Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Rewards CanadaIt was great to see BMO expand their portfolio by adding in Visa branded cards several years ago however for the most part they missed the mark with this card. They had the opportunity to really make a dent in their competition with these cards but have failed to do so. Don't get us wrong there are...
- Victor, Yore OysterWith a generous welcome bonus of up to 60,000 reward points and an introductory annual fee waiver for the first year, the BMO Eclipse Visa Infinite Privilege Card is one of Canada's best cards for accumulating reward points. The card offers excellent insurance coverage and access to the benefits of...
- Barry Choi, Money We HaveMy BMO eclipse Visa Infinite Privilege* card Review is positive. The value you get in the first year makes the card an obvious choice to sign up for. Since the ongoing benefits are worth more than the annual fee, hanging onto this card for the long run may very well be worth it.
- MoneyGeniusThe BMO eclipse Visa Infinite Privilege garnered 3.2 stars when put through our rating algorithm. It gained lots of points for having a good rewards earn rate, a very generous welcome bonus, a rewards bonus if you add an authorized user, a rich annual lifestyle credit, valuable travel insurance, and...
- Young and ThriftyThe BMO eclipse Visa Infinite Privilege* Card offers first-class perks and ample opportunities to collect and earn rewards. New cardholders can receive up to 90,000 BMO Rewards points*. The card also comes with some serious frills, such as airport lounge access*, exclusive access to entertainment, d...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate |
23.99% 21.99% for Quebec residents |
| Cash Advance Interest Rate |
23.99% 21.99% for Quebec residents |
| Rates & Fees | |
| Annual Fee | $499.00 |
| Balance Transfer Fee |
5% Maximum |
| Cash Advance Fee |
1% Minimum of $5 |
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
50000 points after spending $6,000
|
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | 5 points per $1 spent |
| Gas | 5 points per $1 spent |
| Groceries | 5 points per $1 spent |
| Hotels | No |
| Travel | 5 points per $1 spent |
| Pharmacy | 5 points per $1 spent |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders |
$99 annually per additional card |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | $150,000 per year |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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