BMO eclipse Visa Infinite Card

If you’re seeking a credit card with fantastic rewards, you should consider the BMO eclipse Visa Infinite Card. This card is packed with benefits. To start, it offers a generous bonus of reward points and waives the annual fee for the first year. To be eligible for this card, you need to have an individual income of at least $60k or a household income of $100k. The card is an ideal choice for those who frequently make purchases in categories like groceries, gas, dining out, or transit, as it rewards you with five times the points on these purchases. For all other purchases, you’ll earn one point for every dollar spent. If you are looking for a rewarding credit card, BMO eclipse Visa Infinite Card could be the perfect choice.

Card Summary:

• The annual fee for the card is $120.
• The interest rate for purchases is 20.99%.
• The interest rate for cash advances is 23.99%.
• To qualify for the card, an individual must have a minimum annual income of $60,000, while a household must have a minimum annual income of $100,000.

Rewards Summary:

You can earn five times the points for every $1 spent on groceries, dining, drugstore purchases, gas, and travel. Additionally, by adding an authorized user to your account, you can earn 10% more points on all purchases. Moreover, you will receive a yearly $50 credit for your lifestyle. It’s worth noting that the value of BMO points is approximately 2.5%.

Benefits Summary:

• Visa Infinite Privilege benefits
  • You can enjoy a Visa Airport Companion membership that includes 6 complimentary airport lounge visits per year.
  • You can enjoy discounts on Priority Security Lane, airport parking, and valet services at selected Canadian airports.
  • You may access the Visa Infinite Luxury Hotel Collection which offers exclusive benefits such as complimentary breakfast.
  • Connect with Visa Infinite Privilege Concierge – your personal on-call assistant.
  • Experience unique dining and wine events with the Visa Infinite Dining Series and Visa Infinite Wine Country.
  • Enjoy discounts at over 95 golf resorts & courses worldwide and access to select private clubs in the US with Troon Rewards Golf benefits.
• Take control of your card with alerts, card lock/unlock, and lost/stolen card reporting.
• Get peace of mind with Visa Secure.
• You can get free and round-the-clock access to CreditView without affecting your credit score.

Coverage Summary:

• Mobile Device Insurance
• Purchase Security and Extended Warranty Insurance
• Travel Insurance

Editor’s Review of the BMO Eclipse Visa Infinite Card

The BMO Eclipse Visa Infinite Card offers a well-rounded package of rewards and benefits tailored to the needs of spenders who prioritize dining, travel, and everyday purchases. This card positions itself in the market with a mix of generous reward point earnings and valuable insurance covers that make it a compelling choice for eligible consumers. Below, we break down the core aspects of the card.

Welcome Offer and Eligibility: The card welcomes new users with an attractive offer of 30,000 points for spending $3,000 within the first three months, along with an additional earning opportunity of 2,500 points for each month of spending $2,000 over the next year. This initial boost is complemented by the waiving of the annual fee for the first year. To qualify, applicants need a minimum individual income of $60,000 or a household income of $100,000, making it accessible to middle-income earners and above.

Rewards Program: The BMO Eclipse Visa Infinite excels in its rewards program, offering five times the points on essential and frequent spending categories such as groceries, dining, drugstore purchases, gas, and travel. This is an excellent rate that places it competitively among premium cards. All other purchases earn one point per dollar spent. Adding an authorized user increases your earning potential by an additional 10% on all purchases, maximizing the benefit for families or shared accounts.

Annual Fee and Interest Rates: An annual fee of $120 places this card in the mid-range category for Visa Infinite cards. The interest rates are standard for the industry at 20.99% on purchases and 23.99% on cash advances. While these rates are competitive, they underscore the importance of paying off balances each month to avoid hefty interest charges.

Additional Benefits: The card’s array of benefits includes:

• Visa Infinite Privilege benefits: Access to six complimentary airport lounge visits per year, plus discounts on services at certain Canadian airports.
• Exclusive hotel and dining experiences: Members can enjoy benefits at luxury hotels and exclusive dining and wine events.
• Golf benefits: Discounts at over 95 golf resorts and access to select private clubs in the US.
• Digital security features: Card management tools such as alerts, card locking, and a free credit monitoring service enhance user convenience and security.

Insurance Coverages: The card provides comprehensive insurance that includes travel insurance, mobile device insurance, and purchase security with extended warranty coverage. These benefits are particularly valuable for frequent travelers and tech-savvy consumers who value protection for their purchases and devices.

Conclusion: The BMO Eclipse Visa Infinite Card offers substantial value through its rewards program, making it an ideal choice for individuals who spend heavily on groceries, dining, and travel. The range of benefits and insurances adds substantial value, justifying the annual fee for active users. The inclusion of luxury and convenience-oriented benefits makes it particularly appealing to those who value lifestyle and travel perks alongside their spending rewards. This card is a strong contender for anyone looking to maximize returns on their everyday spending while enjoying premium benefits.

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Please note that the information provided on this site is not intended to be construed as professional or financial advice. For the latest and most accurate information on rates, terms, and conditions, kindly refer to the official webpage of the credit card.