{"id":470360,"date":"2026-04-01T12:45:00","date_gmt":"2026-04-01T16:45:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=470360"},"modified":"2026-05-09T08:31:06","modified_gmt":"2026-05-09T08:31:06","slug":"comparison-bmo-eclipse-visa-infinite-vs-national-bank-world-elite-mastercard","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-bmo-eclipse-visa-infinite-vs-national-bank-world-elite-mastercard\/","title":{"rendered":"Head-to-Head: BMO eclipse Visa Infinite Card vs National Bank World Elite Mastercard"},"content":{"rendered":"\n<p>BMO and National Bank each offer a credit card that allows you to earn 5 points per dollar on grocery and restaurant purchases:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/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=\"401432,105658\"\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>These are two basic cards that we often recommend when someone wants to earn points quickly and easily.<\/p>\n\n\n\n<p>So, we\u2019ll break down the key differences between these credit cards based on:<\/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<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p>Through Milesopedia, you can get up to 50,000 points with this <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/nbc-world-elite-mastercard-offer\/\">exclusive welcome offer<\/a> for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>10,000 reward points<\/strong> upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> when you make $5,000 in net purchases within the first 3 months.<\/li>\n\n\n\n<li><strong>20,000 points<\/strong> when you reach $20,000 in purchases within the first 12 months.<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> when you combine your credit card with the opening of your first current account within 7 days of your credit card application.<\/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\/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 earn <strong>up to 80,000 BMO Rewards points<\/strong>, along with a <strong>first-year annual fee rebate of $120<\/strong> through this <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/bmo-eclipse-visa-infinite-offer\/\">exclusive welcome offer<\/a>.<\/p>\n\n\n\n<p>This offer can represent <strong>up to $1,200 in value<\/strong>, driven by the points earned, the $50 annual credit, and the monthly credit for streaming services.<\/p>\n\n\n\n<p>In addition, this card stands out for its strong earning potential on everyday spending, with up to 5 BMO Rewards points per dollar spent in categories such as groceries, dining, gas, and local transit.<\/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=\"324829,126480\"\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-advantage-bmo-eclipse-visa-infinite-card\">Advantage&nbsp;: BMO eclipse Visa Infinite Card<\/h5>\n\n\n\n<p><strong data-start=\"1071\" data-end=\"1154\">With this exclusive offer, the <a target=\"_blank\" href=\"\/go\/bmo-eclipse-visa-infinite\/\">BMO eclipse Visa Infinite Card<\/a> stands out<\/strong>, particularly with a welcome bonus of up to 80,000 points and accelerated earn rates on everyday spending categories.<\/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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> requires:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>minimum individual income of $80,000;<\/li>\n\n\n\n<li>or $150,000 minimum family income;<\/li>\n\n\n\n<li>or assets under management of $400,000 or more.<\/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\/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 target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a> requires:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>a minimum individual income of $60,000<\/li>\n\n\n\n<li>or $100,000 minimum family income<\/li>\n\n\n\n<li>or annual spending of at least $15,000 charged to the card.<\/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-card\">Advantage: BMO eclipse Visa Infinite* Card<\/h5>\n\n\n\n<p>It\u2019s easier to qualify for the BMO eclipse Visa Infinite Card, both in terms of income requirements and the minimum spend of $15,000 (an average of $1,250 per month) needed on the card.<\/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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> has an annual fee of $150.<\/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\/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 target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a> has an annual fee of $120.<\/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-national-bank-world-elite-mastercard\">Advantage: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>Yes, the annual fees for the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> are higher than its competitor.<\/p>\n\n\n\n<p>However, the National Bank World Elite Mastercard has a unique advantage: it offers an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">annual travel fee rebate of up to $150<\/a>! By using this $150 rebate to its full potential, your credit card costs you $0 every year.<\/p>\n\n\n\n<p>However, the <a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a> should not be completely overlooked in this case. It offers a $50 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/credit-lifestyle-bmo\/\" target=\"_blank\" rel=\"noopener\">annual lifestyle credit<\/a> that you can use however you like. This may be more suitable for people who don&#8217;t travel much or at all. This card would therefore cost a small $70 per year ($120 &#8211; $50).<\/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='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=\"170863,201706\"\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<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The BMO eclipse Visa Infinite* Card and the National Bank World Elite Mastercard each offer fairly similar point earning rates.<\/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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard <\/a>you can also earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points<\/strong><\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Grocery and Restaurant<\/td><td class=\"has-text-align-center\" data-align=\"center\">5*<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gasoline, Electric recharge, Recurring bill, \u00c0 la carte Travel<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Other purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>*For the Grocery and Restaurant category, you can earn <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/nbc-world-elite-mastercard-5x-points-abroad\/\">5 points per dollar spent<\/a> on the first $2,500 in monthly purchases (across all categories) charged to the card. Starting at $2,501, points are accumulated at a rate of 2 points per dollar for the 5 X points category.<\/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\/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 <a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a>, you can earn <strong>up to 5 points per dollar<\/strong>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Grocery, Meal Delivery, Restaurant, Gas, and Public Transit<\/td><td class=\"has-text-align-center\" data-align=\"center\">5*<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">On everything else\n1<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">+ 10% more points if you add an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-add-supplementary-credit-card\/\" target=\"_blank\" rel=\"noopener\">additional cardholder<\/a> to your primary card<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>* This card offers 5 BMO points per dollar spent in the five bonus categories: dining, food delivery, groceries, gas, and public transit. However, this advantageous rate only applies up to certain annual caps ($6,000 for dining, $6,000 for groceries, $20,000 for gas and transit), after which you earn 1 point per dollar.<\/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-national-bank-world-elite-mastercard\">Advantage&nbsp;: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>If groceries represent a significant portion of your household budget, these two credit cards offer an excellent earning rate of 5 points per dollar in this spending category.<\/p>\n\n\n\n<p>However, the BMO eclipse Visa Infinite Card has a drawback: after $6,001 in annual grocery purchases, the earn rate drops sharply to just 1 point per dollar. So, if you spend $115 or more per week on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/milesopedia-team-expert-grocery-tips\/\" target=\"_blank\" rel=\"noopener\">groceries<\/a>, you will quickly reach this cap and lose the card&#8217;s main benefit for the rest of the year.<\/p>\n\n\n\n<p>Whereas the National Bank World Elite Mastercard is more generous with a monthly cap of $2,500. This higher limit lets you take full advantage of the elevated earn rate of 5 points per dollar, without worrying about hitting the cap as quickly as with the competing card.<\/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>Both cards are part of different loyalty programs:<\/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\/reward-program\/nbc-a-la-carte-rewards\/\" target=\"_blank\" rel=\"noopener\">National Bank \u00c0 la carte Rewards Points<\/a> from the \u00c0 la carte Rewards Plan for the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/bmo-rewards\/\" target=\"_blank\" rel=\"noopener\">BMO Rewards points<\/a> 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><\/li>\n<\/ul><\/div>\n\n\n\n<p>The ways to use your points are similar, but you\u2019ll notice differences in the value of each program\u2019s points.<\/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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p>With National Bank World Elite Mastercard, you cannot transfer your points to other programs. According to our estimate, one NBC reward point is worth 0.90 cents.<\/p>\n\n\n\n<p>Here are a few ways to use your Reward Points:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rewards<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points for $100<\/strong><\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Exchange on the NBC \u00e0 la carte Rewards portal<\/td><td class=\"has-text-align-center\" data-align=\"center\">10,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Flexible travel discount\n(from 55,000 points redeemed)<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">11,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Self-Booked travel purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">12,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">RRSP or TFSA Contribution \nRepayment of Home Equity Line of Credit or Mortgage Loan<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">12,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gift card<\/td><td class=\"has-text-align-center\" data-align=\"center\">12,000 &#8211; 13,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Statement credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">25,000<\/td><\/tr><\/tbody><\/table><\/figure><\/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\/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>BMO Rewards points cannot be transferred to other reward programs<i>.<\/i><\/p>\n\n\n\n<p>According to our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\" target=\"_blank\" rel=\"noopener\">estimate<\/a>, one BMO reward point is worth 0.67 cents. There are several options for using BMO Rewards points:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rewards<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points for $100<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Self-Booked travel purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">15,000<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Account Credit<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,000<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Physical and Electronic Gift Card (varies)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Between 17,000 and 21,000+<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">RRSP, RESP, or Savings Account Contribution<\/td><td class=\"has-text-align-center\" data-align=\"center\">15,000<\/td><\/tr><\/tbody><\/table><\/figure><\/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-national-bank-world-elite-mastercard\">Advantage: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>Thanks to the great flexibility of the <a target=\"_blank\" title=\"National Bank World Mastercard\" href=\"\/go\/world-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>, points can be used in several ways and require fewer points for redemptions, since they have a higher value.<\/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='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=\"194706,333787\"\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<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/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\/2023\/12\/national-bank-world-elite-mastercard.png\" alt=\"Comparison: MBNA World Elite Rewards Mastercard vs. National Bank World Elite Mastercard - National Bank World Elite Mastercard\" class=\"wp-image-331913\"\/><\/figure>\n<\/div>\n\n\n<p><strong>Each calendar year<\/strong>, the National Bank World Elite Mastercard cardholder has a $150 travel credit to reimburse certain travel expenses:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Airport parking<\/li>\n\n\n\n<li>Baggage fees<\/li>\n\n\n\n<li>Seat selection<\/li>\n\n\n\n<li>Access to airport lounges<\/li>\n\n\n\n<li>Airline ticket upgrades<\/li>\n<\/ul><\/div>\n\n\n\n<p>It also offers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Free and <strong>unlimited<\/strong> access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> at Montr\u00e9al-Trudeau International Airport for the primary cardholder, one guest, and up to two children<\/li>\n\n\n\n<li>A subscription to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">DragonPass program<\/a>, which gives you access to over 1,300 airport lounges worldwide (USD 32 per person).<\/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\/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 <a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a>, you can also enjoy the benefits of Visa Infinite cardholders:<\/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\/guide\/tutorials\/credit-lifestyle-bmo\/\" target=\"_blank\" rel=\"noopener\">Annual lifestyle credit of $50<\/a><\/li>\n\n\n\n<li>10% more points with the addition of an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-add-supplementary-credit-card\/\" target=\"_blank\" rel=\"noopener\">additional cardholder<\/a> (instead of earning 5 points on groceries, you earn 5.5 points!)<\/li>\n\n\n\n<li>Six months of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/bmo-instacart-partnership-savings\/\" target=\"_blank\" rel=\"noopener\">free Instacart membership<\/a> and a monthly Instacart credit of $10<\/li>\n\n\n\n<li>Multiple benefits from the Visa Infinite Luxury Hotel Collection when travelling<\/li>\n\n\n\n<li>Access to the Visa Infinite Dining Series and Visa Infinite Troon Golf benefits<\/li>\n\n\n\n<li>Visa Infinite Concierge<\/li>\n\n\n\n<li>Get up to $1150 in value.<\/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-national-bank-world-elite-mastercard\">Advantage: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>With its wide range of travel benefits, the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> is unbeatable in this respect.<\/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=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" class=\"aligncenter wp-image-331912 \" title=\"National Bank World Elite Mastercard exclusive offer\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/12\/carte-world-elite-mastercard-banque-nationale.png\" alt=\"National Bank World Elite Mastercard\" width=\"200\" height=\"126\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/12\/carte-world-elite-mastercard-banque-nationale.png 600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/12\/carte-world-elite-mastercard-banque-nationale-450x284.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/12\/carte-world-elite-mastercard-banque-nationale-200x126.png 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" class=\"alignnone wp-image-160750\" title=\"bmo eclipse visa infinite card exclusive offer en\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr-450x295.png\" alt=\"bmo eclipse visa infinite card exclusive offer en\" width=\"248\" height=\"162\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr-450x295.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr-1024x672.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr-200x131.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr-768x504.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/carte-bmo-eclipse-visa-infinite-offre-exclusive-fr.png 1600w\" sizes=\"(max-width: 248px) 100vw, 248px\" \/><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Trip Cancellation Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to<strong> $2,500<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 24px;\">\nTrip Interruption Insurance \n<td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-right\" data-align=\"right\">Up to $5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 48px;\"><td class=\"has-text-align-right\" data-align=\"right\">Emergency Medical Insurance Outside Your Province or Country<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $5,000,000 for up to 60 days<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $5,000,000 for 15 days<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Flight Delay Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $500 \nAfter 4 hours<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Baggage Delay Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $500 \nAfter 6 hours<\/td><br><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Lost or Stolen Baggage Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $1,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Hotel burglary insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Rental car theft and damage insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">up to $65,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Travel Accident Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">$500,000<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Purchase Protection<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2 additional years<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-right\" data-align=\"right\">Purchase Protection<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $1,000<\/td><strong>180 days <\/strong><br><td class=\"has-text-align-center\" data-align=\"center\">Up to $1,000 <br>90 days<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">Mobile Device Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $1,000<\/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-advantage-national-bank-world-elite-mastercard\">Advantage: National Bank World Elite Mastercard<\/h5>\n\n\n\n<p>The National Bank World Elite Mastercard offers more generous additional coverage than the BMO eclipse Visa Infinite* Card. Furthermore, it only requires charging <strong>a portion<\/strong> of travel purchases to the card to benefit from most of the insurance coverage.<\/p>\n\n\n\n<p>The BMO eclipse Visa Infinite* Card stands out for its mobile device insurance coverage.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>So? Which card is the winner?<\/p>\n\n\n\n<p>In our opinion, for everyday life and its routine expenses, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/reasons-to-get-bmo-eclipse\/\" target=\"_blank\" rel=\"noopener\">it&#8217;s the BMO eclipse Visa Infinite* Card<\/a>. Whereas if you love to travel and insurance is paramount for you, the National Bank World Elite Mastercard is the best.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">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>It\u2019s easier to qualify for this card;<\/li>\n\n\n\n<li>The 10% bonus points with the addition of an additional cardholder;<\/li>\n\n\n\n<li>Its annual $50 lifestyle credit.<\/li>\n<\/ul><\/div>\n\n\n\n<p>While the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> stands out thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Annual reimbursement of up to $150 on eligible travel expenses;<\/li>\n\n\n\n<li>Its wide range of robust travel insurance, which is among the best credit cards in Canada;<\/li>\n\n\n\n<li>The opportunity to invest your points in an RRSP, TFSA or to pay off your mortgage;<\/li>\n\n\n\n<li>It offers unlimited access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> before your flight at Montr\u00e9al-Trudeau International Airport.<\/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=\"401432,105658\"\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=\"170863,201706,486397\"\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-nbc-world-elite\">Frequently Asked Questions about the head-to-head between the BMO eclipse Visa Infinite and National Bank World Elite Mastercard<\/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=\"which_card_has_lower_income_requirements_for_approval_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has lower income requirements for approval?\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 BMO eclipse Visa Infinite is far more accessible. BMO requires either $60,000 personal income or $15,000 in annual card spending, while National Bank requires $80,000 personal income or $400,000 in assets under management. For young professionals or households still climbing the income ladder, BMO is the realistic option. Note this comparison is between the standard Visa Infinite tier of BMO eclipse, not the higher Visa Infinite Privilege variant which jumps to a $150,000 income hurdle.<\/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=\"are_the_5x_category_caps_the_same_on_both_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre the 5x category caps the same on both 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>No, and this is one of the most important differences. BMO caps the 5x category at $6,000 in annual eligible spending, after which earning drops to 1 point per dollar. National Bank&#8217;s cap is $2,500 in monthly grocery and restaurant spending, which works out to up to $30,000 yearly before the rate drops to 2 points per dollar (still better than BMO&#8217;s drop to 1 point). For households spending $500+ monthly on groceries and dining, NBC delivers significantly more points throughout the year.<\/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=\"are_national_bank_la_carte_points_more_valuable_than_bmo_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre National Bank \u00c0 la carte points more valuable than BMO Rewards?\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>Yes. Milesopedia values \u00c0 la carte points around 0.9 cent each, while BMO Rewards points are typically valued at 0.67 cent each (100 points = $0.67 in travel through the BMO portal). On identical category spending, National Bank delivers roughly 35% more dollar value per point earned. BMO Rewards do offer some flexibility through the merchandise catalog and statement credits, but those redemption options come at lower per-point values, widening the gap further.<\/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_card_is_better_for_travelers_based_on_lounge_access_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for travelers based on lounge access?\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 National Bank World Elite Mastercard wins on lounge benefits with unlimited free access to the National Bank Lounge at YUL (Montreal) for the primary cardholder plus a guest, plus DragonPass membership for international airports. The BMO eclipse Visa Infinite includes the standard Visa Infinite Concierge but no included lounge passes; lounge access requires upgrading to the Privilege tier ($499 annual fee). For Montreal-based travelers especially, NBC delivers far more travel value at a lower effective cost.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of the BMO eclipse Visa Infinite* Card and the National Bank World Elite Mastercard credit card.<\/p>","protected":false},"author":3,"featured_media":471734,"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":[702,700],"class_list":["post-470360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-mbna-en","mc_issuer-national-bank-of-canada","mc_loyalty_program-bmo-rewards","mc_loyalty_program-bnc-rewards","mc_market-all-of-canada","tutorial-comparisons","travel_type-budget-travel"],"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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