{"id":201706,"date":"2022-03-10T00:38:00","date_gmt":"2022-03-10T05:38:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/credit-lifestyle-bmo\/"},"modified":"2025-10-08T10:32:43","modified_gmt":"2025-10-08T14:32:43","slug":"credit-lifestyle-bmo","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-lifestyle-bmo\/","title":{"rendered":"BMO Eclipse: How to get the $50 or $200 credit?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a target=\"_blank\" href=\"\/?p=106290\">BMO Eclipse<\/a> credit cards were recently launched in Canada. Each of these card offers an <strong>annual<\/strong> credit called &#8220;lifestyle credit&#8221;. Find out everything you need to know about this credit below.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Welcome offers&#8221; el_id=&#8221;welcome_offers&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are the current welcome offers for each of the two cards.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;BMO eclipse Visa Infinite* Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bmo_eclipse_visa_infinite_card&#8221;]<p data-start=\"1532\" data-end=\"1739\">By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to <strong data-start=\"1631\" data-end=\"1664\">80,000 BMO Rewards points<\/strong>, as well as a waiver of the <strong data-start=\"1711\" data-end=\"1738\">$120 annual fee for the first year<\/strong>.*<\/p>\n<p data-start=\"1741\" data-end=\"1942\">In addition, you will benefit from a <strong data-start=\"1773\" data-end=\"1822\">$50 annual lifestyle credit<\/strong>. You also have a <strong data-start=\"1853\" data-end=\"1923\">monthly statement credit for streaming services<\/strong> for the first year.* <\/p>\n<p data-start=\"1944\" data-end=\"2061\">With the BMO eclipse Visa Infinite* Card, you can earn <strong data-start=\"2006\" data-end=\"2054\">5 BMO Rewards points per dollar spent<\/strong> on:<\/p>\n<ul data-start=\"2062\" data-end=\"2171\">\n<li data-section-id=\"hesx91\" data-start=\"2062\" data-end=\"2076\">groceries*<\/li>\n<li data-section-id=\"16h2334\" data-start=\"2077\" data-end=\"2111\">food delivery or takeout*<\/li>\n<li data-section-id=\"17i6mbx\" data-start=\"2112\" data-end=\"2130\">ridesharing*<\/li>\n<li data-section-id=\"1a0a7by\" data-start=\"2131\" data-end=\"2157\">public transit*<\/li>\n<li data-section-id=\"vw896d\" data-start=\"2158\" data-end=\"2171\">gas*<\/li>\n<\/ul>\n<p data-start=\"2173\" data-end=\"2350\">And <strong data-start=\"2176\" data-end=\"2223\">1 BMO Rewards point per dollar spent<\/strong> everywhere else. Plus, if you add a supplementary card to your account, you&rsquo;ll earn <strong data-start=\"2323\" data-end=\"2349\">10% more points*<\/strong>.<\/p>\n<p data-start=\"2352\" data-end=\"2547\">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.<\/p>\n<p data-start=\"2549\" data-end=\"2712\">Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;BMO eclipse Visa Infinite Privilege* Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bmo_eclipse_visa_infinite_privilege_card&#8221;]<p>The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn <strong>up to <span class=\"nowrap\">200,000<\/span> BMO Rewards points:<\/strong> <\/p>\n<ul>\n<li><strong>80,000 points<\/strong> after <span class=\"nowrap\">$6,000<\/span> in purchases within the first 110 days of account opening<\/li>\n<li><strong>40,000 points<\/strong> after <span class=\"nowrap\">$40,000<\/span> in purchases within the first 180 days of account opening<\/li>\n<li><strong>80,000 points<\/strong> after <span class=\"nowrap\">$75,000<\/span> in purchases within the first 365 days of account opening<\/li>\n<\/ul>\n<p>Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.<\/p>\n<p>Plus, you&rsquo;ll receive<strong>a <span class=\"nowrap\">$200<\/span> anniversary credit<\/strong> to use as you wish!<\/p>\n<p>As well as a membership to the Visa Airport Companion program with <strong>six complimentary visits per year<\/strong> to airport lounges.<\/p>\n<p>With this Card, you can earn <strong>5 BMO Rewards points<\/strong> per dollar spent on:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Gas<\/li>\n<li>Drugstores<\/li>\n<li>Travel<\/li>\n<li>restaurants and bars<\/li>\n<li>Food delivery<\/li>\n<\/ul>\n<p>And 1 BMO Rewards point per dollar spent everywhere else.<\/p>\n<p>You can use BMO Rewards points for all travel purchases made through the <strong>agency or website of your choice<\/strong> (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.<\/p>\n<p>Finally, enjoy <strong>six months of Instacart+ membership<\/strong> and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105731\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;BMO: Annual Lifestyle Credit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bmo_annual_lifestyle_credit&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><em>Update: From 2024-2025, this lifestyle credit will be based on the calendar year, rather than the year in which the card is held. You won&#8217;t be able to have it &#8220;twice&#8221;. We leave this article as an archive. <\/em><\/p>\n<p>&nbsp;<\/p>\n<p>BMO offers an annual credit called &#8220;lifestyle&#8221;:<\/p>\n<ul>\n<li>$ 50 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a><\/li>\n<li>$200 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a>.<\/li>\n<\/ul>\n<p>Unlike other card that require you to use this type of credit for travel, with BMO <strong>you can use it as you wish<\/strong>.<\/p>\n<p>To obtain this account credit, simply charge a purchase over $50 to your <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> or over $200 to your <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a>.<\/p>\n<p>You will see your Lifestyle Credit on your BMO credit card account on the statement following your expense over $50 or $200.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;197949&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>This is done <strong>every calendar year<\/strong>. In fact, the clock resets on January 1st of each year.<\/p>\n<p>So, in your first year as a <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a> holder, you could get this credit twice!<\/p>\n<p>For example, if you sign up for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> in July, you&#8217;ll earn your $50 credit by making any purchase of $50 or more between now and December 31. And you&#8217;ll be able to get a $50 credit again when you make any purchase of $50 or more after January 1!<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Lower annual fees with credit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;lower_annual_fees_with_credit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>BMO Eclipse credit cards have an annual fee:<\/p>\n<ul>\n<li>$ 120 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> ($0 the first year)<\/li>\n<li>$499 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card.<\/a><\/li>\n<\/ul>\n<p>With the Lifestyle Credit, this contribution is virtually reduced from $50 to $200. This makes the <strong>net annual cost<\/strong> of the card:<\/p>\n<ul>\n<li>$ 70 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> ($0 the first year)<\/li>\n<li>$299 with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a>.<\/li>\n<\/ul>\n<p>This makes them the lowest cost Visa Infinite and <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/advantages-visa-infinite-privilege-canada\/\">Visa Infinite Privilege<\/a> credit card in Canada.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"126480\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>We currently have an exclusive welcome offer for Milesopedia readers for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>:<\/p>\n<ul>\n<li>Up to 70,000 welcome bonus points<\/li>\n<li>No annual fee for the first year<\/li>\n<\/ul>\n<p>In your calculations, don&#8217;t forget to add this annual credit: in the first year, you could get it twice, a total value of $100!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658,105731\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>BMO Eclipse credit cards offer a lifestyle credit from $50 to $200. Here&#8217;s how to get it every year!<\/p>","protected":false},"author":3,"featured_media":106223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48139],"tags":[],"mc_loyalty_program":[],"class_list":["post-201706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_issuer-bmo-en","mc_market-all-of-canada","tutorial-bmo-en"],"acf":{"mc_approved_badge":false,"mc_card_used":105658,"mc_featured_card_specific":105658,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BMO Eclipse: How to get the $50 or $200 credit? | Milesopedia<\/title>\n<meta name=\"description\" content=\"BMO Eclipse credit cards offer a lifestyle credit from $50 to $200. Here&#039;s how to get it every year!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-lifestyle-bmo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BMO Eclipse: How to get the $50 or $200 credit?\" \/>\n<meta property=\"og:description\" content=\"BMO Eclipse credit cards offer a lifestyle credit from $50 to $200. 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