Travel Rewards
Premium / High-End
Rewards
BMO eclipse Visa Infinite Card
BMO Bank of Montreal
Welcome Bonus:
Up to $1,150 in value including up to 70,000 Bonus points, monthly streaming credit, $50 anniversary credit
Secure RateBuddy connection · Application completed on BMO Bank of Montreal’s site
Annual Fee
$0
$120 after first year
Purchase APR
21.99%
Cash Advance
23.99%
Bonus Value
$650
RateBuddy Verdict
The Good
- Exceptional 5x points earn rate across major daily spending categories like groceries, dining, gas, and transit.
- The $50 annual lifestyle statement credit effectively reduces the ongoing annual fee.
- You can boost your entire point earning potential by 10% simply by adding an authorized user.
- Includes $1,000 in Mobile Device Insurance alongside standard premium travel protections.
The Trade-offs
- Travel medical insurance only covers trips up to 15 days, which may require top-up coverage for longer vacations.
- Does not include Trip Cancellation or Trip Interruption insurance, a common feature on competing premium travel cards.
Rewards & Earnings
Groceries
5%
Dining
5%
Gas
5%
Base Rate
1%
Rewards Summary:
Groceries, Dining, Takeout & Gas/Transit: 5 pts per $1; Base Earn: 1 pt per $1; Authorized User Bonus: Earn 10% more points on all purchases; Statement Credit: $50 Annual Lifestyle Credit; Instacart: 6 months free + $10/month credit
Welcome Bonus Details
Up to $1,150 in value including up to 70,000 Bonus points, monthly streaming credit, $50 anniversary credit
Estimated Value: $650
Features & Benefits
Travel Medical Insurance
Up to $5 million for 15 consecutive days
First-Year Fee Waived
Annual fee waived in the first year
Mobile Device Insurance
Up to $1,000 coverage against loss, theft or accidental damage
Car Rental Collision/Loss Damage Waiver
Included
Extended Warranty Insurance
Doubles manufacturer warranty up to 1 year
Purchase Security Insurance
90 days from date of purchase
Concierge Service
Visa Infinite Concierge
Hotel Status Benefits
Visa Infinite Luxury Hotel Collection
Common Carrier Accident Insurance
Included
Insurance Coverage
Emergency Medical: $5M (15 days); Mobile Device Insurance: $1,000 coverage; Auto Rental Collision: Included; Common Carrier: Included; Purchase Security: 90 days; Extended Warranty: +1 Year
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $120 |
| Income Required |
Personal: $60,000 Household: $100,000 |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Premium / High-End
Rewards
Secure RateBuddy connection