Earn rates

Spending category Earn rate Value per $100 spent
Groceries 5 pts / $1 ~$0.33
Dining in and out (restaurants, food delivery) 5 pts / $1 ~$0.33
Gas 5 pts / $1 ~$0.33
Drugstore 5 pts / $1 ~$0.33
Travel 5 pts / $1 ~$0.33
Everything else 1 pt / $1 ~$0.07

BMO Rewards points are worth a fixed 0.67¢ each (150 pts = $1) on travel purchases. Accelerated earn applies up to an annual spend cap per category — verify current limits with BMO. See how the Privilege compares to the base eclipse on earn and fees.

Benefits

Benefit Details
$200 annual lifestyle credit Anniversary statement credit. Apply to any purchase — not restricted to travel.
Airport lounge access Six complimentary lounge visits per year via the Visa Airport Companion Program (DragonPass). Access to 1,300+ lounges worldwide. Additional visits available at a per-visit rate.
NEXUS statement credit Statement credit toward a NEXUS membership application. NEXUS speeds up Canada–US border crossings at eligible land, air, and marine ports.
25% bonus earn with authorized user Adding a supplementary cardholder unlocks a 25% bonus on points earned by both the primary and authorized user.
Welcome bonus Up to 200,000 BMO Rewards points plus six complimentary lounge passes and additional statement credits. Bonus earned in tiers; verify current thresholds and offer details with BMO before applying.
Travel insurance Comprehensive coverage including out-of-province/country emergency medical, trip cancellation and interruption, flight delay, lost and delayed baggage, and rental car collision/damage. Verify current limits in the certificate of insurance.
Visa Infinite Privilege benefits Visa Infinite Privilege Concierge, hotel and dining collection access, and exclusive Visa Infinite Privilege events and experiences.
Mobile device insurance Coverage for mobile devices purchased on the card against theft, loss, or damage.

What your monthly spend earns

Monthly spend $2,500
Category Monthly spend Rate Monthly pts
Groceries, dining, gas, drugstore & travel $1,500 5x 7,500
All other spending $1,000 1x 1,000
Total $2,500 8,500 pts / mo

102,000 pts / year (~$680 in travel). After the $599 fee and $200 lifestyle credit, net value ~$281. The lifestyle credit, lounge passes, and NEXUS credit close much of the gap for frequent travellers. See when the fee pays off →

Good fit if

  • You spend heavily enough in the 5x categories that the earn gap over the base eclipse, combined with the extra $150 in lifestyle credit and six lounge passes, justifies the $479 fee difference.
  • You travel frequently and use airport lounges. Six complimentary passes per year at major international airports is a meaningful benefit for anyone who travels more than a few times annually.
  • You meet the $150,000 personal income threshold and want a premium card with concierge and Visa Infinite Privilege event access.

Less useful if

  • Your monthly spend doesn’t consistently saturate the 5x categories. The base eclipse earns identically on those categories for $479 less per year — the breakeven requires meaningful volume.
  • You don’t use airport lounges. Six lounge passes add real value only if you actually travel through airports that have them.
  • You don’t meet the $150,000 personal or $200,000 household income requirement for this card.
eclipse Visa Infinite overview → eclipse vs. eclipse Privilege → BMO Ascend World Elite → BMO Rewards program →