BMO eclipse Visa Infinite Privilege* Card
Card highlights
Welcome bonus
Annual credits
Annual fee
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $1,333.
Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
Annual credits
Up to $200 in annual credits
Get a $200 annual lifestyle credit to spend however you want.*
Earn rates
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 150 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $599 annual fee
Second year reward
Based on spending $2,200/mo after $599 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual credits
- Annual fee
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual credits
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Visa Airport Companion membership and 6 complimentary airport lounge visits per year | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | triples the original manufacturer’s warranty to a maximum extension of two (2) years | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Up to $500,000 per insured person | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Up to $5,000,000 per insured person, per trip | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | up to 48 consecutive days; MSRP up to $85,000 | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | up to $2,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined) | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | up to $5,000 per insured person, per trip (maximum of $25,000 per trip for all insured persons combined) | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to a maximum of $1,000 per trip for all insured persons combined, in the event of a flight delay of more than four (4) hours | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | up to $1,000 per insured person to a maximum of $2,500 per trip for all insured persons combined | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Up to $2,500 per occurrence for all insured persons combined | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Up to $1,000 per occurrence | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | up to one hundred and twenty (120) days from date of purchase | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $599
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- 23.99%
- Cash advance rate
- 23.99%
Type
- Provider
- Bank of Montreal
- Card type
- Travel
- Payment network
- VISA
Eligibility
- Minimum personal income
- $150,000
- Minimum household income
- $200,000
- Minimum credit score
- 760+