Travel Rewards
Balance Transfer
Premium / High-End
BMO eclipse Visa Infinite Privilege Card
BMO Bank of Montreal
Current Welcome Offer
Up to $2,300 including up to 200,000 points and NEXUS Statement Credit
Annual Fee
$599
Purchase APR
21.99%
Cash Adv. APR
23.99%
Welcome Bonus
~$1500
RateBuddy Verdict
The Good
- Industry-leading multiplier: earn 25% more points on everything when you add an authorized user.
- The $200 annual lifestyle credit and $200 NEXUS rebate significantly offset the steep annual fee.
- Massive 5x points earn rate across five major spending categories (Groceries, Dining, Drugstore, Gas, Travel).
- Elite travel perks include 6 free lounge visits and Priority Security Lane access at select Canadian airports.
The Trade-offs
- Carries a very high annual fee of $599 that is not waived in the first year.
- Requires a very strict minimum personal income of $150,000 or household income of $200,000.
Rewards & Earnings
Groceries 5.00%
Dining & Takeout 5.00%
Gas & Transit 5.00%
Travel 5.00%
Base Rate 1.00%
Rewards Summary: Groceries, Dining, Drugstore, Gas & Travel: 5 pts per $1; Base Earn: 1 pt per $1; Authorized User Bonus: Earn 25% more points on all purchases; Statement Credit: $200 Anniversary Lifestyle Credit; Instacart: 6 months free + $10/month credit
- Groceries, Dining, Drugstore, Gas, Travel: 5.0 pts/$1
- All Other Purchases: 1.0 pt/$1
Welcome Bonus Details
Up to $2,300 including up to 200,000 points and NEXUS Statement Credit
Estimated Value: $1500.00
Features & Benefits
Airport Lounge Access
6 complimentary lounge visits per year via Visa Airport Companion
Travel Medical Insurance
Up to $5 million for 22 consecutive days
Mobile Device Insurance
Up to $1,000 coverage against loss, theft or accidental damage
Car Rental Collision/Loss Damage Waiver
Included
Trip Cancellation/Interruption Insurance
Included
Extended Warranty Insurance
Doubles manufacturer warranty up to 1 year
Purchase Security Insurance
90 days from date of purchase
Concierge Service
Visa Infinite Privilege Concierge
NEXUS Application Fee Rebate
Up to $200 statement credit in the first year
Flight Delay Insurance
Up to $1,000 per trip
Baggage Delay/Loss Insurance
Included
Hotel Status Benefits
Visa Infinite Luxury Hotel Collection
Priority Airport Services (Check-in, Boarding)
Priority Security Lane, parking, and valet at select airports
Common Carrier Accident Insurance
Included
Hotel/Motel Burglary Insurance
Up to $2,500 per occurrence
Additional Perks
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Insurance Coverage
Emergency Medical: $5M (22 days); Trip Cancellation/Interruption: Included; Flight Delay: $1,000; Hotel Burglary: $2,500; Auto Rental Collision: Included; Mobile Device: $1,000; Purchase Security: 90 days
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $599 |
| Income Required |
Personal: $150,000 Household: $200,000 |