Card Details

Bank Name: BMO
Network Type: VISA
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (4)

Fees

Annual Fee: $120
Additional Card Fee: $50
Purchases Interest Rate: 20.99%
Cash Advance Interest Rate: 23.99%

Eligibility

  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Excellent (740-900)

BMO eclipse Visa Infinite* Card Review

Welcome Bonus:
 
BMO eclipse Visa Infinite* Card snapshot

BMO eclipse Visa Infinite Card Review 


Welcome offer

Get up to 40,000 points and the $120 annual fee waived in the first year.

five times the points

For every $1 spent on groceries, dining in and out, gas and transit. deserve it.


Earn 10% more points

On all purchases when you add an authorized user to your account.

Get a $50 annual lifestyle credit

To use however you want.

BMO eclipse Visa Infinite* Card Rewards
General cash back earn rate
1
Categories cash back earn rate
1
BMO eclipse Visa Infinite* Card Features
Priority airport services
No
Airport lounge access
No
Concierge service
Yes
Balance protection(Optional)
No
Purchase Security & Extended Protection Insurance
Yes
Flight delay insurance,Baggage Insurance
Yes
Vehicule rental insurance
Yes
Travel accident insurance
Yes
Travel medical insurance
Yes
BMO eclipse Visa Infinite* Card User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 4 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

BMO eclipse Visa Infinite* Card FAQs
 

Other Recommended Credit Cards

Advantages:

Annual fee waived for the first year

Annual $50 lifestyle credit

 

Editor`s Review:


BMO Eclipse Visa Infinite Card

  • Annual fee: $120
  • Annual interest rate: 20,99% on purchases, 23.99% on cash advances (21.99% for Quebec residents)

The BMO Eclipse Visa Infinite Card features comprehensive benefits, including concierge services, generous rewards points, and mobile device insurance. Cardholders are also provided with extensive travel insurance that includes out-of-province/country emergency medical benefits and car rental collision insurance. Security features of the Eclipse Visa Infinite card include alerts, Visa Zero Liability, and Visa Secure.

Features and Benefits of the BMO Eclipse Visa Infinite Card

  • 5x rewards points on all grocery, dining, gas, and transit purchases, 10x more points with an additional authorized user
  • One point for every $1 spent on all other purchases
  • $50 annual lifestyle credit
  • Visa Infinite benefits include concierge access and access to the Visa Infinite Luxury Hotel Collection


Pros and Cons of the SimplyCash Preferred Card

Pros

Cons

  • 5x reward points on gas, grocery, dining, and transit purchases
  • Visa Infinite benefits
  • Includes security features such as spending alerts and card lock/unlock
  • Must have a minimum income of $60,000 (individual) or $100,000 (household) to qualify
  • The annual fee and annual interest rates on this card are high when compared with many similar cards


The Takeaway

The BMO Eclipse Visa Infinite Card offers extensive rewards for cardholders that can be converted to credit and spent directly on purchases that are made with the card. Because additional points can be earned by purchasing essentials, this card is an excellent choice for individuals who need access to credit for everyday purchases. While the rewards are big for this card, the interest rates for purchases and cash advances are a bit higher than standard. Individuals also need a minimum of $60,000 in individual income or $100,000 in household income to qualify for this card.

Already have this credit card? Tell us what you think

Click on the user reviews tab above to leave a review

 

Author Bio

User
Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.