BMO eclipse Visa Infinite vs. MBNA Rewards World Elite Mastercard

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

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Selected cards

BMO eclipse Visa Infinite

BMO

BMO Rewards

Annual Fee: $120.00
First Year Bonus Value: $333.33
Net Annual Rewards: $337.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $790.93

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source

MBNA Rewards World Elite Mastercard

MBNA

MBNA Rewards

Annual Fee: $120.00
First Year Bonus Value: $166.67
Net Annual Rewards: $496.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $606.67

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

BMO eclipse Visa Infinite$120.00 annual fee

MBNA Rewards World Elite Mastercard$120.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
Regular annual fee	$120	$120
Rewards programValues differ	BMO Rewards	MBNA Rewards
Purchase APR	21.99%	21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
First-year valueValues differ	$790.93	$606.67
Net annual rewardsValues differ	$337.6	$496
Your inputValues differ	—	Needs your input
First-year bonus valueValues differ	$333.33	$166.67

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

MBNA Rewards World Elite Mastercard

Annual estimate assumptions for MBNA Rewards World Elite Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Recurring points award

10% verified totalpoints earned in12months preceding primarybirthdaymonth, includingallissuer-awardedpoints; mustnotinfer fromestimatedspend. Accountopen/goodstanding ataward. Cap15000 eachyear;postedbyendbirthdaymonth.

I satisfy the published account and recurring-award eligibility conditions for this reward cycleActual total points earned in the 12 months preceding the birthday monthUse the issuer's actual account total, including all eligible points described by its terms. Current purchase spending cannot establish this preceding-period total. The estimate combines the entered award with one full spending cycle; it is not a forecast of birthday timing.Official recurring-award terms

Verified 2026-10-10. Year 1 timing remains separately reviewed.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Verified eligible restaurant · CAD/monthPosted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Parent: $200/month; remaining: $200/month.Verified eligible grocery · CAD/monthPosted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Parent: $500/month; remaining: $500/month.Verified eligible digital_media · CAD/monthPosted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Parent: $100/month; remaining: $100/month.Verified eligible membership · CAD/monthPosted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Parent: $330/month; remaining: $330/month.Verified eligible utilities · CAD/monthPosted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Parent: $200/month; remaining: $200/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
How you earnValues differ	5 points per $1 on eligible groceries, dining, gas, transit and rideshare 1 point per $1 on other purchases	5 points per $1 on eligible restaurants, groceries, digital media, memberships and household utilities 1 point per $1 elsewhere
Base / other eligible purchases	1 points per dollar	1 points per dollar
Reward conditions	View reward conditions 5 points per $1 on eligible groceries, dining, gas, transit and rideshare; 1 point per $1 on other purchases. Bonus earning is subject to spending limits. Quebec cash advance APR is 21.99%. An alternative declared annual-spend eligibility route is available. Complete card reward details	View reward conditions 5 points per $1 on eligible restaurants, groceries, digital media, memberships and household utilities; 1 point per $1 elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Each accelerated category has a $50,000 annual spending cap; then 1 point per $1. Posted qualifying net Mastercard purchases; restaurant5812/5814,grocery5411/5462/5499,digital5968/5815/5816,membership7997/8699,householdutilities4814/4899/4900. Independent category caps resetJan1; fallback1. Accountopen/goodstanding; excludeadvances/transfers/cashlike/cheques,interest/fees,adjustments/refunds. Birthdayaward10% actual preceding12monthpointstotal requiresverified issuerledger input, not10%currentprojectedspending; maximum15000. Optionalinsurance and partnerpoints excluded. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
Regular annual fee	$120	$120
Supplementary-card fee	—	$50
Purchase APR	21.99%	21.99%
Cash advance APRValues differ	23.99%	22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
Personal annual income	$60,000	—
Household annual income	$100,000	—

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
Insurance	Not listed — check the issuer	Emergency medical insurance21 days, up to $2,000,000 Purchase assurance$60,000 Extended warrantyUp to eligible purchase price
Other benefits	$50 annual lifestyle creditIncluded	—

Sources

Sources for the selected cards, in selected order.
Fact	BMO eclipse Visa Infinite	MBNA Rewards World Elite Mastercard
Last verifiedValues differ	Last verified: October 1, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.