Terms & Conditions

1. BMO eclipse Visa Infinite applications must be received between January 6, 2022 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. 30,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 30,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent 30 day period three (3) months after your account open date during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. This offer is not available to current or former BMO eclipse Visa Infinite cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
2. BMO eclipse Visa Infinite Privilege applications must be received between March 6, 2024 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. 50,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $6,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the applicable qualifying spend threshold being met. Receive an additional 30,000 BMO Rewards points (6) months after the Credit Card account open date after you spend a minimum of $30,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first six (6) months after the account open date. The 30,000 BMO Rewards points will be applied to your BMO Rewards Collector Account within forty (40) business days following the applicable qualifying criteria being met. Receive an additional 40,000 BMO Rewards points twelve (12) months after the Credit Card account open date when you spend a minimum of $75,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months after the account open date, as long your account is in good standing at the time you qualify for the additional points. This offer is not available to current or former BMO eclipse Visa Infinite Privilege cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
3. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite* Card call 1-833-256-7136, for the BMO eclipse Visa Infinite Privilege* Card call 1-833-256-7137 or visit bmo.com/rates-fees for current rates and fees.
4. Primary Cardholders will be eligible to receive a $50 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $50 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $50 credit in that annual period. Any additional lifestyle credit of $50 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back.
5. Primary Cardholders will be eligible to receive a $200 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $200 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $200 credit in that annual period. Any additional lifestyle credit of $200 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back.
6. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made at merchant locations in Canada classified as gas, grocery, transit, and dining. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
7. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made at merchant locations in Canada classified as travel, grocery, dining, drugstore and gas. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “air fare”, “hotel”, “car rental”, “grocery”, “dining”, “drugstore” or “gas” category. The accelerated earn rate applies to the first $100,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the cardholder exceeds this threshold, the cardholder will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will not be posted to an Account that is not in good standing when the purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
8. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
9. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 25% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary customer and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; Primary account must be activated before authorized user is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; Account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
10. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
    
    CUMIS General Insurance Company
    P.O. Box 5065
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
11. BMO eclipse Visa Infinite Privilege Card cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Both primary and secondary cardholders must enroll for this benefit separately, either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Membership includes access to participating lounges within the Visa Airport Companion Program – approximate value calculated based on DragonPass Classic membership fee and cost of airport lounge visits. Upon enrollment, 6 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor BMO is responsible for any claims or damages arising from participation in the Program.
12. BMO eclipse Visa Infinite Privilege applications must be received between March 6, 2024 and May 31, 2024 (the “Offer Period”) to be eligible for this offer. 50,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $6,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the applicable qualifying spend threshold being met. Receive an additional 30,000 BMO Rewards points (6) months after the Credit Card account open date after you spend a minimum of $30,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first six (6) months after the account open date. The 30,000 BMO Rewards points will be applied to your BMO Rewards Collector Account within forty (40) business days following the applicable qualifying criteria being met. Receive an additional 40,000 BMO Rewards points twelve (12) months after the Credit Card account open date when you spend a minimum of $75,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months after the account open date, as long your account is in good standing at the time you qualify for the additional points. This offer is not available to current or former BMO eclipse Visa Infinite Privilege cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
13. Based on BMO Rewards travel redemption rate of 60,000 points = $400, $50 annual lifestyle credit, and $120 annual fee waiver in the first year.

• ^®BMO is a registered trademark of Bank of Montreal.
• ^*Trademark of Visa International Service Association and used under license.