{"id":121107,"date":"2026-02-02T00:00:00","date_gmt":"2026-02-02T05:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/comparison-bmo-eclipse-visa-infinite-mastercard-bmo-world-elite\/"},"modified":"2026-05-09T08:31:50","modified_gmt":"2026-05-09T08:31:50","slug":"bmo-eclipse-visa-infinite-bmo-ascend-world-elite-mastercard-comparison","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/bmo-eclipse-visa-infinite-bmo-ascend-world-elite-mastercard-comparison\/","title":{"rendered":"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard"},"content":{"rendered":"\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a> is now one of the few financial institutions in Canada to offer credit cards across multiple networks:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/mastercard\/\">Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/visa\/\">Visa<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Both the Visa and Mastercard credit cards featured in this comparison are part of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> program.<\/p>\n\n\n\n<p>Let\u2019s compare the features of the new <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> with those of the <a target=\"_blank\" class=\"thirstylink\" title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"\/go\/bmo-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658,22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Let&#8217;s look at the big differences between these credit cards in regards to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Insurance<\/a><\/li>\n\n\n\n<li><a href=\"#avantages\">Benefits<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are differences to be aware of between the two credit cards.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>By applying for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>, you can obtain <strong>up to 70,000 BMO Rewards points<\/strong> as well as the <strong>waiver of the $120 annual fee for the first year<\/strong> through <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/bmo-eclipse-visa-infinite-offer\/\">this welcome offer<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>30,000 points after $4,000 in purchases within the first 110 days of account opening<\/li>\n\n\n\n<li>20,000 points after $7,000 in purchases within the first 180 days of account opening<\/li>\n\n\n\n<li>20,000 points after $12,000 in purchases within the first 365 days of account opening<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>Through Milesopedia, you can obtain <strong>up to 100,000 BMO Rewards points<\/strong> as well as the <strong>first-year annual fee waiver of $150<\/strong> with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>.<\/p>\n\n\n\n<p>This offer is based on spending during the first year, allowing for the accumulation of a significant number of points redeemable for travel, with a high potential value from the first year thanks to the savings on annual fees.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"126480,193920\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>The <a target=\"_blank\" title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a> offers higher point potential but requires more spending. If your budget allows, it will be more advantageous for maximizing BMO points.<\/p>\n\n\n\n<p>Conversely, the majority of the welcome offer for the <a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a> is easier to obtain, with more accessible spending thresholds.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> requires a minimum income of:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$60,000 (individual)<\/li>\n\n\n\n<li>$100,000&nbsp;$ (combined)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> requires a minimum income of:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$80,000 (individual)<\/li>\n\n\n\n<li>$150,000 (combined)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-eclipse-visa-infinite\">Advantage: BMO Eclipse Visa Infinite<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> is more accessible than the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, which is now outclassed by the <a class=\"thirstylink\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-vip\/\">BMO eclipse Visa Infinite Privilege* Card<\/a> that requires an individual income of $150,000 or a household income of $200,000.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> has an annual fee of $120 (but the annual fee is waived for the first year).<\/p>\n\n\n\n<p>However, this card <strong>offers a $50 annual credit<\/strong>, effectively reducing the cost to just $70 per year!<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> has an annual fee of $150 (but the annual fee is waived for the first year, and there is a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee).<\/p>\n\n\n\n<p>In addition, it comes with <strong>4 airport lounge passes<\/strong>, which can help offset the annual fee.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-eclipse-visa-infinite\">Advantage: BMO Eclipse Visa Infinite<\/h5>\n\n\n\n<p>Both cards have their annual fee waived for the first year.<\/p>\n\n\n\n<p>However, after the first year, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> has a lower annual fee and includes a credit that you can use any way you want, whether for travel, everyday purchases, and more.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> both offer multiple points earning rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maximum-earning-level\">Maximum Earning Level<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>With the new <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>, you can earn <strong>5 BMO Rewards points per dollar<\/strong> spent on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>restaurants, bars<\/li>\n\n\n\n<li>Food delivery<\/li>\n\n\n\n<li>Gas<\/li>\n\n\n\n<li>local transport<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, you can earn 5 BMO Rewards points per dollar spent on travel purchases.<\/p>\n\n\n\n<p>And you get <strong>3 points for every dollar you spend on: <\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Dining<\/li>\n\n\n\n<li>Entertainment<\/li>\n\n\n\n<li>Recurring Bill payments<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-eclipse-visa-infinite\">Advantage: BMO Eclipse Visa Infinite<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> is ideal for everyday purchases, <strong>earning 5 points per dollar<\/strong> on common spending categories like groceries, gas, and local transit.<\/p>\n\n\n\n<p>For its part, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> will be particularly interesting if you make a lot of travel purchases: <strong>5 points per dollar<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-basic-earning-level\">Basic Earning Level<\/h3>\n\n\n\n<p>Outside of these accelerated earning categories, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> both offer a base earn rate.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>With the new <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>, you can earn <strong>1 point per dollar<\/strong> on all other purchases.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a>, you can earn <strong>1 point per dollar <\/strong>on all other purchases.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>Both cards offer 1 point per dollar for non-category purchases. The one advantage of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> is that it is accepted at Costco, unlike the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>These are both <strong>travel rewards<\/strong> credit cards that are part of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/bmo-rewards\/\">BMO Rewards program<\/a>.<\/p>\n\n\n\n<p>You can use your points through the BMO Rewards portal.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Use<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>10,000 points<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Value of 1 point<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Travel<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$67<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.67\u00a2<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Investment<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>$67<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.67\u00a2<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Experiences<\/td><td class=\"has-text-align-center\" data-align=\"center\">$62<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.62\u00a2<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Goods<\/td><td class=\"has-text-align-center\" data-align=\"center\">$60<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.60\u00a2<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Gift cards<\/td><td class=\"has-text-align-center\" data-align=\"center\">$54<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.54\u00a2<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Statement credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">$33.30<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.33\u00a2<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>No matter which BMO credit card you choose, the best way to use your BMO Rewards points is to <strong>book travel<\/strong> such as flights, hotel stays, or car rentals through the BMO Rewards portal. <strong>40,000 points = $268<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> offers a few insurance benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Worldwide Emergency Medical Insurance: up to $5,000,000 for the first 15 days of each trip (if you are 64 years old or younger).<\/li>\n\n\n\n<li>Insurance on board a common carrier: $500,000 per person<\/li>\n\n\n\n<li>Vehicle Rental Insurance: up to 48 days<\/li>\n\n\n\n<li>Purchase insurance: 90 days (loss, damage, theft)<\/li>\n\n\n\n<li>Extended Warranty Insurance: 1 year<\/li>\n\n\n\n<li>Mobile device insurance: $1,000<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> offers a range of insurance options:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Worldwide Emergency Medical Travel Insurance: $5,000,000 and 21 days (under 64 years old)<\/li>\n\n\n\n<li>Flight Delay Insurance: $500 per person<\/li>\n\n\n\n<li>Baggage Delay or Loss Insurance: $500 per person<\/li>\n\n\n\n<li>Trip Cancellation Insurance: $1,500 per person<\/li>\n\n\n\n<li>Trip Interruption Insurance: $2,000 per person<\/li>\n\n\n\n<li>Insurance on board a common carrier: $500,000 per person<\/li>\n\n\n\n<li>Vehicle Rental Insurance: up to 48 days<\/li>\n\n\n\n<li>Accidental Death or Dismemberment Insurance for Rental Vehicle: up to $500,000<\/li>\n\n\n\n<li>Personal effects insurance when renting a vehicle: up to $2,000<\/li>\n\n\n\n<li>Purchase insurance: 90 days (loss, damage, theft)<\/li>\n\n\n\n<li>Extended Warranty Insurance: 1 year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-ascend-world-elite-mastercard\">Advantage: BMO Ascend World Elite Mastercard<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> is one of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/insurance\/\">best credit cards<\/a> in Canada for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">travel insurance with points<\/a>. Indeed, for most of the proposed insurances, it is enough to have paid only a part of your trip with the card. Even just the airport taxes on an Aeroplan award ticket, for example!<\/p>\n\n\n\n<p>In comparison, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> does not offer many travel-related insurance benefits, except for medical insurance or rental car insurance.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits\">The Benefits<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/bmo-eclipse-visa-infinite-card-exclusive-offer-en.png\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - bmo eclipse visa infinite card exclusive offer en\" class=\"wp-image-160751\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> offers various benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>an <strong>annual credit of $50<\/strong> (per calendar year) for any purchase<\/li>\n\n\n\n<li>earn 10% more points when you add an authorized user to your account<\/li>\n\n\n\n<li>access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/visa-infinite-luxury-hotels-collection\/\">Visa Infinite Luxury Hotels Collection<\/a><\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/bmo-ascend-world-elite-mastercard.webp\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend world elite mastercard\" class=\"wp-image-478853\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-bmo-ascend-world-elite-mastercard-national-bank\/\" target=\"_blank\" rel=\"noopener\">BMO Ascend World Elite Mastercard<\/a> offers a range of benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>4 free airport VIP lounge passes<\/li>\n\n\n\n<li><b>Wi-Fi Boingo access<\/b><\/li>\n\n\n\n<li>accepted at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Costco<\/a><\/li>\n\n\n\n<li>six months of Instacart membership and a $10 monthly Instacart+ credit when you sign up with your eligible BMO credit card<\/li>\n\n\n\n<li><strong>Mastercard Travel Pass program<\/strong><\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>On one hand, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> comes with a $50 annual lifestyle credit that you can use however you like.<\/p>\n\n\n\n<p>On the other hand, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> offers 4 airport lounge passes, which have a higher value than $50, but are more restrictive: if you don\u2019t use them, they have no value for you.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which card wins this duel?<\/p>\n\n\n\n<p>It&#8217;s hard to give a definite winner. In fact, it will be up to each person to make up their own mind according to their needs.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a> stands out for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>the 5 points per dollar earning for regular purchases<\/strong><\/li>\n\n\n\n<li>the annual credit of $50<\/li>\n<\/ul><\/div>\n\n\n\n<p>It will be more of a credit card for people who regularly earn points for everyday expenses and do not require robust travel insurance. The points can easily be used for hotel nights or car rentals, for example!<\/p>\n\n\n\n<p>You can also consult our review to discover <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/reasons-to-get-bmo-eclipse\/\" target=\"_blank\" rel=\"noopener\">7 reasons to obtain the BMO eclipse Visa Infinite* Card.<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2133\" height=\"1200\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture.jpg\" alt=\"Head-to-Head: BMO eclipse Visa Infinite vs BMO Ascend World Elite Mastercard - featured location voiture\" class=\"wp-image-62219\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture.jpg 2133w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture-450x253.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture-1024x576.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture-200x113.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/04\/featured-location-voiture-768x432.jpg 768w\" sizes=\"(max-width: 2133px) 100vw, 2133px\" \/><\/figure>\n\n\n\n<p>Against it, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<sup>&reg;<\/sup>*<\/a> stands out for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>5 points per dollar for travel and 3 points for everyday purchase categories<\/li>\n\n\n\n<li>the 4 complimentary annual airport lounge passes<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">great insurances<\/a><\/li>\n\n\n\n<li>the fact it&#8217;s accepted at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Costco<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>This credit card is perfect for people who <strong>travel regularly<\/strong> and require extensive insurance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"840\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en.jpg\" alt=\"Head-to-Head: BMO Ascend World Elite Mastercard vs. National Bank World Elite Mastercard - bmo ascend featured offer\" class=\"wp-image-207486\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en.jpg 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en-450x236.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en-1024x538.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en-200x105.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/05\/bmo-ascend-featured-offer-en-768x403.jpg 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>These are 2 cards that we recommend in many of our rankings:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/insurance\/\">Best Credit Cards With Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">The Best Credit cards For Costco<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/mastercard\/\">The Best Mastercard Credit Cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/visa\/\">The Best Visa Credit cards<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658,22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"193920,126480,486397\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-bmo-eclipse-vs-ascend\">Frequently Asked Questions about the BMO eclipse Visa Infinite* Card vs the BMO Ascend World Elite Mastercard&reg;*<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_headline_difference_between_the_bmo_eclipse_visa_infinite_and_the_bmo_ascend_world_elite_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the headline difference between the BMO eclipse Visa Infinite and the BMO Ascend World Elite Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <strong>BMO eclipse Visa Infinite* Card<\/strong> is built for everyday spending: <strong>5 BMO Rewards points per dollar<\/strong> on groceries, dining, gas and transit, plus a <strong>$50 annual lifestyle credit<\/strong> that brings the effective fee down to <strong>$70<\/strong>. The <strong>BMO Ascend World Elite Mastercard&reg;*<\/strong> is more travel-oriented: <strong>5 points\/$1<\/strong> on travel, <strong>3 points\/$1<\/strong> on dining, entertainment and recurring bills, plus <strong>4 complimentary airport lounge passes<\/strong> per year through Mastercard Travel Pass.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_welcome_bonus_is_bigger_between_the_two_bmo_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich welcome bonus is bigger between the two BMO cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <strong>BMO Ascend World Elite Mastercard&reg;*<\/strong> wins on the welcome side: up to <strong>100,000 BMO Rewards points<\/strong> plus a first-year annual-fee waiver of <strong>$150<\/strong>. The <strong>BMO eclipse Visa Infinite* Card<\/strong> offers up to <strong>70,000 BMO Rewards points<\/strong> with the first-year <strong>$120<\/strong> fee waived. Both bonuses translate to roughly <strong>$155 to $220 in flexible travel value<\/strong> when redeemed through the BMO Rewards travel portal at the standard 142.86-points-per-dollar conversion.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_income_do_i_need_to_qualify_for_each_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat income do I need to qualify for each card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <strong>BMO eclipse Visa Infinite* Card<\/strong> requires a minimum personal income of <strong>$60,000<\/strong> or household income of <strong>$100,000<\/strong>, the standard Visa Infinite threshold. The <strong>BMO Ascend World Elite Mastercard&reg;*<\/strong> sits one tier higher: <strong>$80,000 personal<\/strong> or <strong>$150,000 household<\/strong>, which mirrors most Canadian World Elite Mastercards. If you barely meet the eclipse threshold, that is usually the safer application to submit first.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_bmo_card_is_better_at_costco_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich BMO card is better at Costco Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <strong>BMO Ascend World Elite Mastercard&reg;*<\/strong> is the obvious pick at Costco Canada: it runs on the Mastercard network, so it is accepted at the warehouse, and it still earns <strong>1 point per dollar<\/strong> there as part of regular purchases. The <strong>BMO eclipse Visa Infinite* Card<\/strong>, despite its stronger everyday categories, is not accepted at Costco warehouses &mdash; you would have to buy Costco Shop Cards through Costco.ca to capture any rewards on that spending.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s a comparison of two great credit cards: the BMO eclipse Visa Infinite* Card vs. the BMO Ascend World Elite Mastercard\u00ae*.<\/p>","protected":false},"author":3,"featured_media":349083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-121107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-bmo-en","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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