BMO eclipse Visa Infinite Card Review for 2024

Last Updated on

Written by Enoch Omololu

Snappy Rates is reader-supported. This means if you click on some of our links, we may earn a commission. This does not affect the objectivity of our evaluations. Read our disclosure.

If you’re looking for a top rewards credit card in Canada, the BMO eclipse Visa Infinite Card is definitely worth considering.

In this review, we’ll take a look at its benefits, downsides, alternatives, and how to apply for it. We’ll also discuss how to redeem BMO rewards points and whether or not the BMO eclipse Visa Infinite Card is worth it.

Main Highlights

  • The BMO eclipse Visa Infinite Card offers travel perks and cashback on everyday purchases.
  • Downsides include a high annual fee and slightly higher interest rates on unpaid balances.
  • Eligibility requirements include a minimum annual income of $60,000 or a household income of $100,000.
  • Redeem BMO Rewards Points for travel, merchandise, or statement credits.
  • Alternatives include the Scotiabank Passport Visa Infinite Card, American Express Cobalt Card, and Tangerine World Mastercard.

BMO eclipse Visa Infinite Card – Summary

The BMO eclipse Visa Infinite Card is a premium rewards credit card that offers a variety of benefits to cardholders. It has an annual fee of $120 and an annual income requirement of $60,000 or a household income of $100,000.

Benefits of the BMO eclipse Visa Infinite Card

The BMO eclipse Visa Infinite Card offers an impressive rewards program. Cardholders earn 5 points per dollar spent on gas, groceries, dining, and transit categories. Plus, earn 1 point per dollar spent on all other purchases. Points can be redeemed for travel, merchandise, or statement credits.

Other benefits of the BMO eclipse Visa Infinite Card include:

  • Comprehensive Travel Insurance Coverage. Travel worry-free with Out-of-Province/Country Emergency Medical Insurance, Common Carrier Insurance and Car Rental Collision/Loss Damage Insurance.
  • Enjoy peace of mind with Mobile Device Insurance, which provides coverage of up to $1,000 in the event your mobile device is lost, stolen or accidentally damaged.
  • Shop confidently with Purchase Security Insurance, which provides up to 90 days of coverage against theft or damage of covered items from the date of purchase, and Extended Warranty Insurance, which doubles the original manufacturer’s warranty to a maximum of 1 additional year.
  • Complimentary Concierge Service, which can help you with planning the perfect travel itinerary, birthday, or your next great idea.
  • Travel in style and comfort. Enjoy benefits like room upgrades, complimentary WiFi and breakfast, late checkout and more at over 900 Visa Infinite Luxury Hotel Collection properties around the world.

Downsides of the BMO eclipse Visa Infinite Card

While the BMO eclipse Visa Infinite Card has many benefits, there are a few downsides to consider.

First, the card has a high annual fee of $120. Second, the rewards program may not be as valuable for people who don’t frequently spend money on groceries, dining, and food delivery.

Finally, it has slightly higher interest rates on your unpaid balances, including 20.99% for purchases and 23.99% for cash advances.

How To Apply for the BMO eclipse Visa Infinite Card

To apply for the BMO eclipse Visa Infinite Card, you can visit the BMO website and fill out an application online. Eligibility requirements include:

  • Be a permanent Canadian resident.
  • Have not declared bankruptcy in the past seven years.
  • Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
  • Meet minimum income requirements.

You’ll need to provide personal information, employment information, and financial information. You’ll also need to meet the annual income requirement of $60,000 or a household income of $100,000.

How To Redeem BMO Rewards Points

To redeem BMO Rewards points, you can visit the BMO Rewards website and select the reward you want to redeem.

You can redeem points for travel, merchandise, or statement credits. You can also transfer points to other loyalty programs such as AIR MILES, WestJet Rewards, and more.

BMO eclipse Visa Infinite Card Alternatives

If you’re looking for alternatives to the BMO eclipse Visa Infinite Card, here are a few options to consider:

Credit CardAnnual FeeAPR PurchasesAPR Cash AdvancesRewards
BMO eclipse Visa Infinite Card$12020.99%23.99% (21.99% for Quebec residents)Earn 5x the points For every $1 spent on groceries, dining in and out, gas and transit.
Scotiabank Passport Visa Infinite Card$15020.99%22.99%Earn 3 Scene+ points for every $1 spent on eligible dining, grocery and entertainment purchases.
Scotiabank Gold American Express Card$12020.99%22.99%Earn 6x Scene+ points on every $1 spent on eligible grocery, entertainment, and dining purchases.
American Express Cobalt Card$155.8820.99%21.99%Earn 5x Amex points for purchases at eligible restaurants & food deliveries.
Tangerine World Mastercard$019.95%19.95%Earn 2% Money-Back Rewards on purchases in two categories of your choice.

Scotiabank Passport Visa Infinite Card

Scotiabank Passport Visa Infinite Card

Rewards: Earn up to 3x Scene+ points on groceries, dining, and entertainment.

Welcome offer: Earn up to 40,000 bonus Scene+ points in the first year (up to $400 towards travel).

Interest rates: 20.99% for purchases, 22.99% for cash advances

Annual fee: $150

Recommended credit score:
760
900

Very Good to Excellent

scotiabank passport visa infinite cardart

On Scotiabank’s website

  • Earn 3 Scene+ points for every $1 spent on groceries at participating retailers like Safeway, Sobeys, Foodland, and FreshCo (up to $50,000 annually).
  • Earn 2 Scene+ points for every $1 spent on dining, other eligible grocery stores, and daily transit (up to $50,000 annually).
  • Earn 1 Scene+ point for every $1 spent on all other purchases.
  • Redeem Scene+ points for virtually anything, including travel, merchandise, dining, groceries, statement credits, and more.
  • No foreign transaction fees are charged on purchases outside of Canada.
  • 6 complimentary airport lounge passes per year.
  • Book and redeem travel through Scene+ Travel.
  • Get a complimentary Avis Preferred Plus membership, which includes complimentary upgrades and discounts of up to 25% off.
  • Visa Infinite benefits, like a 24/7 concierge service and guaranteed best hotel rates, are included.
  • Insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
  • Purchase security and extended warranty protection are included.
  • A minimum income requirement of $60,000 personal or $100,000 household is required to be eligible.

No foreign transaction fees

6 free airport lounge visits per year

Flexible redemption options for Scene+ points

$50,000 spend cap on the 3x and 2x categories

High income requirement of $60,000 or $100,000

High annual fee

The Scotiabank Passport Visa Infinite Card is your travel companion wrapped up into a credit card. For a $150 annual fee, you don’t pay FX fees, get 6 complimentary airport lounge visits per year, an Avis Preferred Plus membership, various travel insurance benefits, and more on top of earning and redeeming Scene+ points.

American Express Cobalt Card

American Express Cobalt Card

Rewards: Earn up to 5x Membership Rewards points on purchases.

Interest rates: 20.99% for purchases, 21.99% for cash advances.

Annual fee: $155.88 ($12.99 paid monthly)

Recommended credit score:
660
900

Good to Excellent

American Express Cobalt Card

On American Express’ website

  • Earn 5x the points on eligible restaurants and food delivery in Canada (up to $30,000 annually).
  • Earn 3x the points on streaming subscriptions in Canada.
  • Earn 2x the points on travel and transit purchases.
  • Earn 1x points on all other purchases.
  • Earn 1 additional point on eligible car rental and hotel bookings through Amex Travel Online.
  • Membership Rewards points can be redeemed for travel, merchandise, Amazon.ca purchases, gift cards, or statement credits.
  • You can optionally transfer your points 1:1 to several frequent flyer and loyalty programs.
  • New mobile device insurance is included.
  • Receive regular perks with the Cobalt Perks program.
  • Get one $100 USD hotel credit to use plus a one-category room upgrade when staying at eligible hotels.
  • Out-of-province/country emergency medical, flight delay, baggage delay, hotel burglary, lost or stolen baggage, car rental theft and damage, and $250,000 travel accident insurance are included.
  • Shop confidently with buyer’s assurance and purchase protection plans.
  • Stay connected with American Express Front of the Line presales and reserved tickets, as well as American Express Experiences.
  • No minimum income requirement.

High rewards rate on food and streaming subscriptions

Redeem your points for almost anything or transfer 1:1

Various travel insurance and shopping coverage included

$12.99 monthly fee

$30,000 annual spend cap on the 5x earn category

American Express isn’t accepted at some retailers

The American Express Cobalt Card offers high earn rates on restaurants, food delivery, and select streaming subscriptions in Canada. Points can be redeemed for almost anything, and it includes comprehensive travel and shopping coverage as well as a $100 USD annual hotel credit.

Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

Rewards: Earn up to 6x Scene+ points for every $1 spent.

Welcome offer: Earn up to 40,000 bonus Scene+ points in the first year, plus the first year annual fee waived.

Interest rates: 20.99% for purchases, 22.99% for cash advances.

Annual fee: $120

Recommended credit score:
660
900

Good to Excellent

Scotiabank Gold American Express Card

On Scotiabank’s website

  • Earn 6 Scene+ points for every $1 spent at Sobeys, FreshCo, Safeway, Foodland, and other participating grocery stores.
  • Earn 5 Scene+ points for every $1 spent on dining, food delivery, other grocery stores, and at Cineplex theatres and Cineplex.com.
  • Earn 3 Scene+ points for every $1 spent on daily transit, gas, and select streaming services.
  • Earn 1 Scene+ point for every $1 spent on everything else.
  • Accelerated earn rates (6, 5, and 3 Scene+ points for every $1 spent) are capped at $50,000 annually.
  • Redeem Scene+ points at participating grocery stores, restaurants, entertainment purchases, movie tickets, statement credits, and more.
  • Pay no FX fees when travelling abroad.
  • Access Amex Invites, Offers, and Front of the Line perks.
  • Book and redeem travel through Scene+ Travel.
  • Get a discount on the Priority Pass Membership.
  • Access complimentary concierge services 24/7.
  • Travel insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
  • New mobile device insurance up to $1,000 is included.
  • Purchase security and extended warranty benefits are included.
  • Each supplementary card costs $29 yearly.
  • Minimum credit limit: $5,000.
  • The minimum personal income requirement is $12,000 per year.

No foreign transaction fees

High earn rate on groceries, dining, and Cineplex purchases

Comprehensive travel insurance included

Earn rates on most categories are capped at $50,000 per year

$120 annual fee + $29 for supplementary cardholders

$12,000 minimum personal income requirement

For a moderate $120 annual fee, the Scotiabank Gold American Express Card offers a high earning potential in categories like dining, groceries, and entertainment. It has a flexible redemption program and comprehensive travel insurance, plus no FX fees.

Tangerine World Mastercard

Tangerine World Mastercard

Rewards: Earn 2% unlimited cash back in up to 3 spending categories of your choice, plus 0.50% on all other purchases.

Welcome offer: Get 15% cash back on up to $1,000 in the first 2 months ($150 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

Recommended credit score:
600
900

Fair to Excellent

Tangerine World Mastercard

On Tangerine’s website

  • Earn 2% cash back on up to 3 spending categories of your choice with no limits.
  • Earn unlimited 0.5% cash back on all other purchases outside those categories.
  • Cash back is earned daily and paid out monthly.
  • Promotional balance transfer interest rate of 1.95% for 6 months.
  • Stay connected to over 1 million wifi hotspots with Boingo Wi-Fi for Mastercard.
  • Receive a complimentary membership to Mastercard Travel Pass provided by DragonPass.
  • Access on-demand and subscription services as a Tangerine Cardholder.
  • $1,000 mobile device insurance and rental car collision/loss damage insurance are included.
  • Purchase assurance and extended warranty benefits are included.
  • No annual fee.
  • Track and categorize your spending with the Tangerine mobile app.
  • To be eligible, you must make a minimum of $60,000 personal or $100,000 household annual income.

Earn 2% cash back in up to 3 categories

No annual fee

Includes Mastercard travel benefits and mobile device insurance

High income requirement needed to qualify

No physical bank branches

No travel insurance included

The Tangerine World Mastercard requires a higher annual income but comes with more travel benefits and insurance coverage than the Money-Back Credit Card. The Mastercard Travel Rewards, Boingo Wi-Fi for Mastercard, and Mastercard Travel Pass make it worth applying for.

Each of these cards has its own benefits and downsides, so it’s important to compare them carefully before making a decision.

Is the BMO eclipse Visa Infinite Card Worth It?

The BMO eclipse Visa Infinite Card is definitely worth considering if you’re looking for a top rewards credit card in Canada. The card’s rewards program is generous, and the benefits are impressive.

snappy rates site icon

Subscribe to our Newsletter!

Subscribe to get the latest personal finance news, offers, and our weekly newsletter. You can unsubscribe at any time.

However, the high annual fee and income requirement may not make it the best option for everyone.

FAQs

What is the minimum income for BMO eclipse Visa Infinite card?

The minimum annual income requirement for the BMO eclipse Visa Infinite Card is $60,000, or a household income of $100,000. If you don’t meet the income requirements, you could also qualify if you have spent $15,000 total within the last twelve months on all your other credit cards collectively, a minimum of $1,250 per month on your application.

Is the BMO eclipse Visa Infinite card metal?

No, the BMO eclipse Visa Infinite Card is not a metal credit card.

Does BMO eclipse Visa Infinite have lounge access?

Yes, the BMO eclipse Visa Infinite Card offers access to over 1,200 airport lounges worldwide through the Visa Airport Companion Program.

How can I check my BMO credit card balance online?

You can check your BMO credit card balance online by logging into your BMO online banking account or through the BMO mobile app.

Related:

Bonuses & Deals for February

Free prepaid card with up to 5% cashback. No credit check & $20 bonus when you deposit $50.

Earn average of 5% unlimited cashback. No annual fees and $25 bonus.

Get a $100 cashback bonus in the first 2 months. No annual fee credit card.

No current offers for this category.

Subscribe to our Newsletter!

Subscribe to get the latest personal finance news, offers, and our weekly newsletter. You can unsubscribe at any time.

Gravatar for Enoch Omololu

Enoch Omololu

Enoch Omololu is a personal finance expert. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. Enoch is passionate about helping others win with their finances and has written about money matters for over a decade. He has been featured or quoted in The Globe and Mail, CBC News, Yahoo Finance, GO Banking Rates, Financial Post, Bankrate, Forbes, Toronto Star, CTV News, and other personal finance publications. He founded Savvy New Canadians, one of Canada’s top financial education platforms.

Leave a comment

Hello there
  • Earn up to 225x more than other banks!
  • Get 4.00% interest rate* on every dollar.
  • No monthly fees and unlimited free transactions.
*Terms and conditions apply. Limited time offer.
  • Earn up to 225x more than other banks!
  • Get 4.00% interest rate* on every dollar.
  • No monthly fees and unlimited free transactions.
*Terms and conditions apply. Limited time offer.