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Everything about BMO Eclipse Visa Infinite Card

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The BMO eclipse Visa Infinite Card offers accelerated earn rates on four major spending categories and 10% more points for adding a secondary cardholder.

THE BEST GAS REWARDS CREDIT CARD IN CANADA

BMO Eclipse Visa Infinite Credit Card

How to apply

Rates & Fees

10% bonus for another cardholder

Earn 10% bonus rewards for adding another cardholder.

Welcome Bonus


60,000 BMO Rewards Points

Annual Fee


$120 (waived in the first year)

Regular APR


20.99%

Credit Score


Fair


Rates & Fees

How to apply

10% bonus for another cardholder​

Earn 10% bonus rewards for adding another cardholder.

Welcome Bonus


60,000 BMO Rewards Points

Annual Fee


$120 (waived in the first year)

Regular APR


20.99%

Credit Score


Fair​

The BMO eclipse Visa Infinite Card offers accelerated earn rates on four major spending categories and 10% more points for adding a secondary cardholder. When it comes to gas, it tops this list and is among the best BMO credit cards overall.

  • Welcome bonus of 60,000 BMO Rewards Points (30,000 for spending $3,000 in the first 90 days and 2,500 points for each statement with $2,000 in purchases for 12 months)
  • 5 points per dollar on groceries, fuel, dining and transit (up to $50,000 annually).
  • 1 point per dollar spent on other purchases
  • A rewards value of $112.86 per year on gas spending alone, based on an average annual gas spend of $3,360 (estimated by Forbes Advisor Canada)
  • Forbes Advisor Canada estimates a rewards value of $292.48 in annual earnings based on average Canadian spending, with the annual fee factored in
  • 10% more points for adding an authorized user
  • $50 annual lifestyle credit
  • Travel insurance covers emergency medical care, rental car loss and damage and common carrier accidents

Why We Recommend the BMO Eclipse Visa Infinite Card

When it comes to choosing a credit card, the BMO Eclipse Visa Infinite Card stands out as a stellar option, especially for those who appreciate a card that aligns with their lifestyle and spending habits. This card is not just a financial tool; it’s a gateway to a world of rewards and luxury benefits, tailored for the modern spender.

One of the most compelling reasons to opt for this card is its rewarding points system. Imagine earning five times the points on your everyday essentials like groceries, dining, gas, and transit. This means every time you’re out grabbing a bite, fueling up your car, or commuting, you’re not just spending; you’re also earning points that can be redeemed for a variety of rewards. This feature alone makes the card an excellent choice for those who want to make their regular spending more rewarding.

Additionally, the card’s welcome offer is particularly enticing. New cardholders can enjoy up to 60,000 bonus points and have the first year’s annual fee waived. This initial boost can significantly elevate your points balance, allowing you to indulge in rewards sooner than expected.

Moreover, the BMO Eclipse Visa Infinite Card is not just about earning points; it’s about stepping into a realm of luxury. With access to Visa Infinite benefits like the Luxury Hotel Collection and Dining Series, cardholders can experience a taste of the high life. The card also offers practical benefits like Mobile Device Insurance and extended warranty, adding a layer of security to your purchases.

How Can You Use the BMO Eclipse Visa Infinite Card?

The BMO Eclipse Visa Infinite Card is much more than a mere credit card; it’s a lifestyle enhancer. Whether you’re a food enthusiast, a frequent traveler, or someone who cherishes little luxuries in life, this card is designed to complement and elevate your everyday experiences.

For the foodies, the card is a dream come true. Earning quintuple points on dining means every gourmet adventure and coffee run is not just satisfying for your taste buds but also for your points balance. For those who love to travel, the points can be a ticket to new destinations, redeemable for travel-related expenses, making it an ideal travel companion.

But the appeal of the BMO Eclipse Visa Infinite Card goes beyond just dining and travel. Its versatility shines in its $50 annual lifestyle credit, which you can spend however you like. This unique feature provides an extra layer of freedom, allowing you to celebrate your individuality in whichever way you choose, be it a spa day, a special gift, or anything that brings you joy.

Moreover, the card’s benefits extend to daily commuting and grocery shopping, transforming mundane tasks into rewarding experiences. The high earning rate on gas, public transit, and groceries ensures that your everyday necessities contribute significantly to your rewards pool. This aspect of the card resonates with anyone who values efficiency and looks to get the most out of their daily expenditures.

Another aspect where the BMO Eclipse Visa Infinite Card shines is in its digital features and security. With online and mobile banking tools, card lock and unlock capabilities, and 24/7 credit score access, the card offers a high level of convenience and control over your finances. This makes it an excellent choice for the tech-savvy consumer who values digital integration in their financial management.

Advantages of the BMO Eclipse Visa Infinite Credit Card

The BMO Eclipse Visa Infinite Card is a fascinating choice for those looking for a credit card that offers more than just financial transactions. With a generous rewards program, it stands out by offering 5 times more points on common expenses such as food, gasoline, and transportation. Imagine earning significant points on every trip to the supermarket or each dinner out, transforming everyday expenses into valuable rewards.

Furthermore, this card warmly welcomes new users with a tempting welcome offer: up to 60,000 bonus points and the waiver of the annual fee in the first year. These extra points can be a significant initial boost to enjoy rewards more quickly.

The Visa Infinite benefits add a touch of luxury, offering access to exclusive experiences such as the luxury hotel collection and the Visa Infinite dining series. And let’s not forget about the $50 annual lifestyle credit, a welcome flexibility that allows users to spend it as they wish.

How to apply

Disadvantages of the BMO Eclipse Visa Infinite Credit Card

Despite its many advantages, the BMO Eclipse Visa Infinite Card has some limitations. Firstly, the interest rates can be a point of concern for some users, especially those who tend to carry a balance from month to month. With rates of 20.99% for purchases and 23.99% for cash advances (21.99% for Quebec residents), these rates can accumulate quickly.

Additionally, the income requirements can be an obstacle for some interested parties. With a minimum income requirement of $60,000 for individuals or $100,000 for families, it may not be accessible to everyone.

Credit Analysis on the BMO Eclipse Visa Infinite Card

When it comes to credit analysis for the BMO Eclipse Visa Infinite Card, the process is meticulous and aimed at ensuring that applicants can adequately manage the card. The bank takes into account not only the applicant’s annual income but also their credit history and financial behavior.

To be eligible, one must meet one of the income requirements: a minimum individual income of $60,000 or a family income of $100,000. These thresholds are established to ensure that cardholders have the financial capacity to manage the responsibilities associated with a premium card.

In addition to income, credit history plays a crucial role in the analysis. BMO looks for candidates with a solid credit history, indicating responsible previous credit management. This includes checking payment history, current credit utilization, and any records of default or significant delays. A good credit history not only increases the chances of approval but can also influence the credit limit granted.

The bank may also consider other factors, such as employment stability and the duration of residence at the current address. These factors help to assess the overall risk associated with granting credit.

Is There a Maximum and Minimum Limit for the BMO Eclipse Visa Infinite Card?

When considering the BMO Eclipse Visa Infinite Card, it’s important to understand the range of credit limits offered. Typically, the credit limit is based on individual financial circumstances and creditworthiness. BMO assesses factors such as your income, credit history, and existing debts to determine your credit limit.

While the exact minimum and maximum limits aren’t publicly disclosed, they are likely to align with the card’s premium nature, catering to those with solid financial backgrounds. Remember, a higher income and a strong credit history can lead to a higher credit limit, enhancing your spending power and benefits.

Want to Apply? Learn How to Get the BMO Eclipse Visa Infinite Card Here

Thinking about elevating your credit card experience with the BMO Eclipse Visa Infinite Card? If you’re ready to enjoy the myriad of benefits and rewards this card offers, it’s time to take the next step. Click the button below to move to the next page where you’ll learn how to apply for this prestigious card.

We’ll guide you through the application process, helping you unlock the potential of a card that aligns with your lifestyle and spending habits. Don’t wait any longer to start earning rewards on every purchase – click below and begin your journey with the BMO Eclipse Visa Infinite Card today!

How to apply

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