Bank of Montreal VISA® Credit cards for december 2024

Apply for a BMO VISA® Credit Card. On 06.12.2024 you have access to 2 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 2
Updated
01.12.2022
13:30
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

21.99% - 23.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.99% - 23.99%
BMO credit cards calculator
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Credit Card Application Online of December 2024

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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.

FAQ

I’ve already applied for a BMO Visa card. What’s next?

After getting approval for a BMO credit card, look out for it in the mail. Once you receive your credit card, activate it online and sign up for BMO Online Banking. You can also download the BMO Mobile Banking app to manage your credit card account on the go.

Can I reset the forgotten PIN?

You can reset your PIN through BMO Online Banking or the BMO Mobile Banking app. Your new PIN will be activated the next time you make an in-store purchase or use an ATM.