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BMO eclipse Visa Infinite Card®
Credit cards

BMO eclipse Visa Infinite Card®

Updated 01.12.2022

About BMO eclipse Visa Infinite Card

A BMO eclipse Visa Infinite Card is a credit card with reward-earning opportunities and valuable insurance coverages included. BMO eclipse Visa Infinite cardholders also get the advantage of Visa Infinite benefits.

Occasionally, BMO announces limited-time offers for a BMO eclipse Visa Infinite Card allowing you to waive an annual fee for the first year and earn welcome BMO Rewards points for meeting the spending requirements within a certain period.

BMO eclipse Visa Infinite Card features

A BMO eclipse Visa Infinite credit card provides a 20.99% interest rate on purchases and a 23.99% interest rate on cash advances (21.99% for Quebec residents).

The annual fee for a BMO eclipse Visa Infinite Card is $120 (waived with special offers for new applicants).

For gas, grocery, transit, and dining purchases made with your BMO eclipse Visa Infinite credit card up to $50,000 in annual net purchases, you can earn 5 BMO Rewards points for every $1 spent. Once you reach the $50,000 spending threshold, you will continue earning BMO Rewards points at the regular rate of 1 point per $1 spent. 

For eligible purchases in other spending categories, you will earn 1 BMO Rewards point for every $1 spent. 

Upon adding an authorized user to your BMO eclipse Visa Infinite credit card account, you can get a 10% bonus earn rate added to your existing card accelerator.

With limited-time welcome offers, BMO eclipse Visa Infinite cardholders can receive bonus BMO Rewards points upon meeting the spending requirements within a given period.

BMO offers a range of redemption opportunities for your BMO Rewards points:

  • Applying points directly to eligible purchases

  • Redeeming points for merchandise

  • Booking flights, hotels, car rentals, vacation packages, cruises, and more

  • Redeeming points for a contribution to a BMO Investment account 

  • Make a charitable donation with points

As a BMO eclipse Visa Infinite cardholder, you can get a $50 statement credit each year and use it however you like.

A BMO eclipse Visa Infinite credit card gives you access to all the Visa Infinite benefits, including:

  • Visa Infinite Luxury Hotel Collection providing exclusive benefits at participating hotels 

  • Visa Infinite Dining Series allowing you to get familiar with multi-course meals, drink pairings, and more

  • Visa Infinite Wine Country Program providing access to complimentary tastings and tours and discounts on wine purchases at Visa’s partner wineries in British Columbia and Ontario

  • Visa Infinite Concierge service providing personal assistance with a range of requests, like planning a trip or booking a restaurant

  • Visa Infinite Troon Golf Benefit providing the elevated Troon Rewards Silver Status and up to 10% discounts on golf fees, merchandise, and lessons

Insurance coverage provided by a BMO eclipse Visa Infinite Card includes out-of-province or country emergency medical insurance, common carrier insurance, car rental collision or loss damage insurance, purchase security and extended warranty insurance, and mobile device insurance.

Pros and cons

The benefits of a BMO eclipse Visa Infinite credit card are:

  • Extensive reward-earning opportunities

  • Access to Visa Infinite benefits

  • Contactless payment through digital wallets

  • Visa’s Zero Liability Policy

Here are the drawbacks to keep in mind:

  • A $120 annual fee

  • Minimum annual income requirements to apply

  • The lack of trip cancellation, trip interruption, flight delay, and baggage insurance coverage

How to apply for a BMO eclipse Visa Infinite Card

BMO accepts applications for a BMO eclipse Visa Infinite credit card online. To proceed with an online application, click the “Apply now” button on the credit card description page and specify if you already have a BMO credit card and if you have a Canadian address. Next, fill out the form with the following information:

  • Your first name

  • Your middle name (optional)

  • Your last name

  • Your date of birth

  • Your phone number

  • Your address

  • Your housing status

  • Your monthly payment

  • Month and year since you live there

  • Your social insurance number (optional)

  • Your employment status

  • Your occupation category

  • Your position

  • The company name

  • Month and year since you work there

  • Work phone number

  • Your sources of income

  • Whether you want to add another cardholder

  • Whether you want to add Optional BMO Credit Card Balance Protection Enhanced

Once you’ve provided the required information, review the summary of your application. If everything is correct, agree to the terms and conditions and click “Confirm & apply” to finalize your application.

To qualify for a BMO eclipse Visa Infinite credit card, you must have a minimum personal annual income of $60,000, a minimum annual household income of $100,000, or a minimum declared current annual spend of $15,000.

How to pay with BMO Rewards points?To pay with your BMO Rewards points, sign in to BMO Rewards and go to the “Pay with Points” menu. Then, browse your recent credit card transactions, choose the purchases you want to redeem the points for, and specify the number of points to redeem.
How do I contact the Visa Infinite Concierge service?You can contact the 24/7 Visa Infinite Concierge service by phone at 1-888-853-4458.
Who provides insurance coverages included in a BMO eclipse Visa Infinite credit card?

Allianz Global Risks U.S. Insurance Company (Canadian Branch) is an insurer providing all the coverages included in a BMO eclipse Visa Infinite credit card.

Rate
i

Effective interest rate on the product

21.99% - 23.99%

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