BMO eclipse Visa Infinite Offers: Up to $1,150 Value Plus Cashback

The BMO eclipse Visa Infinite* Card comes with an enticing welcome offer, giving you up to $1,150 in value at your first anniversary. The card offers up to 70,000 bonus BMO Rewards points, a $50 Anniversary Lifestyle Credit, and statement credits for monthly streaming. There is no annual fee for the first year, making it a cost-effective starting point, after which it reverts to a $120 annual fee. Purchases are charged at 21.99% interest, and cash advances at 23.99% (21.99% for Quebec residents). Minimum income required is $60,000 individually or $100,000 per household, or at least $15,000 in annual spend.

How to Apply for the BMO eclipse Visa Infinite

• Check you meet the income or spend requirements
• Prepare your personal and financial details
• Visit the official BMO application page
• Fill out the required forms
• Submit your application and wait for approval

Advantages of the BMO eclipse Visa Infinite

This card stands out with its attractive welcome offer, no annual fee during the first year, and the ability to earn 5x BMO Rewards points on groceries, takeout, rideshare, gas, and transit spending.

Adding an authorized user lets you earn an extra 10% in rewards, and the $50 lifestyle credit at your anniversary boosts the card’s ongoing value.

Posibles inconvenientes

After the promotional period, the annual fee becomes $120, which could be a concern if you don’t spend enough to offset the cost with rewards.

Cash advance interest rates are high, and qualifying criteria may make this card out of reach for lower-income individuals.

Veredicto

If you’re looking for a card that delivers strong rewards on everyday purchases and great flexibility on redemption, BMO eclipse Visa Infinite is worth considering. For those meeting the eligibility criteria, the welcome offer and points earning potential make it a compelling option—provided the annual fee fits your budget after year one.