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.
Would you like a Visa credit card earning 5 points per dollar at many stores for a lower annual fee? Check out this offer for the BMO eclipse Visa Infinite Card!
$200 Annual Lifestyle Credit
Besides, this new BMO eclipse Visa Infinite Privilege* Card comes with a $200 lifestyle annual credit with a calendar year cycle.
So, if you sign up for this Card in 2022, you could get the $200 annual credit for 2022, and have a new $200 annual credit in January 2023! That’s $400 you can use however you want!
It’s nearly paying for the $499 first-year annual fee. This card also comes with 6 airport lounge visits per year—about a $200 value per year, in our opinion.
With this card , you can earn 5 BMO Rewards points for every $1 in purchases:
- travel purchases
- Food delivery
And 1 BMO Rewards point for every $1 spent on everything else.
The new BMO eclipse Visa Infinite Privilege* Card is clearly designed for customers enjoying luxurious vacations and exclusive events.
Note that unlike the New BMO eclipse Visa Infinite* Card, with the Visa Infinite Privilege version, you can earn 5x the points for every $1 spent on travel and drugstore purchases (in place of the transit category).
Grocery, gas, food delivery and dining purchases are kept at 5x the points for every $1 spent. That’s a lot of 5x categories!
So, if you use your points earned through all these purchases for travel, that means a return of 3.33%! It’s very rare that a credit card offers more than 3% for travel or even drugstore purchases!
25% more points with supplemental cardholders
If you add an authorized user to your account, you will earn 25% more points.
So you will earn 6.25 points per dollar in the bonus categories (groceries, gas, drugstores, travel, restaurants, bars, food delivery). That’s a return of 4.17% if you use your points for travel purchases through BMO Rewards.
The additional card fee is $99. Therefore, to break even, you’ll need to spend at least $11,000 per year. And if you spend more, you’ll get more value! And if you spend more, you’ll get more value!
You can use your BMO Rewards points in many ways:
- Pay with your points option for any purchase
- Products or gift cards
Let’s analyze the two most common uses of BMO Rewards points.
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:
- hotel nights
- Car rentals
- Vacation packages
Prices are the same as other travel agencies.
Using BMO Rewards points for travel is the best use of your points: 150 points = $1. For example, 90,000 points have a $600 value.
For example, if you spend $3,000 per month in the 5x categories with the new BMO eclipse Visa Infinite Privilege Card* (groceries, pharmacy, restaurants and bars, home delivery, gas, travel), you’ll earn 15,000 points per month, a value of $100 for travel.
Over the course of a year, that’s nearly $1,200 you can earn this way! Enough to pay for a flight or several hotel nights!
And 25% more if you add an authorized user to your account.
Redeem BMO Rewards points for all purchases
You can also redeem your BMO Rewards points for any purchase charged to your card for as little as $1!
Here, 200 points = $1. So 40,000 points have a $200 value.
Regarding insurance, the New BMO eclipse Visa Infinite Privilege* Card includes:
- Travel Emergency Medical Insurance
- Trip Cancellation/Interruption insurance
- Flight delay insurance
- Delayed and Lost Baggage Insurance
- Rental Car Collision Loss/Damage Insurance
- Hotel/Motel Burglary Insurance
- Travel Accident Insurance
- Mobile device insurance
- Purchase security insurance (120 days)
- Extended warranty (up to 2 additional years)
Visa Infinite Benefits
With the new BMO eclipse Visa Infinite Privilege* Card, you can enjoy a variety of benefits reserved for Visa Infinite Privilege cardholders:
- Visa Infinite Concierge
- Visa Infinite Dining Series
- Troon Golf Benefit
And without forgetting other Visa Infinite Privilege benefits such as priority security lane, airport parking and valet service discounts at select Canadian airports, unique dining and wine events, VIP perks in luxury hotels and more.
6 annual visits to Priority Pass VIP lounges
With the new BMO eclipse Visa Infinite Privilege Card*, you get 6 annual visits to Priority Pass VIP lounges and restaurants.
In Montreal, for example, you can access the National Bank Lounge, or eat at one of the Priority Pass restaurants.
In Quebec City, at the VIP lounge at the Jean-Lesage International Airport in Quebec City (YQB), in Calgary at the WestJet Elevation Lounge, or in one of the many Plaza Premium lounges elsewhere in Canada.
The BMO eclipse Visa Infinite Privilege* card was launched when travel stopped, and everyday expenses such as groceries or food delivery took precedence over other types of spending.
In this sense, being able to earn 5 points per dollar on these types of purchases with a Visa card (accepted almost everywhere), for an effective return of more than 3.33%, 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.
During the second year, the annual fee is equal to $299 for the BMO eclipse Visa Infinite Privilege* card (after the $200 annual credit) That way, you can enjoy Visa Infinite Privilege Benefits at a lower cost! That way, you can enjoy Visa Infinite Privilege Benefits at a lower cost!
To apply for the new BMO eclipse Visa Infinite Privilege* Card, you must have a minimum $150,000 (individual) or $200,000 (household) annual income.