BMO credit cards at the Visa Infinite tier require $60,000 personal income or $100,000 household income. World Elite Mastercard cards require $80,000 personal or $150,000 household. No-fee and entry-level cards have no income requirement.
BMO Credit Card Income Requirements
| Card | Annual Fee | Personal Income | Household Income |
|---|---|---|---|
| BMO eclipse Visa Infinite Privilege | $499 | $150,000 | $150,000 |
| BMO eclipse Visa Infinite | $120 | $60,000 | $100,000 |
| BMO CashBack World Elite Mastercard | $120 | $80,000 | $150,000 |
| BMO Blue Rewards World Elite Mastercard | $150 | $80,000 | $150,000 |
| BMO Rewards World Elite Mastercard | $150 | $80,000 | $150,000 |
| BMO eclipse Rise Visa | $0 (first year) | None | None |
| BMO CashBack Mastercard | $0 | None | None |
| BMO Blue Rewards Mastercard | $0 | None | None |
| BMO Preferred Rate Mastercard | $20 | None | None |
| BMO Student CashBack Mastercard | $0 | None | None |
Note: World Elite Mastercard products require $80K personal / $150K household — higher than Visa Infinite at $60K / $100K. This is a Mastercard network requirement.
Visa Infinite vs. World Elite: Different Income Bars
The BMO eclipse Visa Infinite ($120) requires only $60,000 personal income, while the BMO CashBack World Elite ($120) requires $80,000 personal — despite the same annual fee. This is because World Elite Mastercards must meet Mastercard’s network-level income threshold. If you’re between $60K–$79K, the eclipse Visa Infinite is the stronger option.
Options If You Don’t Meet Income Requirements
| Situation | Recommended Card |
|---|---|
| Want cash back, under $80K income | BMO CashBack Mastercard ($0) — 3% grocery |
| Want BMO Rewards, $60K income | BMO eclipse Visa Infinite |
| Student / building credit | BMO Student CashBack Mastercard ($0) |
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Income thresholds current as of June 2026. Verify at bmo.com. See our Advertiser Disclosure.