Offers
Welcome Bonus
Eligible new applicants for the BMO eclipse Visa Infinite Privilege* Card can receive up to $2,700 in value, including a welcome bonus of up to 200,000 BMO Rewards points*:
- Earn 80,000 BMO Rewards points upon spending $10,000 within 110 days.*
- Earn 40,000 BMO Rewards points upon spending $20,000 within 180 days.*
- Earn 80,000 BMO Rewards points upon spending $40,000 within 365 days.*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
FlyerFunds Rebate
Plus, if you apply for the BMO eclipse Visa Infinite Privilege* Card through Frugal Flyer and are approved, you can receive an additional $100 paid directly to you.
Earning BMO Rewards Points
The BMO eclipse Visa Infinite Privilege* Card earns BMO Rewards points for all purchases made on the card:
- 5 BMO Rewards points for every $1 on travel, groceries, dining, gas, and health & wellness purchases.*
- 1 BMO Rewards point for every $1 spent everywhere else.*
Cardholders will receive 5x BMO Rewards points on:
- Up to $25,000 spent annually on dining purchases.*
- Up to $25,000 spent annually on travel purchases (including air fare, hotel, and car rental).*
- Up to $20,000 spent annually on groceries.*
- Up to $15,000 spent annually on gas.*
- Up to $15,000 spent annually on health and wellness (including massage parlors, health and beauty spas, golf courses, club memberships, and recreation services).*
Purchases made in these categories upon reaching the annual spending bonus earning cap will earn 1 BMO Rewards point per $1.
Cardholders can also earn 25% more points with an additional cardholder.*
Redeeming BMO Rewards Points
BMO Rewards points are best used for travel purchases that are booked through the BMO Travel Portal or redeemed towards travel purchases that are charged on an eligible BMO credit card.
When redeeming BMO Rewards points towards travel, the redemption rate is 150 BMO Rewards points = $1 CAD, which is the maximum value you can expect to receive from BMO Rewards points.
There are additional redemption options including merchandise, gift cards, a statement credit, or cash investment in a BMO investment account. However, if you want to maximize the value of your BMO Rewards points, you should only redeem them for travel.
Benefits
No Foreign Transaction Fees
The BMO eclipse Visa Infinite Privilege* Card charges no foreign transaction fees when online shopping or traveling, saving you 2.5% on every transaction that is made in a foreign currency. Cardholders will only have to pay the exchange rate when completing foreign currency transactions.*
$200 Travel Credit
BMO eclipse Visa Infinite Privilege cardholders are eligible to receive a $200 annual travel credit.* This credit is applied to the first eligible travel purchase made on the card that is $500 or more. Eligible transactions include merchant locations classified through the Visa network with a Merchant Category Code that identifies them in the “air fare”, “hotel” or “car rental” category.
The travel credit is based on the anniversary year of the credit card account, meaning it will refresh each year upon the annual fee renewal date.
10 Airport Lounge Passes
BMO eclipse Visa Infinite Privilege cardholders will receive ten complimentary airport lounge passes, in addition to complimentary membership to the Visa Airport Companion program.*
The Visa Airport Companion program includes over 1,200 lounges worldwide, making it easy for the cardholder and their guests to find a lounge before their next flight.
$200 NEXUS Credit
Cardholders are eligible to receive a $200 credit towards membership in the NEXUS program.* This credit is available in the first year of holding the card.
Instacart+ & Monthly $10 Credit
Cardholders who enroll their BMO eclipse Visa Infinite Privilege* Card can enjoy six months of Instacart+ and a $10 monthly Instacart credit.*
Fees & Eligibility
| Personal Income | $150,000 |
| Household Income | $200,000 |
| Annual Fee | $599 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 21.99% |
| Cash Advance Rate | 23.99% |
| Balance Transfer Rate | 23.99% |
Insurance Coverage
The BMO eclipse Visa Infinite Privilege* Card offers several types of insurance coverage:
- Out-of-province or country emergency medical insurance: $5,000,000 coverage for the first 22 days of any out-of-province trips for travelers aged 64 or under; 3 days coverage for travelers aged 65 or older
- Trip cancellation insurance: $2,500 per covered person per trip, up to an overall $5,000 maximum
- Trip interruption & trip delay insurance: $5,000 per covered person per trip, up to an overall $25,000 maximum
- Rental car collision and loss damage insurance: Comprehensive coverage for cars up to $85,000 MSRP
- Common carrier insurance: $500,000 of accidental death and dismemberment coverage
- Flight delay insurance: $1,000 per trip for all insured persons combined in the event of a flight delay of more than four hours
- Lost, stolen, or damaged baggage insurance: $1,000 per person coverage for emergency purchases when your baggage is lost or delayed, up to an overall maximum of $2,500 per trip
- Baggage delay insurance: $500 per person coverage for emergency purchases when your baggage is lost or delayed, up to an overall maximum of $1,000 per trip
- Purchase security: Coverage for accidental physical damage or theft for 120 days from the date of purchase
- Extended warranty insurance: Extend the manufacturer’s original warranty up to two additional years
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
Refer to the BMO eclipse Visa Infinite Privilege Card insurance certificate for additional details, including terms and conditions for eligibility.
Other BMO Cards
| Credit Card | ||
|---|---|---|
 |
70,000 VIPorter points and $125 FlyerFunds Estimated value: $1,175 Ends Oct 31, 2027 |
|
 |
115,000 Blue Points and $200 FlyerFunds Estimated value: $971 Ends Dec 31, 2026 |
|
 |
115,000 BMO Rewards points and $125 FlyerFunds Estimated value: $896 Ends Nov 30, 2026 |
|
 |
80,000 BMO Rewards points and $200 FlyerFunds Estimated value: $736 Ends Nov 30, 2026 |
|
 |
40,000 VIPorter points and $100 FlyerFunds Estimated value: $700 Ends Oct 31, 2027 |
|
Legal
BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up-to-date information.
*Terms and conditions apply.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.