The BMO Eclipse Visa Infinite is not just a credit card—it’s a tool designed to complement and reward your lifestyle.
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Whether you’re dining out, traveling, or shopping for everyday essentials, this card offers impressive rewards and exclusive benefits that make each transaction feel more rewarding.
For Canadians looking to enhance their purchasing power with a premium experience, the BMO Eclipse Visa Infinite delivers.
Maximize Rewards on Everyday Spending
One of the standout features of the BMO Eclipse Visa Infinite is its high rewards rate on categories that matter most to everyday life.
With this card, you can earn 5 BMO Rewards points per dollar spent on food, dining, transportation, and gas purchases.
That means whether you’re grabbing groceries for the week, enjoying dinner at your favorite restaurant, or filling up your car for a road trip, you’ll be stacking up rewards faster than with most other cards.
For all other purchases, you’ll still earn 1 point per dollar spent.
These points can be redeemed for a variety of rewards, including travel, merchandise, gift cards, and more.
The flexibility of the BMO Rewards program ensures that your points can be put to good use in ways that suit your lifestyle.
Plus, as a welcome bonus, you can earn up to 60,000 BMO Rewards points in your first year, which is a significant boost to kick-start your rewards journey.
A Card that Fits Your Life
What makes the BMO Eclipse Visa Infinite even more appealing is how seamlessly it fits into the rhythm of your life.
If you’re someone who spends regularly on dining, transit, or gas, this card can help you maximize the return on your spending.
Beyond the impressive rewards rate, you’ll also enjoy a $50 annual lifestyle credit—a little extra bonus that you can use towards the purchases or experiences that bring you joy, whether it’s a night out or a new gadget.
In addition to the lifestyle perks, you’ll appreciate the complimentary BMO Rewards membership, which opens the door to a wide range of rewards redemption options, allowing you to tailor your points to your preferences, whether it’s booking a vacation, buying something special, or simply covering everyday expenses.
Premium Benefits and Insurance Coverage
The BMO Eclipse Visa Infinite comes packed with additional benefits that elevate it beyond the standard credit card experience.
As a cardholder, you’ll receive access to Visa Infinite Privileges, which include exclusive offers, dining experiences, and travel benefits.
For frequent travelers, the complimentary travel insurance coverage is another key highlight, offering peace of mind with:
- Trip Cancellation and Trip Interruption Insurance
- Travel Medical Insurance (up to 15 days)
- Flight and Baggage Delay Insurance
- Rental Car Collision Damage Waiver Insurance
These coverages can save you hundreds of dollars when traveling, ensuring that you and your loved ones are protected from the unexpected, all while earning rewards on your trip.
You’ll also benefit from extended warranty protection and purchase security, offering additional coverage on purchases made with your card.
Whether it’s a new phone or home electronics, you can rest easy knowing that your purchases are protected against damage or theft.
Transparent Fees and Interest Rates
As with any premium card, it’s important to be aware of the costs associated with the BMO Eclipse Visa Infinite. Here’s a breakdown of the key fees:
- Annual Fee: $120 (waived in the first year)
- Supplementary Card Fee: $50 (first card free in the first year)
- Interest Rate: 20.99% on purchases and 23.99% on cash advances
- Foreign Transaction Fee: 2.5% on foreign currency transactions
While the card comes with an annual fee, the rewards and perks can easily offset the cost, especially if you take advantage of the welcome bonus and lifestyle credit.
Eligibility Requirements
To apply for the BMO Eclipse Visa Infinite, you’ll need to meet certain eligibility criteria.
This card is aimed at individuals with a higher income, and the requirements are as follows:
A minimum individual income of $60,000 or a household income of $100,000.
You must be a Canadian resident and meet the age of majority in your province or territory.
A good to excellent credit score is recommended to qualify.
If you meet these requirements, the application process is quick and straightforward.
Simply visit the BMO website, fill out the application form, and wait for approval.
Once your application is processed, you’ll receive your card in the mail, and you can start earning rewards right away.
Final Thoughts
The BMO Eclipse Visa Infinite is a premium credit card that rewards you for living your life.
With high earn rates on categories like dining and transportation, combined with the flexibility of the BMO Rewards program, this card offers both value and convenience.
Whether you’re treating yourself to a nice dinner, planning a vacation, or just tackling your day-to-day expenses, the BMO Eclipse Visa Infinite ensures that you’re always getting something back.
Between the lifestyle credit, travel benefits, and extensive insurance coverage, this card is well-suited to Canadians who want to make the most of their spending.
If you’re looking for a card that aligns with your lifestyle and offers real value, the BMO Eclipse Visa Infinite is worth considering.
