BMO eclipse Visa Infinite Privilege Card
Travel Rewards Balance Transfer Premium / High-End

BMO eclipse Visa Infinite Privilege Card

BMO Bank of Montreal BMO Bank of Montreal
Welcome Bonus: Up to $2,300 including up to 200,000 points and NEXUS Statement Credit
Balance Transfer: 0% Balance Transfer for 12 months (2% transfer fee)
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Annual Fee $599
Purchase APR 21.99%
Cash Advance 23.99%
Bonus Value $1,500

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%
Dining 5%
Gas 5%
Travel 5%
Base Rate 1%
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

Welcome Bonus Details

Up to $2,300 including up to 200,000 points and NEXUS Statement Credit

Estimated Value: $1,500

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

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 & Eligibility

Purchase APR21.99%
Cash Advance APR23.99%
Annual Fee$599
Income Required Personal: $150,000
Household: $200,000
Recommended Credit Score—

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Filed Under

Travel Rewards Balance Transfer Premium / High-End Rewards
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