New cardmembers can earn up to $2,300 in value including up to 200,000 bonus points by completing the steps below.
How to earn it
Up to 200,000 BMO Rewards pointsEarn bonus points by meeting the spending requirements outlined in the welcome offer during the promotional period.
Up to $200 NEXUS Statement CreditCharge an eligible NEXUS membership fee to the card during the first year.
$200 Anniversary Lifestyle CreditMaintain the account and meet the requirements for the annual lifestyle credit.
Visa Airport Companion membership with 6 complimentary lounge visitsEnroll in the Visa Airport Companion Program and use the included annual lounge passes.
Available to new BMO eclipse Visa Infinite Privilege 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 dining purchases including restaurants, bars, takeout, and food delivery
5 BMO Rewards points per $1 spent on eligible gas purchases
5 BMO Rewards points per $1 spent on eligible drugstore purchases
5 BMO Rewards points per $1 spent on eligible travel purchases
1 BMO Rewards point per $1 spent on all other eligible purchases
Earn 25% more BMO Rewards points on all purchases when an authorized user is added to the account
Redeem BMO Rewards points for travel, Pay with Points purchases, merchandise, gift cards, investments, and statement credits
Built-in perks & coverage
Annual Lifestyle Credit
Receive a $200 anniversary lifestyle credit each year that can be used toward eligible purchases.
Visa Airport Companion Program
Complimentary membership plus 6 airport lounge visits annually through the Visa Airport Companion Program.
NEXUS Statement Credit
Receive up to $200 in NEXUS statement credits as part of the card's premium travel benefits.
Priority Airport Benefits
Access Priority Security Lane services and discounts on airport parking and valet services at participating Canadian airports.
Visa Infinite Luxury Hotel Collection
Enjoy premium hotel benefits including perks such as complimentary breakfast, room upgrades when available, and other luxury travel privileges.
Visa Infinite Privilege Concierge
Access a dedicated concierge service for travel planning, dining reservations, entertainment, and lifestyle assistance.
Visa Infinite Dining and Wine Benefits
Access exclusive culinary experiences through the Visa Infinite Dining Series and Visa Infinite Wine Country programs.
Troon Rewards Golf Benefits
Receive golf privileges and discounts at participating Troon golf courses, resorts, and select private clubs.
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Emergency Medical Insurance
Comprehensive out-of-province and out-of-country emergency medical coverage for eligible cardholders.
Trip Cancellation and Trip Interruption Insurance
Coverage for eligible prepaid travel expenses when trips are cancelled, interrupted, or delayed due to covered reasons.
Flight Delay and Baggage Insurance
Protection against eligible flight delays, delayed baggage, lost baggage, and related travel inconveniences.
Mobile Device Insurance
Coverage for eligible mobile devices purchased with the card against accidental damage, loss, or theft.
Extended Warranty Insurance
Doubles the original manufacturer's warranty 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.
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 25% more BMO Rewards points on all purchases when an authorized user is added to the account.
The verdict
What we like
Generous rewards earning rates
Annual lifestyle credit
Bonus points with authorized users
Comprehensive insurance coverage
Complimentary airport lounge access
Premium Visa Infinite Privilege travel benefits
Worth noting
High annual fee
High income requirements
Low point redemption value
Foreign transaction fees apply
No complimentary lounge guest access
Rewards program is less flexible than transferable points programs
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