New cardmembers can earn up to $1,150 in value including up to 70,000 bonus points by completing the steps below.
How to earn it
40,000 bonus pointsSpend at least $3,000 within the first 3 months after account opening.
30,000 bonus pointsSpend at least $2,000 in each monthly statement period from month 4 through month 12.
Up to $240 in streaming creditsReceive a $20 monthly streaming subscription statement credit during the first year when eligible spending requirements are met.
First-year annual fee waiverThe $120 annual fee is waived for the first year.
$50 Anniversary Lifestyle CreditReceive a $50 lifestyle statement credit after meeting the anniversary credit requirements.
Available to new BMO eclipse Visa Infinite cardholders who meet the offer requirements. Existing BMO Rewards credit cardholders and previous cardholders may not be eligible for the welcome offer. Terms and conditions apply.
How you earn
5 BMO Rewards points per $1 spent on eligible groceries
5 BMO Rewards points per $1 spent on eligible gas and transit purchases
5 BMO Rewards points per $1 spent on eligible dining purchases
5 BMO Rewards points per $1 spent on eligible takeout and food delivery purchases
1 BMO Rewards point per $1 spent on all other eligible purchases
Earn 10% more points on all purchases when an authorized user is added to the account
Redeem BMO Rewards points for travel, merchandise, gift cards, investments, statement credits, and more
Built-in perks & coverage
Annual Lifestyle Credit
Receive a $50 statement credit every year that can be used toward eligible purchases.
First-Year Annual Fee Waiver
The $120 annual fee is waived for the first year as part of the welcome offer.
Emergency Medical Insurance
Out-of-province and out-of-country emergency medical coverage of up to $5 million per insured person for eligible trips of up to 15 consecutive days.
Common Carrier Insurance
Coverage for accidental death or dismemberment while traveling on eligible common carriers when the fare is charged to the card.
Rental Car Collision and Loss Damage Insurance
Coverage for eligible rental vehicles when the full rental cost is charged to the card and coverage requirements are met.
Mobile Device Insurance
Up to $1,000 of protection against loss, theft, or accidental damage for eligible mobile devices purchased with the card.
Extended Warranty Insurance
Doubles the original manufacturer's warranty period on eligible purchases for up to one additional year.
Purchase Security Insurance
Eligible purchases are protected against theft or accidental damage for 90 days from the purchase date.
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Visa Infinite Luxury Hotel Collection
Access premium hotel benefits including perks such as complimentary breakfast and other participating property privileges.
Visa Infinite Concierge
Access to a dedicated concierge service for travel, dining, entertainment, and lifestyle assistance.
Visa Infinite Dining Series
Access to exclusive dining experiences, culinary events, and restaurant offers through Visa Infinite.
Troon Golf Benefits
Enjoy discounts at participating Troon golf courses and resorts worldwide.
Instacart+ Membership
Receive six complimentary months of Instacart+ membership when enrolled with an eligible BMO credit card.
Monthly Instacart Credit
Receive a $10 monthly Instacart credit after enrolling an eligible BMO credit card.
Authorized User Bonus
Earn 10% more BMO Rewards points on purchases when an authorized user is added to the account.
Car Rental Discounts
Save up to 30% with Avis and up to 35% with Budget on eligible prepaid car rentals, with minimum discounts available on standard bookings.
Visa Secure Protection
Additional online purchase security and fraud protection through Visa Secure.
Card Management Tools
Lock or unlock your card, manage alerts, and report lost or stolen cards through BMO Digital Banking.
The verdict
What we like
Generous rewards earning rates
Annual lifestyle credit
Bonus points with authorized users
First-year annual fee waiver
Comprehensive travel and purchase insurance
Visa Infinite travel and lifestyle benefits
Worth noting
Low point redemption value
High income requirements
Limited travel insurance coverage
Foreign transaction fees apply
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