The main difference between the BMO Air Miles Mastercard and the BMO Eclipse Visa Infinite Card lies in their rewards structure and premium features. Both cards offer distinct perks, but there are some striking differences that cater to different spending preferences and lifestyle needs.
When it comes to rewards, the BMO Air Miles Mastercard focuses on accumulating Air Miles, making it an ideal choice for those who love to travel. With every eligible purchase, you'll earn Air Miles that can be redeemed for flights, hotel stays, and other travel-related expenses. On the other hand, the BMO Eclipse Visa Infinite Card takes a broader approach, offering flexible points that can be used for travel, merchandise, or even cash back. This versatility appeals to individuals who value options and want to maximize their rewards in various ways.
Fees vary between the two cards. While the BMO Air Miles Mastercard offers no annual fee, the BMO Eclipse Visa Infinite Card comes with a higher fee, but it also offers additional benefits and premium services, such as enhanced travel insurance coverage and access to airport lounges. Consider your spending habits and travel frequency to determine which fee structure aligns better with your financial goals.
In terms of introductory offers and bonuses, both cards often provide enticing promotions to attract new cardholders. These can include bonus reward points, waived annual fees for the first year, or even special cashback incentives. Keep an eye out for these limited-time offers to make the most of your card choice.
A standout feature of the BMO Eclipse Visa Infinite Card is its focus on exclusive experiences. Cardholders can access special events, culinary adventures, and entertainment privileges, adding a touch of luxury to everyday life. On the other hand, the BMO Air Miles Mastercard offers a more targeted approach for frequent flyers, with bonus Air Miles on specific spending categories.
In summary, the BMO Air Miles Mastercard and the BMO Eclipse Visa Infinite Card cater to different preferences and priorities. If you're a travel enthusiast, the Air Miles Mastercard's emphasis on travel rewards might suit you. Alternatively, if you value flexibility, premium perks, and diverse redemption options, the Eclipse Visa Infinite Card could be your go-to choice. Always consider your spending habits, lifestyle, and rewards preferences to make an informed decision that aligns with your financial aspirations.
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|---|---|
| Description | |
| Use your Cash Miles towards everyday shopping, like gas and groceries, at participating partners. All of these with no annual fee. | 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 | |
| Mastercard | Visa |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 800 points | 60000 points |
| Signup Bonus Points Required Spend | |
| $1,000.00 | $3,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases in the first 3 months | eligible purchases within the first 3 months |
| Rewards | |
| Rewards Program | |
| BMO Rewards | BMO Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| No | No |
| Concierge Service Included | |
| No | Yes |
| Cardholder's International Travel Insurance | |
| No | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| 0.99% | N/A |
| Balance Transfer Period | |
| 9 months | N/A |
| Balance Transfer Fee Percentage | |
| 2% | N/A |
| Balance Transfer Limit Percentage | |
| 80% | N/A |
| Balance Transfer Revert Rate | |
| 22.99% | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 22.99% p.a. | 23.99% p.a. |
| Purchase Rate Ongoing | |
| 20.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $0.00 | $120.00 |
| Foreign Exchange Fee Percentage | |
| 2.5% | 2.5% |
| Late Payment Fee | |
| N/A | 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 | |
| $15,000.00 | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
