BMO eclipse Visa Infinite Privilege* Card Review
Mar 21, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Mar 21, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$3,031
Get this card if you:
Scores by category
Welcome Bonus 4.5
Rewards 3.4
At a glance
The BMO eclipse Visa Infinite Privilege* Card is a premium rewards credit card offering elevated earn rates on categories such as groceries, dining, drugstore purchases, gas, and travel. Cardholders benefit from an annual lifestyle credit, Visa Airport Companion membership with complimentary lounge visits and comprehensive insurance coverage.
$3,031
First year value
up to $2,300†
Welcome bonus
$599
Annual fee
21.99%
Purchase APR
23.99%
Balance transfer APR
23.99%
Cash advance APR
Excellent
Recommended credit score
$150,000
Required annual personal income
$200,000
Required annual household income
BMO’s newest premium travel rewards card, the BMO Eclipse Visa Infinite Privilege* Card comes with a hefty welcome bonus, high rewards earning rates, fine dining experiences, lounge access*, and plenty more. If you’re an avid traveler or someone who enjoys the finer experiences, read on to see if this card is worth its annual fee and a slot in your wallet.
The BMO Eclipse Visa Infinite Privilege* Card is for high income individuals who love to travel and enjoy fine experiences. It is clear that this card will not be accessible to many Canadians due to its strict eligibility requirements but for those who qualify, there is no doubt this card has a lot to offer.
Other potential applicants that may benefit from a card like the BMO Eclipse VIP Card include:
When you start spending with the BMO Eclipse Visa Infinite Privilege* Card, you’ll recieve the following sign-up bonus:
The BMO eclipse Visa Infinite Privilege Card uses a tiered earning structure, allowing you to rack up points quickly on everyday purchases. Here’s a quick overview of how you can earn points:
BMO Rewards points don't expire as long as you hold an active BMO credit card that earns BMO Rewards points.
Add an authorized user to your account and earn 25% more points on all combined purchases.
BMO Rewards points are flexible and can be redeemed in various ways:
Travel redemptions offer the best value for your points. You have two options:
Read more: Guide to BMO Rewards points
The BMO eclipse Visa Infinite Privilege* card comes with comprehensive insurance coverage, especially for travel. Here's a breakdown of the insurance benefits that comes with this card:
BMO eclipse Visa Infinite Privilege* Card members enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
Visa cardholders have priority access to exclusive entertainment events, including the Toronto International Film Festival and the Visa Infinite Dining Series. The dining series features exclusive events with chefs across the country. You’ll also have access to exclusive tastings at wineries in Ontario, B.C. and California via Visa Infinite Wine Country. Finally, the Visa Infinite Luxury Hotel Collection entitles you to automatic room upgrades when available, complimentary breakfast for two, and food and beverage credits at hotels worldwide.
Due to the low dollar value attached to each BMO Rewards point, like this card user mentions, you may find the rewards less appealing once you use up the bonus points. See below for other great cards to consider.
It's fine for the first year but it's very mediocre once you're paying the annual fee and not getting the bonus points.
/u/SlashNXS
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
There aren’t many rewards credit cards that compare to the BMO eclipse Visa Infinite Privilege* Card, but The Platinum Card® from American Express comes pretty close. The Platinum Card® has a $799annual fee, and for that fee, you receive many of the same benefits as the BMO eclipse Visa Infinite Privilege* Card.
Where The Platinum Card® excels is in the extra travel perks. If you’re a real globe-trotter, you’ll be able to take advantage of the ability to transfer your points to any major loyalty rewards programs (such as Aeroplan) and the ability to level up your hotel loyalty points.
That said, if you aren’t likely to use those particular perks, the less expensive BMO eclipse Visa Infinite Privilege* Card will be the better choice.
| BMO eclipse Visa Infinite Privilege* Card | The Platinum Card® |
|---|---|
|
Welcome bonus:
up to $2,300† |
Welcome bonus:
Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away. |
|
Rewards:
5x points per dollar spent on travel, dining, gas and groceries, and at the pharmacy*; 1x point per dollar spent on everything else* |
Rewards:
Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other card purchases extra points for travel booked through American Express |
|
Lifestyle credit:
$200* |
Lifestyle credit:
N/A |
|
Other extras:
Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD*, mobile device insurance*, travel insurance*, exclusive VISA experiences* |
Other extras:
Airport lounge access, and priority security lines, travel insurance, exclusive hotel experiences, fast-tracking to higher earning tiers with hotel loyalty programs, exclusive American Express invites, points transfer to other frequent flyer programs |
|
Annual fee:
$599 |
Annual fee:
$799 |
| - |
Disclosures:
up to 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
If you're looking for a travel rewards credit card with a lower annual fee and comprehensive travel insurance, you can consider the Scotiabank Passport® Visa Infinite* card. This card comes with complimentary Dragon Pass membership, which gives you 6 free lounge visit passes annually as well as a $0 foreign transactions. You also get access to Scotia's Scene+ rewards program which allows you to redeem points for travel credit, statement credit, free movie tickets and gift cards.
| BMO eclipse Visa Infinite Privilege* Card | Scotiabank Passport® Visa Infinite* Card |
|---|---|
|
Welcome bonus:
up to $2,300† |
Welcome bonus:
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* |
|
Rewards:
5x points per dollar spent on travel, dining, gas and groceries, and at the pharmacy*; 1x point per dollar spent on everything else* |
Rewards:
Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, and Foodland, 2x Scene+ points¹ for every $1 you spend at other eligible grocery stores, on dining, entertainment and daily transit options and 1x Scene+ point for every $1 spent on all other purchases |
|
Lifestyle credit:
$200* |
Lifestyle credit:
N/A |
|
Other extras:
Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD*, mobile device insurance*, travel insurance*, exclusive VISA experiences* |
Other extras:
6 complimentary lounge visits, with the Visa Airport Companion Program, car rental discounts, comprehensive travel and medical insurance |
|
Annual fee:
$599 |
Annual fee:
$150 |
| - |
Disclosures:
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Overall, if you are a power credit card user with a high income, the BMO eclipse Visa Infinite Privilege* Card is an excellent way to supercharge your rewards earnings. The welcome bonus* and $200 annual lifestyle credit* makes this card very compelling and the multitude of extra benefits and perks is one of the best we’ve seen on the market.
Not everyone will qualify for this credit card, due to the stringent requirements set out by BMO. To be approved for the BMO eclipse Visa Infinite Privilege* Card, you’ll need:
Jordann Brown is a freelance personal finance writer whose areas of expertise include debt management, homeownership and budgeting. She is based in Halifax and has written for publications including The Globe and Mail, Toronto Star, and CBC.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
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