BMO eclipse Visa Infinite Card Review
Welcome offer
You deserve to be rewarded! Get up to 60,000 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.You deserve it.
Earn 10% more points
On all purchases when you add an authorized user to your account.68 Lucky you (and them!)
Get a $50 annual lifestyle credit
To use however you want. Go on, celebrate yourself!
Card benefits
- Get access to the Visa Infinite Luxury Hotel Collection and enjoy seven exclusive benefits (like complimentary breakfast).
- Make dining even finer with the Visa Infinite Dining Series.
- Connect to the Visa Infinite Concierge - it’s like having a personal assistant on call!
- Get the Visa Infinite Troon Golf Benefit and enjoy discounts at 95 resorts and courses around the world.
-
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
-
Vehicle rental insurance
Yes
-
Travel accident insurance
Yes
-
Travel medical insurance
Yes
- Annual Fee: $120
- Additional Card Fee: $50
- Purchases Interest Rate: 20.99%
- Cash Advance Interest Rate: 23.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Mobile Device Insurance
Enjoy peace of mind with Mobile Device Insurance, which provides coverage of up to $1,000 in the event your mobile device is lost, stolen or accidentally damaged.
Purchase Security and Extended Warranty Insurance
Shop confidently with Purchase Security Insurance which provides up to 90 days of coverage against theft or damage of covered items from date of purchase and Extended Warranty Insurance, which doubles the original manufacturer’s warranty to a maximum of 1 additional year.
Travel Insurance
Travel worry-free with Out-of-Province/Country Emergency Medical Insurance, Common Carrier Insurance and Car Rental Collision/Loss Damage Insurance.
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 |
|
|
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.
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by January 31, 2024 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
Mastercard Zero Liability
Mastercard Tap & GoTM
American Express Cobalt® Credit Card review 2023
Welcome Offer:|
Earn up to 30,000 Membership Rewards® points* • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences. American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
|
SimplyCash® Preferred Card from American Express Review
• In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months
• Earn accelerated earn rates on eligible gas and grocery purchases
• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases
• Access events and special offers curated for Cardmembers with American Express® Experiences
• Extensive insurance coverage and 24/7 Customer Service
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. 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's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
