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BMO eclipse Visa Infinite* Card Welcome Bonus Terms & Conditions

1. BMO eclipse Visa Infinite* Card applications must be submitted through Borrowell between August 1, 2023 and September 30, 2023 (the “Offer Period”) to be eligible for this offer. Upon approval for the BMO eclipse Visa Infinite* Card,  40,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. The 40,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent calendar month during which at least $2,000 in net purchases are posted to your account by the last day of the applicable month. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.

2. BMO eclipse Visa Infinite* Card applications must be submitted through Borrowell between August 1, 2023 and September 30, 2023 (the “Offer Period” period) in order to be eligible for the $100 Uber Gift Card. Please note that it can take up to sixty (60) days for BMO to process and confirm the status of your application. Following this, it can take up to four (4) weeks for Borrowell to receive confirmation of your approval status. Upon receipt of confirmation of approval, the $100 Uber Gift Card will be distributed by Borrowell to the email address associated with the cardholder’s Borrowell account. Neither Borrowell nor BMO are responsible for email address inaccuracies provided by the applicant. Any issues with gift card fulfillment must be brought to the attention of Borrowell within three (3) months of the date of submitting the application for the BMO eclipse Visa Infinite* card. This offer is available to new BMO eclipse Visa Infinite* cardholders only. Each participant in the offer is only eligible to receive one gift card for the duration of the Offer Period. The $100 Uber Gift card may be redeemed towards purchases made in both the Uber and UberEats apps. The $100 Uber Gift Card may not be redeemed towards the cost of an UberOne membership. The gift card is non-transferrable and there is no cash alternative. This offer is available while supplies last, and may be withdrawn or changed without notice.

By using this gift card, you accept the following terms and conditions: This card is redeemable via the Uber® and Uber Eats app within Canada. The card is non-reloadable and, except where required by law, cannot be redeemed for cash, refunded, transferred, or returned. You may be required to add a secondary payment method to use this gift card with the Uber or Uber Eats app. This card is not redeemable outside Canada. Issuer is not responsible for lost or stolen cards, or unauthorized use. This card is issued by Uber Portier Canada Inc. For balance, full terms and conditions and customer service, visit uber.com/legal/gift-cards/en-ca. 

All other trademarks are property of their respective owners.

3. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as gas, grocery, transit, and dining. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.

4. The earn rate for purchases at merchants not classified as gas, grocery, transit, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.

5. Customers will be eligible to receive a $50 statement credit each year (annual period starts on January 1st of every year). The primary cardholder’s account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. Only primary cardholders are eligible for the statement credit. This offer is subject to change.

6. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.

7. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions. Visit your branch; call the Customer Contact Centre at 1-833-256-7137, or visit bmo.com/creditcards for current rates and fees.

®BMO is a registered trademark of Bank of Montreal. *Trademark of Visa International Service Association and used under license.