BMO eclipse Visa Infinite* Card: A Comprehensive Guide to Maximizing Rewards and Perks

The BMO eclipse Visa Infinite* Card is tailored for Canadians seeking robust rewards and premium benefits on daily spending. As part of BMO’s signature credit card lineup, this card distinguishes itself by offering exceptional earning rates, lifestyle perks, and the reliability of a major Canadian financial institution. It’s a compelling choice for those who spend regularly on groceries, dining, gas, and transit, and who desire flexibility in redeeming rewards.

With its focus on everyday categories, this card provides substantial value outside of travel-related or co-branded rewards ecosystems. Users gain access to the comprehensive BMO Rewards program, lifestyle credits, insurance protections, and exclusive Visa Infinite privileges—all packaged under a straightforward earning model. These elements combine to make the BMO eclipse Visa Infinite* Card especially appealing for busy professionals, urban families, and commuters.

Benefits of the BMO eclipse Visa Infinite* Card

A suite of features enhances the value proposition of this card. Its combination of flexible points, lifestyle credits, and travel protections make it stand out among Canadian rewards cards.

• 5 BMO Rewards points per $1 spent on groceries, dining, gas, and transit purchases
• 1 point per $1 on all other purchases
• $50 annual lifestyle credit to offset a range of everyday purchases
• Robust travel and purchase protection insurance, including emergency medical, trip interruption, rental car collision, and purchase security
• Access to exclusive Visa Infinite Dining, Wine, and Luxury Hotel privileges
• Mobile device insurance up to $1,000 for new smartphones or tablets purchased with the card
• Superior fraud protection suite and worldwide Visa acceptance

Prerequisites to Apply

Eligibility requirements include:

• Personal annual income of at least $60,000, or household income of $100,000
• Good to excellent credit score
• Must be age of majority in the province or territory of residence
• Canadian residency and a valid Canadian address

These criteria ensure the card is accessible primarily to those with a stable financial profile and responsible credit use history.

About the Bank of Montreal (BMO)

Founded in 1817, the Bank of Montreal (BMO) stands as Canada’s oldest bank, recognized for its enduring presence and innovation in the financial sector. With over 200 years of operational history, BMO now ranks among the nation’s “Big Five” banks, catering to more than 12 million clients worldwide. Its vast footprint spans consumer banking, commercial lending, wealth management, and investment services.

BMO is noted for its forward-thinking digital banking solutions and commitment to customer service. Its legacy of reliability is complemented by support for diversity, sustainability, and inclusive financial opportunities. Clients benefit from a blend of in-person and online services, enjoying seamless experiences through branches, digital platforms, and a user-friendly mobile app (available for both Android and iOS).

Who Is This Card For?

The BMO eclipse Visa Infinite* Card targets individuals who maximize spending on lifestyle and essentials. It fits:

• Urban professionals and commuters spending heavily on groceries, restaurants, transit, and gas
• Households seeking to capitalize on flexible rewards for travel, investment, or statement credits
• Cardholders wanting premium protection and lifestyle perks, but not tied to a specific airline or hotel
• Frequent users of mobile payments or those needing insurance for new devices

This is not the right fit for those seeking a no-fee card or those rebuilding credit.

What Rewards and Programs Does the Card Offer?

The BMO eclipse Visa Infinite* Card earns BMO Rewards points:

• 5x points on every dollar spent at merchants classified as grocery stores, dining establishments, gas stations, and public transit services (including rideshares and taxis)
• 1x point per dollar on all other eligible spending

Points can be redeemed for:

• Travel (flights, hotels, packages, car rentals via BMO Rewards travel portal)
• Merchandise and gift cards
• Statement credits or contributions to BMO investment products (RRSP, TFSA, etc.)
• Flexible rewards with no blackout dates

Additionally, cardholders receive a $50 annual lifestyle credit applicable to eligible everyday purchases. Access to the Visa Infinite Concierge and invitations to curated events add further value.

Initial Credit Limit

The initial credit limit is determined during the application review. Typical features include:

• Minimum credit limit: $5,000
• Maximum credit limit: Subject to credit assessment and personal financial situation

Applicants with stronger income and credit profiles may qualify for higher starting limits.

Step by Step to Apply for the Card

Applying for the BMO eclipse Visa Infinite* Card online is efficient and user-friendly:

1. Visit the official BMO page.
2. Click the “Apply Now” button for the BMO eclipse Visa Infinite* Card.
3. Fill in personal identification and contact details.
4. Complete employment and income information accurately.
5. Review the summary of your application.
6. Submit for processing and await BMO’s response via email or phone.

You can apply directly here:

Apply for the BMO eclipse Visa Infinite* Card

BMO also offers a mobile app for account management:
Android app link | iOS app link

Card’s Pros and Cons

A balanced evaluation helps ensure this card is the right fit for your needs.
Pros:

• High earning rates on common everyday categories
• Flexible BMO Rewards redemption options
• Valuable $50 annual lifestyle credit
• Strong travel and purchase insurance, plus mobile device coverage
• Access to premium Visa Infinite experiences
• Wide acceptance and fraud protection from Visa

Cons:

• $120 annual fee, plus $50 for each additional cardholder
• Income eligibility may exclude some applicants
• High APR of 19.99% (purchase), 22.99% (cash advance)
• Foreign transaction fee applies (usually around 2.5%)
• No airport lounge access (unlike some other premium cards)

How to Unlock the Card?

Upon receiving your card, activate it promptly:

• Call the activation number provided with your mailer
• Or activate via BMO’s secure online banking portal or mobile app
• Follow the prompts to set your PIN and complete activation
• If you have issues, reach out to BMO customer service

Fees and Tariffs

Key costs and interest rates associated with the BMO eclipse Visa Infinite* Card include:

• Annual fee: $120
• Additional card: $50 each
• Purchase APR: 19.99%
• Cash advance APR: 22.99%
• Foreign transaction fee: 2.5% of the Canadian dollar transaction amount
• Late payment, balance transfer, and overlimit fees: Variable; refer to your cardholder agreement

To fully benefit from rewards, aim to pay your balance in full monthly and avoid interest charges.

Customer Service

BMO provides robust support channels for credit cardholders:

• Website
• Card Information & Application: Official BMO eclipse Visa Infinite* Card page
• Phone: 1-800-361-3361 (general cardholder inquiries)
• BMO Mobile App: Available on Android and iOS platforms

DOWNLOAD FOR IOS

DOWLOAD FOR ANDROID

For specific questions regarding applications, fees, or card benefits, visit the website or use the secure chat and message options within your BMO online banking account.

Disclaimer: Credit card terms and features can change at any time. This guide is for educational purposes and does not constitute financial advice. Always consult BMO’s official website for up-to-date information and read the cardholder agreement carefully before applying. Practice responsible credit usage and strive to pay account balances in full to avoid interest charges.