BMO eclipse Visa Infinite* Card

Flytrippers opinion:
Flytrippers Valuation
of Welcome bonus (net value)
ends November 30th

via BMO secure application link
$ 360

Rewards: $360

Card fee: $0 $120

Card eligibility
min. income: $60k
OR $100k (household)

Welcome bonus eligibility
BMO Rewards () + $100 in credits
Bonus: 30k pts (OR 60k pts with full bonus)
Earn on min. spend: 9k pts (total: 39k pts)

• $260 for any travel
booked anywhere
• $260 in cashback indirectly
with the refundable hotel trick
How to unlock bonus
spend $3,000 in 3 months




Terms and conditions apply. Flytrippers editorial opinion only. BMO is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review

WHY GET THIS CARD

  • Good welcome bonus of $310
  • Optional additional monthly bonuses of 30,000 more points ($200)
  • Rewards of the more simple type that can be used for any travel expense on any site
  • Excellent insurance coverage

WHO SHOULD GET THIS CARD

  • Those who want travel rewards of the more simple type that can be used anywhere

Card details

Offer structure (2 separate bonuses)

  • 30,000 points Bonus after spending $3,000 (in a maximum of 3 months)
  • *30,000 points Monthly bonus of 2,500 points after spending $2,000 in the month (from month 4 to month 15)

30,000 points Total with the main part of the bonus
*60,000 points Total with the 2 parts of the bonus
*NOT INCLUDED IN OUR FLYTRIPPERS VALUATION

Apply for the BMO eclipse Visa Infinite* Card

Total rewards by unlocking the welcome bonus

  • 30,000 points Welcome bonus (main part)
  • 9,000 points Estimated earn on the $3,000 minimum spending requirement (50% at multiplier earn rate of 5 pts/$ and 50% at base earn rate of 1 pt/$)

39,000 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

Apply for the BMO eclipse Visa Infinite* Card

Net value (at our Flytrippers Valuation of 0.67¢/pt)

  • $200 Bonus after min. spending (30,000 pts)
  • $60 Earn on the required spending (9,000 pts)
  • $50 Lifestyle credit
  • –$0 Card fee (1st year free)

$310 Total net value by unlocking the welcome bonus

‣ Details about our Flytrippers Valuation of welcome bonuses

Effective return rate

10.3% Return on the minimum spending requirement of $3,000 in 3 months

‣ Details about effective return rates (coming soon)

Rewards acquisition summary

$310 Rewards you get for $0 in fees paid

Apply for the BMO eclipse Visa Infinite* Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 39,000 BMO Rewards points you get by unlocking the welcome bonus:

$260 Travel booked on any website
$260 Cashback indirectly with the refundable hotel trick
$260
Deposit in a BMO investment account
≈ $195 Merchandise
≈ $195 Gift cards
$130 Cash back as a statement credit

‣ Learn more about the best redemptions of BMO Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value per BMO Rewards point to help you understand:

0.67¢ Travel booked on any website
0.67¢ Cashback indirectly with the refundable hotel trick
0.67¢ Deposit in a BMO investment account
≈ 0.5¢ Merchandise
≈ 0.5¢ Gift cards
0.33¢ Cash back as a statement credit

‣ Learn more about the basics of the values per point (coming soon)

Redemptions for travel

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. BMO Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 39,000 BMO Rewards points for:

39,000 pts Discount of $260 on travel booked on any website

‣ Learn more about the best redemptions of BMO Rewards points (coming soon)

Redemptions for cashback indirectly

The refundable hotel trick is usually useful for credits, but BMO Rewards points can be cashed out by booking a refundable hotel, by applying the points, and by getting a refund.

Redeem your 39,000 BMO Rewards points for:

39,000 pts Cashback of $260 with the refundable hotel trick

‣Learn more about the best redemptions of BMO Rewards points (coming soon)

Redemptions for investments

Also a redemption of the more simple type, with a fixed value. BMO Rewards points are among the very few that offer a non-travel redemption that doesn’t have a lower value than travel redemptions. You can use your points to get a deposit in a BMO investment account at the same fixed value.

Redeem your 39,000 BMO Rewards points for:

39,000 pts Deposit of $260 in a BMO investment account

‣Learn more about the best redemptions of BMO Rewards points (coming soon)

Redemptions for anything other than travel (except BMO investments)

Should always be avoided, as with all rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Logistics
BMO Rewards points can be used directly on the BMO Rewards website.

‣Learn more about how to get started with the BMO Rewards program (coming soon)

Expiry
BMO Rewards points never expire if you have the BMO eclipse rise Visa* Card (and it’s a no-annual-fee card so there’s no reason to close it).

Learn more about BMO Rewards points expiry (coming soon)

Pooling
BMO Rewards points cannot be pooled with travel companions.

Learn more about pooling BMO Rewards points (coming soon)

Transfers
BMO Rewards points cannot be transferred to more valuable rewards programs.

‣Learn more about transferring BMO Rewards points (coming soon)

Rewards program summary
Rewards: BMO Rewards points
Source: Bank rewards
Type: More simple
Flytrippers Valuation: 0.67¢ per point
Minimum value: 0.67¢ per point
Maximum value: 0.67¢ per point
Transferable: No

Learn more about rewards programs basics (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

5 points per $ (3.33%):

1 points per $ (0.67%):

  • Everywhere else

‣Learn more about credit card earn rates (coming soon)

Earning with additional cards

Fee for additional cards: $50
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

Insurance included

Medical travel insurance (15 days; under age 65)
Car rental insurance
Purchase protection (90 days)
Extended warranty (1 year)
Mobile device insurance ($1,000)

‣Learn more about the BMO eclipse Visa Infinite* Card’s insurance coverage (coming soon)

Insurance not included

Flight delay insurance
Baggage delay insurance
Trip cancelation insurance
Trip interruption insurance
Lost or stolen luggage insurance
Hotel burglary insurance
Travel accident insurance

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility

  • Minimum income: $60,000 (personal) OR $100,000 (household)
  • Age: Majority in your province
  • Estimated credit score: Very Good
  • Credit bureau: Equifax Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not currently have the BMO eclipse Visa Infinite* Card

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offer ends November 30, 2024

Sign up for Flytrippers’ free newsletter about travel rewards to get all card updates

Card details

  • Issuer: BMO (Bank of Montreal)
  • Network: Visa
  • Card Type: Credit card
  • Product Type: Personal card

‣Learn more about credit card types (coming soon)

Fees

  • Card fee: $120 (1st year free)
  • Fee for optional additional card: $50
  • Foreign transaction fee: 2.5%
  • Cash advance fee: $5

 

Annual interest rates

  • Purchase: 20.99%
  • Cash advance: 23.99% (21.99% for Québec residents)
  • Balance transfer: 23.99%

Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $570 value in your first year!*

Earn 5x the BMO Rewards points on groceries, dining, gas and transit*

Get 1 BMO Reward for every $1 spent on everything else*

Get a $50 annual lifestyle credit to spend however you want*

Mobile Device Insurance that covers you for up to $1,000*

Earn 10% more points when you add an authorized user to your account*

Pay with Points by browsing your recent transactions & redeem your points for as little as $1

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and conditions apply

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via BMO secure application

Terms & conditions — Travel rewards

Terms and conditions apply.

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All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

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All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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