BMO eclipse Visa Infinite Privilege Card
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Is this card right for you?
BMO's premium metal card: 5x points on travel, dining, gas, groceries, and drugstores, plus lounge access, a $200 annual lifestyle credit, and strong travel insurance — for high-income frequent travellers.
High-income frequent travellers who'll use lounges, the $200 credit, and premium insurance.
Points travellers who transfer to Aeroplan/Avios for premium cabins.
You can't clear the $150k income bar or won't use the travel perks.
You want top point value
BMO Rewards (~0.67¢) are below Amex MR / Aeroplan.
Watch-outs $599 fee, no first-year waiver — the credits + lounges must be used to justify it. · Welcome-bonus upper tiers need $75k spend; realistic value is the first tier. · Points worth ~0.67¢.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.