Pros & Cons
Pros
- Welcome Bonus: Up to 200,000 points
- Up to 5x at restaurants
- Airport lounge access
Cons
- High annual fee ($599/yr)
Our Review
The BMO eclipse Visa Infinite Privilege* Card offers up to 200,000 BMO Rewards points, as part of an offer worth up to $2,700 in value.*
The welcome bonus is earned in three tiers:*
- 80,000 points when you spend a minimum of $10,000 in net purchases within the first 110 days of account opening
- An additional 40,000 points when you spend a minimum of $20,000 in net purchases within the first 180 days of account opening
- A further 80,000 points when you spend a minimum of $40,000 in net purchases within the first 12 months of account opening
It includes 10 complimentary airport lounge visits per year with Visa Airport Companion and a $200 annual Travel Credit. Enjoy no foreign transaction fees.*
Earn 5x the BMO Rewards points on groceries, dining, gas, travel and health, and wellness*
Earn 1 BMO Rewards point per dollar on all other purchases and 25% more points when you add an authorized user to your account.*
Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.*
Rewards
All Spending
1x
BMO Rewards pts per dollar
Restaurants
5x
BMO Rewards pts per dollar
Travel
5x
BMO Rewards pts per dollar
Groceries
5x
BMO Rewards pts per dollar
Gas
5x
BMO Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
94,800
BMO Rewards/yr
Estimated Value
$635
After Fees
+$36
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$36
incl. welcome bonus
Annual rewards breakdown
- Earn up to 80,000 BMO Rewards after $10,000 in purchases within the first 110 days, spend $265/mo more
- Earn up to 40,000 BMO Rewards after $20,000 in purchases within the first 180 days, spend $880/mo more
- Earn up to 80,000 BMO Rewards after $40,000 in purchases within the first 12 months, spend $833/mo more
- $200 annual credit (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Annual benefits
- $200
Perks & Benefits
Airport lounge access
Annual travel credit (single air, hotel or car rental purchase of $500+)
$200
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 21 days
Travel medical (55-64)
Up to $5,000,000 / 21 days
Travel medical (65+)
Up to $5,000,000 / 3 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $2,000
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $2,500
Flight Delay
Up to $1,000
Hotel Burglary
Up to $2,500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000 / 1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$599
- Additional card fee$99
- Foreign currency conversion fee0%
- Transfer fee2%
Introductory fees and minimums: see terms.
- Purchase Rate21.99%
- Balance transfer rate23.99%Quebec21.99%
- Cash advance rate23.99%Quebec21.99%
- Balance Transfer Promo0%
Intro period: first 12 statement periods from account opening
Eligibility
Personal Income
$150,000
Household Income
$200,000
Terms & Conditions
Card Features
Get up to $2,700 in value including up to 200,000 points, 10 lounge passes and a $200 annual Travel Credit. Plus, enjoy no foreign transaction fees and more.*
- Earn 80,000 BMO Rewards welcome bonus points when you spend a minimum of $10,000 on net card purchases within the first 110 days of account opening.*
- Earn an additional 40,000 BMO Rewards bonus points when you spend a minimum of $20,000 on net card purchases within the first 180 days of account opening.*
- Earn a further 80,000 BMO Rewards bonus points when you spend a minimum of $40,000 on net card purchases within the first 12 months of account opening.*
- Applications must be received between November 2, 2026 and October 31, 2027.*
- Earn 5x the BMO Rewards points on groceries, dining, gas, travel and health, and wellness*
- Get 1 BMO Reward for every $1 spent on everything else.*
- Get a $200 annual Travel Credit*
- Mobile Device Insurance that covers you for up to $1,000.*
- Earn 25% more points when you add an authorized user to your account.*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
- Enjoy a Visa Airport Companion membership and 10 complimentary airport lounge visits per year.*
- Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
- Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country.*
- Get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Legal
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Travelling Salzmans may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.
