BMO eclipse Visa Infinite Privilege Card

If you’re someone who travels often and prioritizes comfort and convenience, this card is a great option for you. With this card, you can enjoy various benefits that can enhance your travel experience. For example, you’ll receive six complimentary lounge visits, providing you with a great opportunity to relax before your flight. You’ll also have priority access to airport security lanes, saving you time and hassle. Additionally, you’ll enjoy priority and discounted valet parking, which can be very useful when you’re in a rush.

In addition, this card provides access to the Visa Infinite Luxury Hotel Collection, allowing you to enjoy exclusive benefits and perks at some of the world’s most luxurious hotels. However, it’s important to note that this card comes with a high annual fee. Therefore, before applying, make sure that you will benefit from all the rewards this card offers, as it may not be suitable for everyone.

Card Summary:

This premium credit card has a $499 annual fee. It charges 20.99% interest on purchases and 23.99% on cash advances. To qualify, you must have an annual income of at least $150,000, or a household income of at least $200,000. This card is designed for high-income individuals seeking exclusive benefits and services.

Rewards Summary:

With this premium credit card, you earn five times the points for every $1 spent on groceries, dining, drugstore purchases, gas, and travel. You can boost your rewards by earning 25% more points on all purchases by adding an authorized user to your account. Additionally, you receive a yearly $200 lifestyle credit to use as you like. The value of BMO points is approximately 2.5%, making your rewards even more valuable.

Benefits Summary:

With the Visa Infinite Privilege card, you enjoy a host of exclusive benefits:

• Airport Lounge Access: A Visa Airport Companion membership that includes 6 complimentary airport lounge visits per year.
• Airport Services: Discounts on Priority Security Lane, airport parking, and valet services at selected Canadian airports.
• Luxury Hotel Benefits: Access to the Visa Infinite Luxury Hotel Collection, which offers perks like complimentary breakfast.
• Concierge Service: Connect with the Visa Infinite Privilege Concierge, your personal on-call assistant.
• Dining and Wine Events: Experience unique dining and wine events through the Visa Infinite Dining Series and Visa Infinite Wine Country.
• Golf Benefits: Enjoy discounts at over 95 golf resorts and courses worldwide and access to select private clubs in the US with Troon Rewards Golf benefits.
• Card Management: Take control of your card with alerts, card lock/unlock, and lost/stolen card reporting.
• Security: Get peace of mind with Visa Secure.
• Credit Monitoring: Free, round-the-clock access to CreditView, allowing you to monitor your credit without affecting your credit score.

These features make the Visa Infinite Privilege card ideal for those seeking luxury and convenience.

Coverage Summary:

This credit card comes with comprehensive insurance benefits for your peace of mind:

• Emergency Medical Insurance: Coverage for medical emergencies that occur outside your home province or country.
• Common Carrier Insurance: Protection while traveling on public transportation.
• Collision/Loss Damage Insurance for Car Rentals: Coverage for rental cars in case of collision or theft.
• Trip Cancellation/Trip Interruption Insurance: Financial protection if your trip is canceled or interrupted due to covered reasons.
• Flight Delay and Baggage Insurance: Compensation for baggage delay, loss, theft, or damage, as well as for flight delays and other inconveniences.

These insurance benefits ensure you’re well-protected during your travels, offering peace of mind and financial security.

Editor’s Review

BMO eclipse Visa Infinite Privilege Card Review

The BMO eclipse Visa Infinite Privilege Card is designed for high-income individuals who frequently travel and prioritize comfort and convenience. This premium card offers extensive travel benefits, rewards, and luxury perks, making it ideal for those seeking an elevated travel experience. However, its high annual fee necessitates careful consideration to ensure the benefits align with your needs.

Card Summary

• Annual Fee: $499
• Supplementary Cards: $99 each
• Purchase Interest Rate: 20.99%
• Cash Advance Rate: 23.99%
• Income Requirement: $150,000 annual individual income or $200,000 household income
• Welcome Offer:
  • 50,000 points after spending $6,000 in the first 3 months
  • Additional 40,000 points after spending $100,000 in the first year

Rewards Program

• Points Earn Rate:
  • 5x points on groceries, dining, drugstore purchases, gas, and travel
  • 1x point on all other purchases
  • 25% more points on all purchases when adding an authorized user
• Redemption Options: Travel, merchandise, gift cards, and statement credits
• Annual Lifestyle Credit: $200

Benefits Summary

• Airport Lounge Access: Visa Airport Companion membership with 6 complimentary visits per year
• Airport Services: Discounts on Priority Security Lane, airport parking, and valet services at select Canadian airports
• Luxury Hotel Benefits: Access to Visa Infinite Luxury Hotel Collection with perks like complimentary breakfast
• Concierge Service: Visa Infinite Privilege Concierge for personalized assistance
• Dining and Wine Events: Access to unique dining and wine events through Visa Infinite Dining Series and Visa Infinite Wine Country
• Golf Benefits: Discounts at over 95 golf resorts and courses worldwide, access to select private clubs in the US with Troon Rewards Golf benefits
• Card Management: Alerts, card lock/unlock, and lost/stolen card reporting
• Security: Visa Secure for added peace of mind
• Credit Monitoring: Free access to CreditView for monitoring your credit

Insurance Coverage

• Emergency Medical Insurance: Coverage for medical emergencies outside your home province or country
• Common Carrier Insurance: Protection while traveling on public transportation
• Collision/Loss Damage Insurance for Car Rentals: Coverage for rental cars in case of collision or theft
• Trip Cancellation/Trip Interruption Insurance: Financial protection for trip cancellation or interruption due to covered reasons
• Flight Delay and Baggage Insurance: Compensation for baggage delay, loss, theft, or damage, and flight delays

Security Features

• Security Features: Comprehensive fraud protection, chip technology, and secure online transactions

Spending Structure

This card is most beneficial for users who:

• Travel frequently and value airport lounge access and hotel perks
• Spend heavily on dining, groceries, gas, and travel to maximize rewards points
• Have high annual spending to take full advantage of the welcome offer and rewards structure

Final Verdict

The BMO eclipse Visa Infinite Privilege Card is a top-tier choice for those who travel frequently and can fully utilize its extensive travel benefits and high rewards earn rate. The welcome offer is lucrative, especially for those with high annual spending. However, the high annual fee means it’s best suited for those who will regularly take advantage of the lounge access, hotel benefits, and other travel perks. If you fit this profile, the BMO eclipse Visa Infinite Privilege Card can offer substantial value and elevate your travel experiences.

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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 credit card webpage.