About BMO eclipse Visa Infinite Privilege Card
A BMO eclipse Visa Infinite Privilege card is a premium credit card providing a range of reward-earning opportunities, VIP benefits from Visa, and extensive insurance coverage.
With special offers for new applicants, there are even more chances to earn rewards on your daily purchases (minimum spending requirements apply).
BMO eclipse Visa Infinite Privilege Card features
A BMO eclipse Visa Infinite Privilege 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 Privilege Card is $499.
Select categories of purchases made with your BMO eclipse Visa Infinite Privilege credit card can bring you BMO Rewards points at an accelerated earning rate. In particular, travel, grocery, dining, drugstore, and gas purchases up to the $100,000 annual spending threshold will bring you 5 BMO Rewards points for every $1 spent. Once you reach the $100,000 threshold, you will continue earning BMO Rewards points at the regular rate of 1 BMO Rewards point per $1 spent.
Purchases in other spending categories will bring you 1 BMO Rewards point for every $1 spent.
Issuing a supplementary card will bring you a 25% bonus earn rate added to your existing card accelerator.
Limited-time offers for new BMO eclipse Visa Infinite Privilege applicants may provide you with bonus BMO Rewards points upon meeting the spending requirements within a given period.
Once you’ve earned a significant amount of BMO Rewards points, you can redeem them towards any of the following:
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Paying for eligible purchases
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Buying merchandise
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Booking flights, hotels, car rentals, vacation packages, or cruises
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Making a contribution to a BMO Investment account
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Make a charitable donation
In addition, being a BMO eclipse Visa Infinite Privilege cardholder, you qualify for a $200 statement credit each year which you can use however you like.
BMO eclipse Visa Infinite Privilege cardholders can enjoy all the exclusive Visa Infinite Privilege benefits, including:
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Visa Airport Companion membership providing global airport lounge access and six complimentary visits to participating lounges
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Visa Infinite Luxury Hotel Collection providing exclusive benefits at participating hotels
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Visa Infinite Privilege Concierge service providing personal assistance with a range of requests, like planning a trip or booking a restaurant
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Visa Infinite Dining Series and Visa Infinite Wine Country providing access to dining experiences, complimentary tastings, tours, and discounts on wine purchases at Visa’s partner wineries in British Columbia and Ontario
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Troon Rewards® providing discounts on golf fees, merchandise, and lessons and access to members-only courses
Insurance coverages you get with a BMO eclipse Visa Infinite Privilege credit card are out-of-province or country emergency medical insurance, common carrier insurance, car rental collision or loss damage insurance, trip cancellation and trip interruption insurance, flight delay, and baggage insurance, purchase security and extended warranty insurance, and mobile device insurance.
Pros and cons
Let’s outline the advantages of a BMO eclipse Visa Infinite Privilege credit card:
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Extensive reward-earning opportunities
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Access to Visa Infinite Privilege benefits
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Extensive insurance coverage
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Contactless payment through digital wallets
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Visa’s Zero Liability Policy
The disadvantages of a BMO eclipse Visa Infinite Privilege credit card are:
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A pretty high annual fee
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Steep minimum annual income requirements to apply
How to apply for a BMO eclipse Visa Infinite Privilege Card
You can apply for a BMO eclipse Visa Infinite credit card online on the BMO website or in person at your local BMO branch. To apply online, click the “Apply now” button on the credit card description page and specify if you already have a BMO credit card and a Canadian address. Next, fill out the form with the following details:
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Your first name
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Your middle name (optional)
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Your last name
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Your date of birth
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Your phone number
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Your address
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Your housing status
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Your monthly payment
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Month and year since you live there
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Your social insurance number (optional)
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Your employment status
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Your occupation category
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Your position
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The company name
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Month and year since you work there
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Work phone number
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Your sources of income
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Whether you want to add another cardholder
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Whether you want to add Optional BMO Credit Card Balance Protection Enhanced
Then, review the summary of your applicant information, agree to the terms and conditions and click “Confirm & apply” to complete your application.
To qualify for a BMO eclipse Visa Infinite Privilege credit card, you must have a minimum personal annual income of $150,000 or a minimum annual household income of $200,000.