Travel Rewards
Premium / High-End
Rewards
BMO eclipse Visa Infinite Card
BMO Bank of Montreal
Current Welcome Offer
Up to $1,150 in value including up to 70,000 Bonus points, monthly streaming credit, $50 anniversary credit
Annual Fee
$120
$0
1st Year Free
Purchase APR
21.99%
Cash Adv. APR
23.99%
Welcome Bonus
~$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 5.00%
Dining & Takeout 5.00%
Gas & Transit 5.00%
Base Rate 1.00%
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
- Groceries & Dining: 5.0 pts/$1
- Gas & Transit: 5.0 pts/$1
- All Other Purchases: 1.0 pt/$1
Welcome Bonus Details
Up to $1,150 in value including up to 70,000 Bonus points, monthly streaming credit, $50 anniversary credit
Estimated Value: $650.00
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
Additional Perks
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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 Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $120 |
| Income Required |
Personal: $60,000 Household: $100,000 |