The main difference between the BMO Air Miles Mastercard and the BMO Eclipse Visa Infinite Privilege Card lies in their rewards structure, fees, and standout benefits. While both offer unique perks, they showcase striking differences that cater to distinct preferences.
Rewards Structure: The BMO Air Miles Mastercard is tailored for avid travelers, offering Air Miles rewards with each purchase. On the other hand, the BMO Eclipse Visa Infinite Privilege Card focuses on flexible points that can be redeemed for travel, merchandise, or even statement credits.
Fees: When it comes to fees, the BMO Air Miles Mastercard may have a more budget-friendly $0 annual fee, making it an attractive option for those looking for rewards without breaking the bank. In contrast, the BMO Eclipse Visa Infinite Privilege Card comes with a higher annual fee, but its elevated benefits might justify the cost for frequent travelers seeking exclusive experiences.
Introductory Offers and Bonuses: While both cards may come with enticing introductory offers, the specific details may vary. The BMO Air Miles Mastercard could offer bonus Air Miles on initial spending, ideal for jumpstarting your rewards collection. Meanwhile, the BMO Eclipse Visa Infinite Privilege Card might showcase a generous welcome bonus, providing an initial boost to your points balance.
Standout Features and Benefits: The BMO Air Miles Mastercard shines with its focus on accumulating Air Miles quickly, perfect for jet-setters seeking to maximize their travel rewards. In contrast, the BMO Eclipse Visa Infinite Privilege Card stands out with its premium travel perks, which could include airport lounge access, travel insurance, and concierge services, making it an exceptional choice for those who value luxury and convenience.
In essence, the BMO Air Miles Mastercard and the BMO Eclipse Visa Infinite Privilege Card share common traits in their quest to reward your spending, but their distinct rewards structures, fees, and unique benefits cater to diverse preferences and lifestyles. Whether you're a frequent flyer or a connoisseur of luxury, there's a BMO credit card designed to match your individual 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 premium credit card that lets you earn 5x points on groceries, gas, travel, dining, and drugstore purchases. Plus enjoy exclusive Visa Infinite Privilege benefits, including complimentary airport lounge access and much more. |
| 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 | 90000 points |
| Signup Bonus Points Required Spend | |
| $1,000.00 | $6,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases in the first 3 months | eligible purchases within 3 months |
| Rewards | |
| Rewards Program | |
| BMO Rewards | BMO Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| No | Yes |
| 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 | $499.00 |
| 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 | $150,000.00 |
| Temporary Residents Accepted | |
| No | No |
