About BMO Visa cards
BMO offers two Visa credit card options:
BMO eclipse Visa Infinite — a credit card with reward-earning opportunities and valuable insurance coverages included
BMO eclipse Visa Infinite Privilege — a premium credit card providing a range of reward-earning opportunities, VIP benefits from Visa, and extensive insurance coverage
BMO Visa cards features
Both BMO eclipse Visa Infinite and BMO eclipse Visa Infinite Privilege credit cards provide a 20.99% interest rate on purchases and a 23.99% interest rate on cash advances (21.99% for Quebec residents).
The annual fee is $120 for a BMO eclipse Visa Infinite Card and $499 for a BMO eclipse Visa Infinite Privilege Card.
Select categories of purchases made with your BMO Visa credit card can bring you BMO Rewards points at an accelerated earning rate — 5 BMO Rewards points for every $1 spent (maximum annual spending limits apply). The regular reward-earning rate with BMO Visa credit cards is 1 BMO Rewards point for every $1 spent.
Issuing a supplementary card can bring you a 25% bonus earn rate added to your existing card accelerator.
Redemption opportunities for BMO Rewards points earned with your BMO Visa credit card are:
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
Making a charitable donation with points
With both BMO eclipse Visa Infinite and BMO eclipse Visa Infinite Privilege credit cards, you qualify for a statement credit each year which you can use however you like — a $50 and $200 credit, respectively.
Both BMO Visa cards provide you with exclusive privileges from Visa, 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
As a premium credit card, a BMO eclipse Visa Infinite Privilege credit card offers additional benefits like:
Visa Airport Companion membership providing global airport lounge access and six complimentary visits to participating lounges
Dedicated VIP security lanes at select Canadian airports
Airport parking and valet discounts at select Canadian airports
Both BMO Visa credit cards feature extensive insurance coverage, with the most comprehensive number of coverages included in a BMO eclipse Visa Infinite Privilege credit card: 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 insurance, baggage insurance, purchase security and extended warranty insurance, and mobile device insurance.
Pros and cons
Here are the advantages of BMO Visa credit cards:
Extensive reward-earning opportunities
Access to exclusive privileges from Visa
Extensive insurance coverage
Contactless payment through digital wallets
Visa’s Zero Liability Policy
The disadvantages of BMO Visa credit cards are:
Annual fees
Steep yearly minimum income requirements to apply
How to apply for a BMO Visa card
You can apply for BMO Visa credit cards 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. Then, fill out the form with the following details:
Your first name
Your middle name (optional)
Your last name
Your date of birth
Your email
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
If you wish to add Optional BMO Credit Card Balance Protection Enhanced
To complete your application, review the summary of your applicant information, agree to the terms and conditions and click “Confirm & apply.”
To qualify for BMO Visa credit cards, you must meet minimum annual income requirements.