The BMO eclipse Visa Infinite Privilege card* offers an exceptional rewards program for those looking to make the most of their spending. Designed for individuals with higher income, this card provides 5x the points on key everyday purchases such as groceries, dining, gas, travel, and drugstore purchases.

In addition, cardholders receive exclusive privileges like access to airport lounges and concierge services, making it more than just a tool for spending—it’s a lifestyle enhancer. With a substantial welcome offer of up to 120,000 points and benefits such as a $200 annual lifestyle credit, this card is ideal for those who enjoy premium perks while earning points on their daily purchases.

Whether you’re someone who dines out often, loves to travel, or simply wants to be rewarded for everyday spending, the BMO eclipse Visa Infinite Privilege card* might be a perfect fit.

Key information about the BMO eclipse Visa Infinite Privilege* card

The BMO eclipse Visa Infinite Privilege card* stands out in the market for its combination of high rewards and exclusive benefits. Cardholders can earn 5x the points on a variety of essential purchases, making it one of the most rewarding cards for daily expenses. Additionally, if you add an authorized user to the account, you can boost your points by an extra 25% on all purchases, further increasing your earning potential.

How does the annual fee work?

The BMO eclipse Visa Infinite Privilege card* does come with an annual fee of $499, which is on the higher end of credit card fees. However, for cardholders who can maximize the rewards and take advantage of the perks, the fee can easily be offset by the benefits. For example, the $200 lifestyle credit can be used to reduce the cost of the fee each year, making it more manageable.

How is the credit limit determined?

The credit limit on the BMO eclipse Visa Infinite Privilege card* is determined by the Bank of Montreal based on various financial factors. For conventional credit cards like this one, the bank assesses your credit score, income, and financial history to assign an appropriate limit. The higher your income and better your credit score, the more likely you are to receive a higher credit limit.

Credit card benefits 

• 5x points on essential categories: Earn 5x the points on groceries, dining, gas, drugstore purchases, and travel, allowing you to quickly accumulate rewards.
• 25% bonus on all purchases with an authorized user: Add an authorized user to your account to earn 25% more points on every purchase they make.
• $200 annual lifestyle credit: Use this credit for any expense you choose, whether it’s for dining, shopping, or travel.
• Airport lounge access: Enjoy six complimentary visits to airport lounges each year through the Visa Airport Companion program, enhancing your travel experience.
• Visa Infinite concierge service: Get access to a 24/7 concierge service that can help with anything from travel planning to restaurant reservations.
• Luxury hotel benefits: Receive exclusive perks such as complimentary breakfast and room upgrades through the Visa Infinite Luxury Hotel Collection.

5x points on everyday spending

The most significant advantage of the BMO eclipse Visa Infinite Privilege card* is the ability to earn 5x the points on key everyday spending categories. This includes groceries, dining (both in and out), gas, travel, and drugstore purchases.

For people who regularly spend in these areas, the potential to accumulate points quickly is impressive. With these points, you can redeem rewards for travel, merchandise, or even everyday purchases, making the card incredibly versatile.

Disadvantages

• High annual fee: The $499 annual fee is significant, especially for those who may not fully utilize all the card’s benefits.
• High-income requirement: With a minimum income requirement of $150,000 (or $200,000 household), this card is not accessible to everyone.
• Lower rewards rate on non-essential purchases: You only earn 1 point per dollar on non-essential purchases, which is lower compared to other high-end cards.

High annual fee

The primary disadvantage of the BMO eclipse Visa Infinite Privilege card* is its $499 annual fee. While the card offers a range of benefits, not all cardholders may find it worth the cost if they aren’t able to fully utilize the perks like airport lounge access and the annual lifestyle credit. For those who don’t travel frequently or make use of the higher rewards categories, the fee may outweigh the benefits.

Who can apply for this card?

To apply for the BMO eclipse Visa Infinite Privilege card*, you must meet specific eligibility requirements. Applicants must be at least 18 years old and meet the minimum income requirement of $150,000 individually or $200,000 as a household.

Additionally, you must have a good to excellent credit score, as this is a premium card intended for those with strong financial histories. This card is not designed for individuals with lower incomes or credit challenges, as it targets high-income earners who are likely to make the most of the travel, dining, and rewards features.

How to apply for the BMO eclipse Visa Infinite Privilege* card

Applying online

You can easily apply for the BMO eclipse Visa Infinite Privilege card* online. To begin, visit the BMO website and navigate to the card’s page. Click on “Apply Now” to start the application process. You will be asked to provide personal information such as your name, address, income, and employment details. Once you’ve completed the form, you’ll typically receive a decision within 60 seconds. If approved, your card will be mailed to you, and you can start enjoying its benefits immediately.

By phone

Alternatively, you can apply by calling BMO’s customer service line. A representative will guide you through the application process, collect your information, and submit the application on your behalf. This method is great for those who prefer personalized assistance.

In-person at a branch

You can also visit a BMO branch to apply in person. A bank representative will help you fill out the application and provide any additional details about the card’s features and benefits. This option is ideal for individuals who prefer face-to-face service.

In conclusion, the BMO eclipse Visa Infinite Privilege card* offers high rewards and luxury perks, making it an excellent choice for those with a high income who want to maximize their everyday spending and enjoy premium travel benefits. However, the high annual fee and income requirement may limit its accessibility.

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