BMO eclipse Visa Infinite* Card Review
Recommended Credit Score:
740 900
Excellent
$280
Welcome Bonus Value
$120
Annual Fee
20.99%
Purchase Interest Rate
NA
Min Personal Required
BMO eclipse Visa Infinite* Card
My Rate Compass Rating: star star star star star_outline (4)
Bank Name:BMO
Network Type:VISA
BMO eclipse Visa Infinite* Card
Welcome Bonus
Annual Fee
$120
BMO eclipse Visa Infinite* Card
Card Details

BMO eclipse Visa Infinite Card Review 


Welcome offer

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


5xfive 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.

Insurance
  • 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
Fees and Eligibility
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:
740 900
Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4)
Rating Methodology: 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. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

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.