The BMO eclipse Visa Infinite Card is one of the top rewards cards in Canada. It is a great lifestyle credit card with a few travel and cashback rewards.
Accepted almost everywhere, the BMO eclipse Visa Infinite Card fits virtually every lifestyle. You get points on groceries, dining, gas, and transit purchases, and as a bonus, you get a $50 lifestyle credit every year.
With a relatively competitive annual fee, you’ll only need to spend about $400 or more monthly at its highest earning rate to offset the cost.
So, is this credit card for you? This BMO eclipse Visa Infinite Card review covers the benefits, how to apply, the BMO rewards program, and a few downsides and alternative rewards cards.
BMO eclipse Visa Infinite Card – At a Glance
- $120 annual fee
- 20.99% interest rate on purchases
- 23.99% interest rate on cash advances (21.99% for Quebec residents)
- Minimum $60,000 individual or $100,000 household annual income required
- Earn 5x the points on every $1 spent on takeout or delivery, groceries, gas, and transit
- Earn 1 point for every $1 spent on everything else
- Earn 10% more points if you add an authorized user to your account
- Receive a $50 lifestyle credit
- Access Visa Infinite Concierge, Visa Infinite Dining Series, Visa Infinite Luxury Hotel Collection, and more
BMO eclipse Visa Infinite Card Benefits
There are many benefits to the BMO eclipse Visa Infinite Card, including travel rewards and cashback benefits.
Earn and Redeem BMO Rewards Points
You’ll earn BMO Rewards points on almost every purchase with the BMO eclipse Visa Infinite Card. Earn 5x the points for every $1 spent on food delivery, groceries, gas, and transit, and 1 point for every $1 spent on everything else.
Additionally, you’ll get a $50 lifestyle credit awarded to your account each year, and you get 10% more points on all purchases if you add a supplementary card to your account.
You can redeem your BMO Rewards points for cashback, on flights, car rentals, hotels, vacation packages, or merchandise at the BMO Rewards store. You can redeem points for as little as $1 on your purchase.
Visa Infinite Benefits
With this credit card, you get access to a few different Visa Infinite benefits, such as:
The Visa Infinite Luxury Hotel Collection, with 7 exclusive benefits like complimentary breakfast, late checkout, and room upgrades at over 900 hotels worldwide.
The Visa Infinite Dining Series, with culinary experiences from some of the finest restaurants across Canada.
The Visa Infinite Wine Country Program, where you get complimentary tastings and discounted wine deliveries from select wineries in BC and Ontario.
The Visa Infinite Troon Golf Benefit, with discounts at 95 golf courses and resorts worldwide.
Complimentary Concierge, available 24/7 by phone.
Insurance Benefits
The BMO eclipse Visa Infinite Card includes three types of insurance:
Mobile device insurance – if your device is stolen, lost, or accidentally damaged, you get coverage of up to $1,000.
Travel Insurance – for the first 15 days of your trip, get Common Carrier Insurance, Out-of-Province/Country Emergency Medical Insurance (for cardholders under 65), and Car Rental Collision/Loss Damage Insurance.
Purchase Security Insurance – get up to 90 days of coverage against damage or theft from the date of purchase of covered items.
Extended Warranty Insurance – get double the manufacturer’s original warranty for up to one additional year.
Downsides of the BMO eclipse Visa Infinite Card
Unlike some top travel rewards credit cards, the BMO eclipse Visa Infinite Card Canada does not offer many travel perks.
Although you get Visa Infinite benefits like dining experiences and hotel upgrades, if you travel often and want VIP travel benefits like airport lounge access, this credit card may not be for you.
This BMO credit card does not include comprehensive travel insurance, which you would expect for a travel-specific credit card. For example, there is no trip cancellation or delayed/lost baggage insurance.
Lastly, the BMO eclipse Visa Infinite Card has a fairly high interest rate at 20.99% on purchases and 23.99% on cash advances…higher than the standard 19% to 20%.
How To Apply for the BMO eclipse Visa Infinite Card
To apply for the BMO eclipse Visa Infinite Card, visit their website.
The eligibility requirements are:
- You must be a Canadian resident and the age of majority in your province or territory
- You must have a minimum $60,000 individual or $100,000 household annual income OR a $15,000 minimum current annual spend
- You have not declared bankruptcy in the past 7 years
BMO Rewards Program and How To Redeem Your Points
With the BMO Rewards Program, you can redeem your points for cashback, vacation packages, hotels, car rentals, flights, or select merchandise at the BMO Rewards store.
To pay with your BMO Rewards points, sign in to your account at bmorewards.com and select the “Pay with Points” option.
From there, you can view your recent transactions and select which purchase you’d like to redeem points for. You can redeem as little as $1 in points for every purchase.
Alternatives to the BMO eclipse Visa Infinite Card
A few alternative cashback and rewards credit cards include the following.
BMO eclipse Visa Infinite Card vs American Express Cobalt Card
The American Express Cobalt Card is a cashback credit card with a monthly fee of $12.99. It has an interest rate of 20.99% on purchases and 21.99% on cash advances.
You earn:
- 5 points at eligible restaurants, cafes, bars, and food delivery in Canada
- 3 points for eligible streaming subscriptions in Canada
- 2 points for eligible travel, transit, and gas purchases in Canada
- 1 point for $1 spent on everything else
You can redeem your points towards card purchases, flights, Amazon purchases, and merchandise on membershiprewards.ca.
This card includes emergency medical, flight delay, baggage delay, car rental theft insurance, and more. Learn more in this review.
American Express Cobalt Card
Rewards: Earn 5x pts per $1 spent on food & drinks; 3x pts on streaming subscriptions; 2x pts on travel; 1x pts everywhere else.
Welcome offer: Get up to 15,000 bonus points in the first year.
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $155.88
BMO eclipse Visa Infinite Card vs American Express Gold Rewards Card
With a $250 annual fee, the American Express Gold Rewards Card has an interest rate of 20.99% on purchases and 21.99% on cash advances.
You’ll earn 2 AMEX Rewards points for every $1 in purchases at eligible gas stations, drugstores, and grocery stores in Canada, as well as eligible travel purchases.
Some travel benefits include out-of-province emergency medical insurance, trip interruption and cancellation insurance, lost or stolen bag insurance, and airport lounge access.
Learn more in this American Express Gold Rewards Card review.
American Express Gold Rewards Card
Rewards: Earn 2x the points on travel, gas, drugstore, and grocery purchases; 1x point everywhere else.
Welcome offer: NA
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $250
BMO eclipse Visa Infinite Card vs Tangerine World Mastercard
The Tangerine World Mastercard is a cashback credit card with a $0 annual fee and a 19.95% interest rate.
You can earn 2% Money-Back rewards in two 2% Money-Back Categories of your choice and 0.50% Money-Back Rewards on all other everyday purchases.
Other benefits include rental collision/loss damage insurance, mobile device insurance, and extended warranty and purchase protection.
You also get a complimentary membership to exclusive airport lounges and access to Boingo wi-fi for Mastercard. Learn more about it in this review.
Tangerine World Mastercard
Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases; VIP perks.
Welcome offer: na
Interest rates: 19.95% for purchases, balance transfers, and cash advances.
Annual fee: $0
BMO eclipse Visa Infinite Card vs BMO eclipse Visa Infinite Privilege
The BMO eclipse Visa Infinite Privilege card has a $499 annual fee, with a 20.99% interest rate on purchases and a 23.99% interest rate on cash advances.
To apply, you need a minimum of $150,000 individual or $200,000 household annual income.
You’ll earn 5x the points for every $1 spent on dining, groceries, gas, drugstore, and travel purchases, and 25% more points when you add another cardholder to your account. You’ll also get a $200 annual travel credit.
Visa Infinite Privilege benefits include:
- A Priority Pass membership and six airport lounge visits per year
- Priority Security Lane, airport parking, and more at Canadian airports
- Access to the Visa Infinite Luxury Hotel Collection
- Visa Infinite Privilege Concierge, and more
Is the BMO eclipse Visa Infinite Card For You?
If you’re looking for an all-around lifestyle cashback credit card with some cashback and travel rewards, the BMO eclipse Visa Infinite Card is a great choice.
This credit card provides cashback for dining, groceries, gas, and transit, so if you frequently make purchases in these categories, you can rack up the points.
Along with the $50 annual credit and 10% more points when you add another cardholder to your account, this is a good choice for cashback credit cards in Canada.
However, if you’re looking for a credit card with premium travel rewards, this probably isn’t the card for you.
You may want to consider the American Express Aeroplan Reserve Card for travel perks or the Tangerine World Mastercard for more cashback rewards.
