The BMO Eclipse Visa Infinite Card is a premium credit card offered by the Bank of Montreal (BMO) in Canada. Designed for individuals who value travel rewards and lifestyle benefits, the card provides a range of features and perks to enhance the cardholder’s experience. In this detailed description, we will delve into the various aspects of the BMO Eclipse Visa Infinite Card, including its rewards program, travel benefits, insurance coverage, fees, and more.
Rewards Program: The BMO Eclipse Visa Infinite Card offers a comprehensive rewards program that allows cardholders to earn points on every purchase they make. With this card, users earn 5 points for every $1 spent on groceries, dining, and gas purchases, and 1 point for every $1 spent on all other eligible purchases. The points earned with this card are referred to as BMO Rewards points.
One of the key advantages of the BMO Eclipse Visa Infinite Card’s rewards program is its flexibility. Cardholders can redeem their BMO Rewards points for a wide range of options, including travel, merchandise, gift cards, statement credits, and more. This flexibility enables users to tailor their redemption choices to their preferences and needs.
Travel Benefits: As a premium travel credit card, the BMO Eclipse Visa Infinite Card offers an array of travel benefits to enhance the cardholder’s travel experience. These benefits include:
BMO Travel Protection: Cardholders are automatically covered by a comprehensive travel insurance package, which includes travel medical insurance, trip cancellation/interruption insurance, and travel accident insurance. This coverage can provide peace of mind when traveling both domestically and internationally.
Airport Lounge Access: Cardholders receive complimentary membership to the LoungeKey program, which grants access to over 1,000 airport lounges worldwide. This allows users to relax and enjoy a comfortable environment before their flights.
BMO World Elite Total Travel and Medical Protection: This benefit provides coverage for emergency medical expenses while traveling, including medical evacuation and trip interruption. Cardholders and their eligible family members can travel with confidence knowing they have coverage in case of unexpected events.
Trip Enhancement Credits: The BMO Eclipse Visa Infinite Card also provides annual trip enhancement credits that can be used towards eligible travel purchases. This benefit allows cardholders to save on expenses such as baggage fees, seat upgrades, in-flight food and beverages, and more.
Insurance Coverage: In addition to travel insurance, the BMO Eclipse Visa Infinite Card offers several other insurance coverages to protect the cardholder’s purchases and provide peace of mind. These coverages include:
Purchase Protection and Extended Warranty: Eligible purchases made with the card are protected against theft, loss, or damage for a specified period after the purchase date. The card also extends the manufacturer’s warranty on eligible items for up to one additional year.
Mobile Device Insurance: Cardholders can receive coverage for the repair or replacement of their mobile devices in the event of theft, loss, or damage, provided the device was purchased with the BMO Eclipse Visa Infinite Card.
Car Rental Insurance: When the card is used to pay for a car rental, it provides coverage for damage or theft of the rental vehicle. This coverage can save cardholders from having to purchase additional insurance from the rental company.
Additional Features: The BMO Eclipse Visa Infinite Card offers additional features that enhance the overall cardholder experience, including:
LoungeKey Airport Experiences App: This app provides convenient access to lounge locations, benefits, and the ability to track your lounge visits. It simplifies the process of finding and accessing lounges around the world.
World Elite Concierge Service: Cardholders have access to a dedicated concierge service that can assist with a range of requests, such as travel bookings, restaurant recommendations, event ticket reservations, and more.
Fees and Eligibility: The BMO Eclipse Visa Infinite Card has an annual fee associated with it. However, the card may offer substantial value and benefits that can offset the fee for those who frequently utilize the rewards program and travel benefits.
To be eligible for the BMO Eclipse Visa Infinite Card, applicants must meet certain criteria set by BMO, including minimum income requirements and creditworthiness. The specific eligibility criteria can be obtained directly from BMO or through their website.
Conclusion: The BMO Eclipse Visa Infinite Card is a premium credit card that caters to individuals who value travel rewards and lifestyle benefits. With its flexible rewards program, comprehensive travel benefits, extensive insurance coverage, and additional features, the card provides a range of advantages to enhance the cardholder’s experience. While it’s important to consider the annual fee and eligibility requirements, the BMO Eclipse Visa Infinite Card can be a valuable tool for those seeking to maximize their travel rewards and enjoy a host of exclusive benefits.