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BMO eclipse Visa Infinite Privilegefootnote starCard

Make every moment more rewarding with extra earning power and perks.

Welcome offer

Minimum $150,000 (individual) or $200,000 (household) annual income required.

  • Our best offer, get up to $2,300 in value52

    This includes:

    • Up to 200,000 BMO Rewards Welcome Bonus Points52
    • Up to $200 NEXUS Statement Credit in your first year52
    • $200 Anniversary Lifestyle Credit52
    • Visa Airport Companion Program membership and 6 Complimentary Lounge Passes52
    • Earn 25% more points when you add another cardholder52

     

Your everyday just got more rewarding

5x the points

For every $1 spent on groceries, dining in and out, drugstore purchases, gas, and travel.53 You deserve it.

Earn 25% more points

On all purchases when you add an authorized user to your account.54 Lucky you (and them!)

Get a $200 anniversary lifestyle credit

To use however you want.55 Go on, spoil yourself.

Make every day 5x more rewarding

Earn more (a lot more) on your daily needs and wants.

  • Groceries

    Give every recipe the 5-star treatment with 5x the points on groceries. Bon appétit!53

  • Dining in and out

    You’ve got great taste! Earn 5x the points on fine dining, Friday night drinks and takeout.53

  • Gas

    Make long-weekend traffic in cottage country a little more bearable with 5x the points on gas.53

  • Drugstore

    Elevate your everyday errands with 5x the points on healthcare, beauty and other drugstore purchases.53

  • Travel

    Let the journey be as rewarding as the destination with 5x the points on travel.53

Plus, earn 1 point for every $1 spent on everything else56 – you deserve it.

Minimum $150,000 (individual) or $200,000 (household) annual income required.

Your Visa Infinite Privilege benefits

  • Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD. Enrollment is required. Enroll at visaairportcompanion.ca or through the Visa Airport Companion App.57
  • Get Priority Security Lane, airport parking and valet service discounts at select Canadian airports.58
  • Access the Visa Infinite Luxury Hotel Collection with exclusive benefits (like free breakfast).59
  • Connect to the Visa Infinite Privilege Concierge - it’s like having a personal assistant on call!60
  • Enjoy unique dining and wine events with Visa Infinite Dining Series61 and Visa Infinite Wine Country.62
  • Get the Troon Rewards® Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S.63

Already a cardholder? Visit visa.ca/infiniteprivilege to find a full list of available benefits. Enroll to get emails and to be the first to know about exclusive offers and experiences.

BMO Rewards calculator

How many BMO Rewards points can you earn with the BMO eclipse Visa Infinite Privilege footnote star Card?

Estimate your monthly spending

Groceries, dining, drugstore, gas and travel (earn 5x the points for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in
Minimum $0Maximum $15,000

All other purchases (earn 1 point for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in
Minimum $0Maximum $15,000
Your first year BMO Rewards points total:

Your first year B M O Rewards points total: 0 Yearly breakdown: Bonus points: 0 Groceries, dining, drugstore, gas and travel: 0 All other purchases: 0 0

Bonus points:
0
Groceries, dining, drugstore, gas and travel:
0
All other purchases:
0
Use of the reward calculator is for illustrative purposes only. Values displayed valid as of March 6, 2024.
Use your BMO Rewards points to treat yourself to something big – or something small. They’re yours to use however you like.
You could redeem 42,000 points for dinner for two at a nice restaurant.
OR redeem those points on a variety of everyday treats, such as:
  • 2,400 points for lattes for you and a friend
  • 12,600 points for a monthly gym membership
  • 16,800 points for a spa treatment
Minimum $150,000 (individual) or $200,000 (household) annual income required.

How to Pay with Points

Treat yourself with BMO Rewards and Pay with Points. Perfect for life’s little pleasures like your morning flat white, tickets to a matinee or a bouquet of flowers just because.

1. Sign into bmorewards.com and select the Pay with Points tab.

2. Browse your recent transactions and select which eligible purchase you want to redeem points for.

3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!64

BMO eclipse Visa Infinite Privilegefootnote star Card

Ready to make every moment an eclipse moment? Here’s what you need to know:

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Minimum $150,000 (individual) or $200,000 (household) annual income required.

Save on groceries and more with complimentary Instacart+

Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.120 Terms apply. 

Learn more
  • Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip - up to 22 consecutive days. footnote star
  • Common carrier insurance.
  • Car rental – collision/loss damage insurance.
  • Trip cancellation/trip interruption insurance.
  • Flight delay insurance up to $1,000 per trip for all insured persons. footnote star
  • Baggage insurance.
  • Hotel burglary insurance up to $2,500 per occurrence for all insured persons. footnote star

footnote star details​ Please review the BMO eclipse Visa Infinite Privilege Certificate of Insurance for more details. 

TOP-UP INSURANCE

Your credit card already includes built-in travel insurance. With BMO Travel Insurance, you can top up your coverage for longer trips and boost your benefits for added protection beyond your existing plan.

Learn More
  • Mobile Device InsuranceProvides up to $1,000 of protection against loss, theft or accidental damage of your smartphone, cellular phone or tablet, anywhere in the world if the device is purchased in full with your card or, if financed through a fixed term contract with a Canadian wireless service provider and all recurring wireless bill payments are charged to your card.97
  • Extended Warranty InsuranceDoubles the original manufacturer’s warranty period on items purchased up to a maximum of one year when you charge the full purchase price to your card.97
  • Purchase Security InsuranceCovered items purchased in full with your card are automatically insured against theft or damage for the first 90 days from date of purchase.97
  • Visa SecureEnjoy an additional layer of security on all online purchases with Visa Secure. It safeguards cardholders if there is any monetary loss resulting from fraudulent card use. 
  • BMO AlertsManage notifications for credit card transactions, large purchases, international use and more via BMO Digital Banking or BMO Mobile Banking.
  • Card Lock / UnlockYou can lock / unlock your card instantly via BMO Digital Banking or BMO Mobile Banking.
  • Lost / Stolen ReportingReport your card lost or stolen and request for a new one via BMO Digital Banking or BMO Mobile Banking.  

BMO PaySmart™ Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Ready to apply?

Start celebrating your everyday moments now.

We’ll respond in under 60 seconds.

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

  • Safety and security

    Can’t find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

screen shot of BMO mobile banking app, displaying the accounts summary page

Frequently Asked Questions

  • Think of it as getting rewarded just for being you! A lifestyle credit card offers increased points earned on the things you buy the most.

  • You’ll need to share a few things to open an account online, including your name, date of birth, contact info, SIN, address, employment status, income source(s), rent or mortgage amount, and what you’ll be using the account for.

    • 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

  • For BMO eclipse Visa Infinite Privilegefootnote star cards, your minimum annual income should be $150,000 (individual) or $200,000 (household). If you don't meet the income requirements, you could also qualify if you have $50,000 total spend within the last twelve months on all your other credit cards collectively, a minimum spend of $4,170 per month on application.

  • Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps.

    Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

  • When you are sent a new card, a return envelope will also be provided. Activate your new card first, then using the envelope provided, return your old card by dropping it off at any community mailbox.

  • Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account.

    To get started, simply login and follow these steps for recent eligible credit card purchases of $100 CADCanadian currency or more:

    1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
    2. Go to the Installment Plan tab and click the Create button.
    3. Select the plan that works best for you.

  • Help me choose

    Let us know what you’re looking for in a credit card and we’ll find your best match.

  • Compare cards

    Select the cards you’re interested in and see how their features compare against each other.

Registered sign BMO is a registered trademark of Bank of Montreal.footnote star details Trademark of Visa International Service Association and used under license.