Terms & Conditions

  1. BMO eclipse Visa Infinite applications must be received between March 6, 2024 and January 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO eclipse Visa Infinite cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice. 

    $570 in value is made up of:

    1. Up to 60,000 bonus reward points (worth up to $400 when redeemed for travel-related purchases at 150 points = $1)
      1. 30,000 BMO Rewards welcome bonus points will be credited to primary credit cardholder’s Collector Account after you spend a minimum of $3,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 90 days after the account open date. This 30,000 BMO Rewards welcome bonus points will be credited within sixty (60) business days following the qualifying $3,000 spend, provided the account is open and in good standing. 
      2. Starting on Day 91 after account open date, an additional 2,500 BMO Rewards bonus points will be credited to the primary credit cardholder’s Collector Account for each subsequent 30 day period during which at least $2,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) are posted to your account. This additional spend bonus will be earned only for the period beginning on Day 91 and ending on Day 458 from the account open date. 2,500 BMO Rewards bonus points will be credited within seven (7) business days after each 30 day period following the qualifying $2,000 spend, provided the account is open and in good standing.  

      If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Rewards earned within that period may be cancelled. Both eligible travel and non-travel purchases can be redeemed up to 90 days after the purchase date. To be eligible for the travel redemption rate of 150 points per $1 value, travel purchases must be made at merchants that are classified as airlines, car rental agencies, hotels/resorts, vacation packages, cruise lines, eligible vacation rentals, passenger railways, timeshares, travel agencies and tour operators. For all other non-travel purchases, you can redeem at a rate of 200 points per $1 value. 

      Please refer to the Pay with Points section of bmorewards.com for extended Terms and Conditions.

    2. Annual Fee Waiver Offer ($120 in value): The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.
    3. Primary Cardholders will be eligible to receive a $50 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $50 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $50 credit in that annual period. Any additional lifestyle credit of $50 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back. 
  2. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made at merchant locations in Canada classified as gas, grocery, transit, and dining. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
  3. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  4. Primary Cardholders will be eligible to receive a $50 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $50 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $50 credit in that annual period. Any additional lifestyle credit of $50 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back.
  5. The earn rate for purchases at merchants not classified as gas, grocery, transit, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  6. For full program terms and conditions please visit https://www.visainfiniteluxuryhotels.ca/. When you book through the Visa Infinite Luxury Hotel Collection you will automatically enjoy the following seven exclusive benefits: Best Available Rate Guarantee, automatic room upgrade upon arrival when available, 3PM check-out when available, complimentary continental breakfast, free in-room internet, $25 food or beverage voucher, VIP Guest Status.
  7. Offers are available to Visa Infinite and Visa Infinite Privilege cardholders only. Limit of 6 tickets per cardholder, and tickets are subject to availability. Call 1-888-711-9399 for tickets, which may be refunded, at the cardholder’s request, up to 4 days before the event date. Cancellations made less than 4 days prior to the event date are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Please drink responsibly. Venues are not conducive to young children.
  8. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
  9. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit.  The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled.  By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy.  Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer.  Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.  
  10. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions. Visit your branch; call the Customer Contact Centre at 1-833-256-7137, or visit bmo.com/creditcards for current rates and fees.
  11. Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.