The BMO eclipse Visa Infinite Privilege Card is a premium points card designed for higher-income Canadian cardholders who want elevated rewards and travel benefits. The card offers an aggressive points earn structure on everyday categories, a substantial welcome package, and a suite of travel and purchase protections suitable for frequent travellers and purchasers of higher-value items.
Key Benefits
The main advantage of the BMO eclipse Visa Infinite Privilege Card is its high earning rate on common everyday spending categories paired with premium travel perks and an extensive welcome offer.
- High points earning rate
Earn 5x points on groceries, dining in and out, drugstore purchases, gas and travel; 1 point per $1 on all other purchases. - Generous welcome and recurring value
Up to $2,300 in value at sign-up, including up to 200,000 BMO Rewards points, plus a $200 Anniversary Lifestyle Credit and up to $200 NEXUS Statement Credit in the first year. - Premium travel and purchase protection
Includes six complimentary airport lounge visits per year, extensive travel insurance (including up to $5 million emergency medical insurance per insured person, common carrier insurance and trip cancellation/interruption), mobile device insurance and extended warranty protection.
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Pros & Cons
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Requirements & Conditions to Apply
- Minimum income
Individual applicants must meet a minimum annual income of $150,000; household income requirement is $200,000. - Alternative qualification
Qualification is possible with $50,000 total spend on other credit cards in the last 12 months (about $4,170 per month combined). - Residency and credit history
Applicants must be permanent Canadian residents, have reached the age of majority in their province and must not have declared bankruptcy in the past seven years. - Required documentation
Typical documentation includes name, date of birth, contact information, Social Insurance Number, address, employment status, income source(s), rent or mortgage amount and purpose of account.
Frequent Asked Questions
What earning structure applies to the BMO eclipse Visa Infinite Privilege Card?
The card earns 5 points per $1 on groceries, dining, drugstore purchases, gas and travel, and 1 point per $1 on all other eligible purchases.
What travel benefits and insurance are included?
Core travel benefits include Visa Airport Companion Program membership with six complimentary lounge visits per year, discounts on priority security lanes and airport parking at select Canadian airports, access to Visa Infinite Luxury Hotel Collection, and comprehensive travel insurance such as out-of-province/out-of-country emergency medical coverage up to $5 million per insured person per trip (up to 22 consecutive days), common carrier insurance, trip cancellation/interruption, flight delay coverage and baggage insurance.
Who is the card intended for?
The card is suited to applicants who meet the higher income or alternative spend requirements and who will benefit from high points earning on everyday categories, premium travel perks, and lifestyle credits. Eligibility includes minimum income thresholds or an alternative qualification based on recent credit-card spending.