The American Express Cobalt Card and the BMO eclipse Visa Infinite Card present distinctive advantages and rewards. This comparative overview showcases their attributes, charges, and benefits, aiding you in selecting the card aligning with your financial objectives.
Choosing between the prestigious Cobalt Card and the travel-centric BMO eclipse Visa Infinite Card can profoundly influence your expenditure patterns and enhance the efficiency of your rewards utilization
 On website |  |
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| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | A credit card that lets you earn 5X points on groceries, takeout, food delivery, rideshare, gas, and transit. |
| Basics | |
| Additional Cardholders | |
| 9 | 9 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 60000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $3,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible purchases within the first 3 months |
| Rewards | |
| Rewards Program | |
| American Express Rewards | BMO Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee Percentage | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 23.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $120.00 |
| Foreign Exchange Fee | |
| $2.50 | N/A |
| Foreign Exchange Fee Percentage | |
| N/A | 2.5% |
| Late Payment Fee | |
| $38.00 | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
