Earn rates
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| Groceries | 5 pts / $1 | ~$3.33 |
| Dining in and out (restaurants, food delivery) | 5 pts / $1 | ~$3.33 |
| Gas | 5 pts / $1 | ~$3.33 |
| Drugstore | 5 pts / $1 | ~$3.33 |
| Travel | 5 pts / $1 | ~$3.33 |
| Everything else | 1 pt / $1 | ~$0.67 |
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 | 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. |
Travel insurance on the BMO eclipse Visa Infinite Privilege
Top 10 of 59 for coverage
Highest trip cancellation, $2,500
The BMO eclipse Visa Infinite Privilege scores 94 of 100 on the figures its certificate publishes, 7th of the 59 Canadian cards compared. Emergency medical is capped at $5,000,000 for trips up to 22 days. At 65 the longest covered trip falls from 22 days to 3.
| Emergency medical | $5,000,000 · age 0–64: 22 days; age 65+: 3 days · 90-day stability window |
|---|---|
| Trip cancellation | $2,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | after 4 hours · $1,000 per trip |
| Baggage delay | $500 per person · after 4 hours |
| Rental car collision or damage | Pays after your own insurance · rentals to 48 days · vehicles to $85,000 |
You have 30 days from the incident to report a claim. Dependent children are covered to age 20.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $5,000,000 (per insured person, per trip) age 0–64: 22 days; age 65+: 3 days pre existing stability days: 90 days (180 days for insured persons 65 years of age or older) |
|---|---|
| Trip cancellation | per person: $2,500 (per insured person, per trip) per account: $5,000 (per trip for all insured persons combined) covered reasons: Trip Cancellation benefits are payable when you cancel your trip prior to your scheduled departure date as a result of a covered reason listed below. (operative clause only; the enumerated covered reasons that follow are grouped under Health, Pregnancy, Work, Travel documents, Legal, Transportation, Environmental and Other) |
| Trip interruption | per person: $5,000 (per insured person, per trip) per account: $25,000 (per trip for all insured persons combined) |
| Flight or trip delay | trigger hours: 4 hours (arrival or departure of a regularly scheduled flight on a commercial airline) per trip cap: $1,000 (per trip for all insured persons combined) |
| Baggage delay | per person: $500 (capped at $1,000 per trip for all insured persons combined; outbound travel only) trigger hours: 4 hours (checked baggage delayed by the common carrier) |
| Lost, stolen or damaged baggage | per person: $1,000 (capped at $2,500 per trip for all insured persons combined) per item sublimit: $500 |
| Travel accident | limit: $500,000 (per insured person; $250,000 for loss of one hand, one foot or the sight of one eye) common carrier only: Yes (accidental bodily injury sustained as a passenger on, or entering or exiting, a licensed common carrier) covers 24h: No (coverage attaches to common carrier travel, not to accidents at any hour) |
| Hotel or motel burglary | $2,500 (per burglary occurrence for all insured persons combined) |
| Emergency travel assistance | offered: Yes (Operations Centre maintained by Allianz Global Assistance; pre-trip, medical and non-medical services) |
| Rental car collision or damage | is primary: No (certificate states the coverage is secondary to any other insurance plan or source of reimbursement) limit basis: the lesser of, the cost of the repair (including loss-of-use) or the replacement cost of your rental car which has been damaged or stolen (clause truncated at 40 words; the benefit is then reduced by any amount or portion of the loss assumed, waived or paid by the car rental agency, its insurer, or a third-party insurer) vehicle value cap: $85,000 (Manufacturer's Suggested Retail Price in the vehicle's model year) max rental days: 48 days (total consecutive rental period) excluded classes: vans (except as defined below), trucks (including pick-ups) or any vehicle that can be spontaneously reconfigured into a pick-up truck, campers or trailers, vehicles towing or propelling trailers or any other object (list truncated at 40 words; the enumeration continues with off-road vehicles, motorcycles, mopeds or motorbikes, vehicles with MSRP over $85,000, antique vehicles, recreational vehicles, leased vehicles with buyback guarantee and limousines) |
| Purchase protection | days: 120 days (from the date of purchase) |
| Extended warranty | years added: 2 years (triples the original manufacturer's warranty up to this maximum extension) cap: $60,000 (lifetime maximum per account for Extended Warranty and Purchase Security combined) |
| Mobile device | limit: $1,000 (per occurrence; one claim in any 12 consecutive months and two claims in any 48 consecutive months per account) deductible: For a replacement claim, the deductible is equal to 10% of the depreciated value, at the date of loss, of the mobile device subject to a $25 minimum. (truncated at 40 words; for a repair claim the deductible is equal to 10% of the repair cost subject to a $25 minimum) requires full charge: No (either the full purchase price is charged to the card, or the purchase is financed and all monthly wireless bill payments are charged to the card) eligible events: Mobile Device Insurance provides coverage in the event your mobile device is lost, stolen or accidentally damaged, anywhere in the world. |
Figures above are from the BMO eclipse Visa Infinite Privilege Card Certificates of Insurance, Group Policy FC320000-A, effective 2023-07-06, underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What your monthly spend earns
| 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.
If that describes you, apply for the BMO eclipse Visa Infinite Privilege. Not sure yet? Book a free conversation and we will walk through it together.
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.