Best for: People who spend a lot on dining, groceries, gas and transit in Canada
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #45 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $201
- The full offer. Up to 30,000 BMO Rewards points.
- Annual fee
- $0 first year
- Then $120 a year
Have this card?
Details from BMO’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
Is it for me?
Do you spend $300 or more a month on restaurants, groceries and gas?
Is your personal income $60,000 or more, or your household’s $100,000 or more?
Do you pay your card off in full most months?
Answer the 3 questions to see if it fits.
The good and the bad
Stands out
- Good: 5 points per $1 on restaurants, groceries, gas and transit At our value for these points, that’s about 3.4% back.
- Good: No fee in the first year Then $120 a year.
- Good: Welcome offer up to 30,000 BMO Rewards points About $201 at our value for these points.
Watch for
- Watch for: Everything else earns 1 point per $1 That’s about 0.7% back, which is low.
- Watch for: $120 a year from year two You need about $300 a month on restaurants, groceries and gas to earn it back.
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
BMO Rewards points valued at 0.67¢ each.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Restaurants
- 5 points per $1 Up to $6,000 in spending per year. In Canada
- Groceries
- 5 points per $1 Up to $6,000 in spending per year. In Canada
- Gas
- 5 points per $1 Up to $20,000 in spending per year. In Canada
- Transit
- 5 points per $1 Up to $20,000 in spending per year. In Canada
- Everything else (base rate)
- 1 point per $1
- 5 points per $1 spent on ride sharing, public transit, and more
- 5x rewards category applies to first $50000 in annual purchase at merchants qualifying for the accelerated earn rate
- Earn 10% more points on all purchases when you add an authorized user to your account
How BMO Rewards points work, and why 0.67¢
We count BMO Rewards points at 0.67¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.33¢ to 0.67¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
30,000 BMO Rewards points · about $201
Spend $4,000 in your first 6 months.
You’d reach it in month 2.
- On purchases within the first 110 days
- Plus 20,000 points when you spend at least $7,000 in the first 6 months
- Receive an additional 20,000 points when you spend at least $12,000 in the first year
- $20 monthly streaming subscription credits in your first year
- $50 Anniversary Lifestyle Credit
Offer end date not published.
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Personal income $60,000 or more Issuer says
- Household income $100,000 or more Issuer says
- Newcomer program BMO NewStart For permanent residents and foreign workers who arrived in the last 5 years. No Canadian credit history needed, with a limit up to $5,000, or a secured card if you are not approved. Apply in a branch.
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Checked on Nov 8, 2026. Source
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
Frugal Flyer (opens in a new tab) Oct 2026
“The BMO eclipse Visa Infinite Card is a solid everyday card. It turns groceries, gas, and bus fare into a steady 3.33% towards your next trip. On the other hand, it isn’t a pure “travel” card, so you’re best not to use this card as your one-size-fits-all solution.”
-
Money.ca (opens in a new tab) Aug 20239
“The BMO eclipse Visa Infinite* Card is a solid option for those who want to accumulate rewards points on their everyday purchases and have flexibility with how they use them. The welcome bonus, which includes an annual fee waiver, is tempting and makes this a risk-free proposition. The up to 60,000* bonus points* alone are worth up to approximately $400, and the annual “lifestyle credit” adds another $50 to your pocket*.”
-
Wealth Rocket (opens in a new tab) Jan 20239.6
“The BMO eclipse Visa Infinite card is a strong choice for anyone who wants to collect reward points, particularly points for groceries, dining in and transit and a simple, easy to understand points redemption. It will also appeal to families and others who can benefit from adding additional users and increasing the earn rate. The welcome bonus of up to 40,000 points and the annual fee waiver in the first year are great hooks, but the ongoing yearly fee should be considered against these benefits. While the travel insurance options could be much more robust and should include trip cancellation, the $50 lifestyle credit is a great added perk. Who doesn’t like free money?”
-
Yore Oyster (opens in a new tab) Dec 2022
“With a generous welcome bonus of up to 60,000 reward points and an introductory annual fee waiver for the first year, the BMO Eclipse Visa Infinite Card is one of Canada's best cards for accumulating reward points. The card offers excellent insurance coverage and access to the benefits of the Visa Infinite card. The best way to optimize the card is to attain the minimum spend limit to qualify for the welcome bonus reward points.”
-
Offerhub.ca (opens in a new tab) Mar 20228.5
“Foodies, travelers, long haul drivers, and millennials will all receive particular benefits from this BMO card. Due to the high earn rate on every kind of food purchase –groceries, dining in at restaurants, and ordering food—everyone who frequently enjoys both expensive meals at home and the convenience of dining elsewhere will earn points rather quickly. A $50 annual lifestyle credit and exclusive access to hotels, entertainment opportunities, and dining experiences make this card a great fit for frequent travelers as well.”
-
Money We Have (opens in a new tab) Jan 2022
“My BMO eclipse Visa Infinite Card* review is positive. The fact that you get close to $400 in value for free in the first year is reason enough to sign up. Hanging onto the card for much longer is likely worth it since it comes with a good earn rate and a yearly lifestyle credit.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Get a $50 annual lifestyle credit
- Access to the Visa Infinite Luxury Hotel Collection and benefits
- Access to Visa Infinite Dining Series
- Access to Visa Infinite Troon Golf Benefit and discount
- Mobile Device Insurance
- Mobile wallets Apple Pay, Google Pay
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read BMO’s insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.
What it costs
- Annual fee
- $0 first year Then $120 a year
- Purchase interest
- 20.99%
- Cash advance interest
- 23.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- $50
- Fee waivers
- First year: $120 off (Waived on the first year)
- Cash advance fee
- 1%, Minimum of $5
- Balance transfer fee
- 5%, Maximum
- Over-limit fee
- $29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 23.99%
- Source
- Issuer page
Province differences
- Quebec
- Balance transfer rate: 21.99%. Cash advance rate: 21.99%.
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $784 year one, $463 every year after.
-
American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
Year one $1,825Every year after $1,055 -
RBC Ion+ Visa
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National Bank World Elite Mastercard
Year one $1,099Every year after $904
See all cards ranked for your spending
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Questions people ask
What is the annual fee on the BMO® Eclipse Visa Infinite* Card?
$0 the first year, then $120 a year. Each extra card costs $50.
How much is the BMO® Eclipse Visa Infinite* Card welcome offer worth?
30,000 BMO Rewards points after you spend $4,000 in the first 6 months, worth about $201.
What income do I need?
BMO asks for $60,000 in personal income.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
20.99% on purchases. Cash advances are 23.99%.
Does it include insurance?
It lists extended warranty, purchase protection and mobile device insurance. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
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Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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