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BMO eclipse Visa Infinite credit card full review: should you get it?

Meet the BMO eclipse Visa Infinite, the credit card with one of the best scoring programs in Canada with special and exclusive advantages.

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BMO eclipse Visa Infinite credit card: every day, an avalanche of points to shower you with rewards

BMO eclipse Visa Infinite credit card
Learn all about the BMO eclipse Visa Infinite credit card. Source: BMO

In fact, Canadian bank BMO is a master when it comes to creating cards with good reward programs. So, if you still don’t know this fame, you need to know the BMO eclipse Visa Infinite credit card.

It is a credit card that promises to deliver a real shower of points that can be exchanged for rewards. So, take a look at this review and find out why the BMO eclipse Visa Infinite card needs to be your card.

BMO logo

BMO eclipse Visa Infinite card: check out how to apply!

One of Canada's best scoring program cards. Discover the BMO eclipse Visa Infinite card, the key to a world of exclusives.

Credit ScoreGood (above 650)
Annual Fee$0 in the first year, $120 in the following years
Regular APR20.99%
Welcome bonus60,000 free reward program points
Rewards5x points for every $1 spent on grocery shopping, dinners, gas and transit costs; 1 point for every $1 spent on all other purchases

BMO eclipse Visa Infinite credit card: learn more about this financial product

In fact, the BMO eclipse Visa Infinite is a card with a rewards program designed to maximize your earnings. Thus, it was designed to reward more in the categories that generate the highest monthly expenses. To give you an idea of ​​the reward value on this card, Foster The Money has run a simulation.

Let’s say a hypothetical individual spends a total of $1,000 on grocery shopping, gas, and dinner. Also, he spent $500 on other purchases. If he maintains these expenses every month for a year, he will have accumulated about 100,000 points in the rewards program.

In fact, that’s more than enough to pay for a plane ride from St. John’s (Canada) to Las Vegas (USA) using 86,996 points. If you don’t like to travel, you can spend 42,000 points to buy a fancy dinner or 12,600 points every month to pay your gym membership. Also, you can leverage your earnings by adding other account holders.

With each new owner, your reward increases by 10%. Plus, with the BMO eclipse Visa Infinite card, you have access to exclusive benefits available only with Visa Infinite cards. Among them, access and exclusive benefits at selected hotels, more sophisticated cuisine and discounts at resorts and golf courses.

BMO eclipse Visa Infinite card customers also have $1,000 insurance to cover any loss, theft or accident with their cell phone. Finally, you will still have an extended warranty on purchases and insurance to keep you protected during your trip.

BMO eclipse Visa Infinite credit card features

holding card while using laptop
Learn more about the card’s pros and cons! Source: Pixabay

By the way, the BMO eclipse Visa Infinite card is incredible for those with a more consumerist profile. For this reason, it is so suitable for millennial adults.

However, a deeper analysis is needed to decide if this card is really the best for you. For that, take a look at the topics below. Here are the main advantages and disadvantages of owning the BMO eclipse Visa Infinite card:

What are the benefits?

  • Excellent rewards program, which guarantees higher scores in categories where spending is higher;
  • Great welcome bonus: enough points to finance a flight from Montreal (Canada) to New York (USA);
  • Access to exclusive Visa Infinite benefits;
  • Get $50 free every “birthday” on your card without having to do anything for it.

What are the drawbacks?

  • Very high annual fee;
  • With each new holder added, you will get a $50 increase in your annual fee;
  • To obtain this card, it is necessary to have a family income much higher than the average income of families in the country;
  • Charges 2.5% on each foreign transfer.

What credit score do you need to get the BMO eclipse Visa Infinite credit card?

To have an above-average card, you need an above-average credit score. Therefore, we recommend ordering this card for anyone who has a good score. This means that you will need to have more than 650 points.

How does the BMO eclipse Visa Infinite credit card application process work?

The BMO eclipse Visa Infinite card application process can be done entirely online. In fact, this is a process with very specific income restrictions. To know them, click on the link below to access an exclusive article!

BMO eclipse Visa Infinite credit card

BMO eclipse Visa Infinite card: check out how to apply!

One of Canada's best scoring program cards. Discover the BMO eclipse Visa Infinite card, the key to a world of exclusives.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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