Visa credit cards
Explore a world of exclusive advantages and flexible rewards that await you with our range of secure BMO eclipse Visa credit cards.
Your BMO Rewards benefits
Earn extra points when you spend on groceries, dining, takeout, travel and gas.
Redeem points for flights, hotels, car rentals, cruises and vacation packages with any travel provider- Save for the future by redeeming points for a contribution to a BMO savings or investment account
- Pay with points. Let your points pick up the tab. Apply your points directly to things like gas, groceries, or your night out
More to explore with BMO eclipse Visa* benefits
Visa Infinite and Visa Infinite Privilege cardholders also get exclusive access to Visa Infinite collections, concierge service, travel discounts and more.
- Mobile Device InsuranceProvides up to $1,000 of protection against loss, theft or accidental damage of your smartphone, cellular phone or tablet, anywhere in the world if the device is purchased in full with your card or, if financed through a fixed term contract with a Canadian wireless service provider and all recurring wireless bill payments are charged to your card. footnote 97
- Extended Warranty Insurance Doubles the original manufacturer’s warranty period on items purchased up to a maximum of one yearFootnote dagger when you charge the full purchase price to your card. footnote 97
- Purchase Security Insurance Most covered items purchased in full with your card are automatically insured against theft or damage for the first 90 daysFootnote dagger from date of purchase. footnote 97
Footnote dagger details With the BMO eclipse Visa Infinite Privilege card, the Extended Warranty Insurance triples the original manufacturer’s warranty period on most items purchased up to a maximum of two years and the Purchase Security Insurance automatically insures most purchases for the first 120 days from date of purchase, when the full purchase price is charged to the card.
- Stay in control with alerts, our card lock/unlock feature and lost or stolen card reporting.
- Enjoy an additional layer of security on all online purchases with Visa Secure. It safeguards cardholders if there is any monetary loss resulting from fraudulent card use.
Frequently asked questions
This is a type of credit card that uses the Visa network to manage and process secure payments when you make a transaction with it. Visa is accepted in over 200 countries and territories, making it a reliable way to pay for what you need, almost anywhere in the world.
Visa Infinite cards give you access to exclusive Visa benefits, such as the Visa Infinite Luxury Hotel Collection at over 900 properties worldwide, exciting culinary experiences, and a complimentary concierge service 24 hours a day. Learn more about Visa Infinite benefits.
No. Currently, we only offer Visa credit cards.
Having a credit card is a great way to start building a healthy credit history, which is important if you want to make bigger purchases down the road such as a car or a home. Many also offer perks and benefits for using them, such as cash back or rewards points that can be redeemed for a variety of goods and services.
There are a few requirements you need to meet to apply for a Canadian credit card with us.
- Be a Canadian citizen or permanent resident
- Have not declared bankruptcy in the past seven years
- Have reached the age of majority in the province in which you live (18 years in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan. 19 years in all other provinces)
- Meet minimum income requirements if applicable
Yes, you can! For a BMO credit card, you’ll need to apply online and get approved first. Once you’re approved, we’ll mail out your new card to you.
When it comes to cash back credit cards, it’s simple – you earn cash for all your purchases to spend however you want. Cash back rewards can generally be redeemed either by cheque, a statement credit or direct deposit.
A points credit card, as the name suggests, allows you to earn and redeem points for things like travel, products and gift cards.
Once you receive your card in the mail, head over to bmo.com/activate and enter your number.
You can also call 1-877-225-5266 or visit a local branch.
If you notice suspicious activity on your account, you can email phishing@bmo.com, visit your local branch, or call us at 1-877-225-5266. You can also lock your credit card to prevent any further use through your Online Banking account.
Learn more about how to protect yourself against fraud.
