With the BMO eclipse Visa Infinite Card, earn 5X points per $1 on essential purchases like groceries, dining, gas, and transit.
Enjoy a $50 lifestyle credit, Visa Infinite dining experiences, and comprehensive purchase protection for extra security.
If you value high rewards and exclusive perks, the BMO eclipse Visa Infinite Card is worth considering. Apply today through the official BMO website.
How Does the BMO eclipse Visa Infinite Card Work?
This card operates on a points-based reward system, where users earn BMO Rewards points on every purchase. These points can be redeemed for travel, merchandise, gift cards, and more.
Cardholders earn 5 points per $1 spent on groceries, dining, gas, and transit, while all other purchases earn 1 point per $1. This allows users to accumulate rewards quickly on daily expenses.
By adding an authorized user, you get a 10% points boost on all purchases. This makes the card a great choice for households looking to maximize their spending potential.
Main details of the card
The BMO eclipse Visa Infinite Card is a premium rewards credit card designed for everyday spending. It offers elevated reward points on categories like groceries, dining, gas, and transit.
Beyond points, the card provides valuable perks, including travel benefits, insurance, and lifestyle credits. These features make it a strong choice for individuals seeking both rewards and convenience.
If you want to maximize your purchases and enjoy exclusive benefits, this card might be for you. Keep reading to learn how it works and how to apply.
Benefits of the BMO eclipse Visa Infinite Card
Earn 5X Points on Key Categories
Get 5 points per $1 spent on groceries, dining, gas, and transit, ensuring you maximize rewards on everyday essentials.
$50 Annual Lifestyle Credit
Receive a $50 credit every year, which can be used for personal expenses, entertainment, or other purchases of your choice.
10% Points Boost with an Authorized User
Adding an additional cardholder gives you 10% more points on every purchase, helping you accumulate rewards even faster.
Exclusive Visa Infinite Privileges
Gain access to Visa Infinite Luxury Hotel Collection, premium dining experiences, and concierge services for added convenience.
Comprehensive Travel Insurance
Includes emergency medical, trip cancellation, rental car protection, and other travel-related coverages to keep you safe.
Mobile Device Protection
Enjoy coverage up to $1,000 for lost, stolen, or accidentally damaged smartphones, tablets, or other mobile devices.
Purchase Protection & Extended Warranty
New purchases are covered for 90 days against theft or damage, and the manufacturer’s warranty is doubled for up to one year.
Fuel Savings at Shell
Get up to 7 cents off per liter on fuel at Shell locations across Canada, providing extra savings on gas expenses.
Visa Infinite Benefits for BMO eclipse Visa Infinite Cardholders
As a BMO eclipse Visa Infinite Card holder, you gain access to exclusive Visa Infinite perks that enhance your lifestyle. These benefits offer premium experiences in travel, dining, and entertainment.
| Benefit | Description |
|---|---|
| Luxury Hotel Collection | VIP treatment at premium hotels, including upgrades and free breakfast. |
| Visa Infinite Dining Series | Access to exclusive dining events with top chefs. |
| Visa Infinite Concierge | 24/7 concierge service for travel, dining, and event planning. |
| Troon Golf Benefits | Discounts at 95+ golf courses worldwide. |
Disclaimer: Benefits are subject to availability and may change based on Visa Infinite program updates.
How to Apply for the BMO eclipse Visa Infinite Card?
Applying for the BMO eclipse Visa Infinite Card is a simple and straightforward process. Follow these steps to complete your application online.
- Visit the Official Website: Go to the BMO Harris Bank credit card section and find the BMO eclipse Visa Infinite Card application page.
- Check Eligibility Requirements: Ensure you meet the income criteria of $60,000 individual or $100,000 household, or a minimum $15,000 annual spend.
- Fill Out the Online Form: Provide your personal information, income details, and financial history as required in the application.
- Review and Submit Your Application: Double-check all details before submitting to avoid errors that could delay approval.
- Await Approval Notification: If approved, you will receive further instructions regarding card delivery and activation.
Who Is the BMO eclipse Visa Infinite Card Best Suited For?
The BMO eclipse Visa Infinite Card is tailored for individuals who seek to maximize rewards on everyday spending. It’s particularly beneficial for:
- High Spenders on Essentials: Those who frequently spend on groceries, dining, gas, and transit can earn accelerated rewards.
- Travel Enthusiasts: With comprehensive travel insurance and flexible point redemption options, this card appeals to frequent travelers.
- Tech-Savvy Users: The annual $50 lifestyle credit can offset costs of digital services and subscriptions.
- Households Seeking Shared Benefits: Adding an authorized user not only consolidates spending but also provides a 10% boost in points earned.
- Individuals Meeting Income Criteria: Applicants should have a personal income of $60,000 or a household income of $100,000 to qualify.
Is the BMO eclipse Visa Infinite Card Worth It?
The BMO eclipse Visa Infinite Card is ideal for those who spend heavily on dining, groceries, and transit. With 5X points per $1, it offers strong rewards for everyday purchases.
The $50 lifestyle credit and travel insurance add extra value, partially offsetting the annual fee. However, those who prefer cashback or flat-rate rewards may find better options.
If you meet the income requirement and maximize spending in bonus categories, this card is a solid choice. Analyzing your expenses will help determine if it aligns with your financial goals.
Frequently Asked Questions About the BMO eclipse Visa Infinite Card
New cardholders can earn up to 70,000 BMO Rewards points and have the $120 annual fee waived for the first year. This makes it a valuable choice for those looking to maximize rewards from the start.
You earn 5 points per $1 on groceries, dining, gas, and transit, and 1 point per $1 on all other purchases. Adding an authorized user increases total points earned by an additional 10% on all spending.
Yes, it includes emergency medical insurance, common carrier accident insurance, and rental car collision/loss damage coverage. These benefits make it a strong option for frequent travelers who want financial protection.
The Visa Infinite Concierge service is available 24/7 to assist with travel planning, restaurant reservations, and event bookings. This premium benefit adds convenience and VIP experiences to everyday life.