The BMO Eclipse Visa Infinite Privilege card is a premium credit card that earns BMO Rewards points on all purchases and is available to individuals in Canada.
Earning Rewards
The BMO Eclipse Visa Infinite Privilege credit card earns BMO Rewards points for all purchases made on the card:
- 5 BMO Rewards points for every $1 spent on grocery, dining, gas, travel, and drugstore purchases (up to a combined $50k in spend per calendar year).
- 1 BMO Rewards point for every $1 spent on all other purchases.
Once the cardholder reaches $50k in spending in the 5x categories listed above during a calendar year, all future purchases will earn 1 BMO Reward point per dollar spent.
Redeeming Rewards
BMO Rewards points can be redeemed for travel, merchandise, gift cards, a statement credit, or towards a cash investment in a BMO investment account.
The best value in redeeming your BMO Rewards points is to use them for travel purchases, booked through the BMO Travel Portal. When redeeming points towards bookings made through the travel portal, the redemption rate is 150 BMO Rewards points = $1 CAD.
Benefits
BMO Eclipse Visa Infinite cardholders are eligible to receive a $200 annual lifestyle credit. This credit is applied to the first purchase made on the card that totals over $200; no further action is required in order to receive the credit. (applicable to any purchase).
The lifestyle credit is based on the calendar year, meaning you may be able to take advantage of the credit twice in one cardholder year (e.g. if you applied in June and received the annual lifestyle credit, you would be eligible to receive it again in January).
Cardholders are also eligible to receive Priority Pass membership and six complimentary airport lounge visits per year. These lounge visits can be used to gain access to Priority Pass airport lounges for both the cardholder and any guests.
Insurance Coverage
The BMO Eclipse Visa Infinite Privilege credit card offers ten types of insurance coverage: emergency medical, trip cancellation/trip interruption, car rental collision/loss damage, common carrier, flight delay, baggage insurance, hotel burglary insurance, purchase security, extended warranty, and mobile device insurance.
Refer to the BMO Eclipse Visa Infinite Privilege certificate of insurance for additional details, including terms and conditions for eligibility.