO eclipse Visa Infinite* Card (groceries, restaurants and bars, home food delivery, gasoline, local transportation), you’ll earn 7,500 points per month, a $50 value for travel.

Over a year, that’s $600 you can earn this way! You can get a free flight or several free hotel nights for many destinations. And 10% more if you add an authorized user to your account.

Redeem BMO Rewards points for all purchases

You can also use your BMO Rewards points for any purchase made on your card, starting at $1.

Here, 200 points = $1. For example, 60,000 points worth $300.

Eclipse Bmo Stock

Insurance

The new BMO eclipse Visa Infinite* Card includes insurance:

  • Travel Emergency Medical Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Travel Accident Insurance
  • Mobile device insurance
  • Purchase security insurance
  • Extended warranty

Would you like a Visa credit card earning 5 points per dollar in many stores, with excellent insurance and free visits to VIP lounges? Check out this offer for the BMO eclipse Visa Infinite Privilege Card!

Visa Infinite Benefits

With the new BMO eclipse Visa Infinite* Card, you benefit from a range of advantages reserved for Visa Infinite credit card holders:

  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Concierge
  • Visa Infinite Wine Country
  • Visa Infinite Dining Series
  • Entertainment
  • Troon Golf Benefit
Bmo Eclipse Benefits Visa Fr
Bmo Eclipse Benefits Visa Fr

Bottom Line

The BMO eclipse Visa Infinite* Card was launched at a time when travel had ceased, and everyday expenses such as groceries and home food delivery had taken precedence over other types of spending.

In this sense, earning 5 points per dollar on this type of purchase with a Visa card (accepted almost everywhere) for an effective return of more than 3.5% is particularly interesting.

And thanks to an annual statement credit you can use however you want (and not just travel like other credit cards), it’s a way for BMO to “virtually” lower the annual fee for loyal customers.

In the second year, the fee is $70 for the BMO eclipse Visa Infinite* Card (after deducting the $50 credit). This can provide the benefits of a Visa Infinite credit card at a reduced cost, year after year!

With travel starting up again this year, this exclusive offer to earn up to 70,000 BMO Rewards points (or $467 in travel rewards) is a welcome addition to your upcoming travels!

The new BMO eclipse Visa Infinite* Card requires a minimum individual income of $60,000 or a minimum family income of $100,000.

This post is also available in: FR

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Jean-Maximilien
Jean-Maximilien is an expert in Canada and France about Loyalty programs, Credit cards and Travel. He is the Founding President of Milesopedia.

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