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Mr. Loonie
BMO® Eclipse Visa Infinite Privilege* Card

BMO® Eclipse Visa Infinite Privilege* Card

7.6
Good
Expert Score · 6 reviews How we score

Best for: High earners who want strong points on everyday spending and no foreign transaction fee

Your spending a month
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
Year one
$909
Every year after
$373

Ranked #35 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$536
Part of a $1,340 offer. Up to 200,000 BMO Rewards points.
Annual fee
$599 a year
Apply now on BMO’s site (opens in a new tab)
Needs $150,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

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? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $1,500 or more a month on groceries, gas and travel?

Is your personal income $150,000 or more, or your household’s $200,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 5 points per $1 on groceries, gas, travel and restaurants At our value for these points, that’s about 3.4% back.
  • Good: 0% on moved balances for 12 months A 5% fee to move them.
  • Good: Welcome offer up to 200,000 BMO Rewards points About $1,340 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: $599 a year You need about $1,500 a month on groceries, gas and travel to earn it back.
  • Watch for: 23.99% after the 12 months Whatever you haven’t paid off by then is charged the regular rate.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

BMO Rewards points valued at 0.67¢ each.

  • Groceries $322
    5 points per $1 · 3.4% back $800 a month · 48,000 BMO Rewards points a year
  • Restaurants $101
    5 points per $1 · 3.4% back $250 a month · 15,000 BMO Rewards points a year
  • Gas $101
    5 points per $1 · 3.4% back $250 a month · 15,000 BMO Rewards points a year
  • Recurring bills $20
    1 point per $1 · 0.7% back $250 a month · 3,000 BMO Rewards points a year
  • Travel $60
    5 points per $1 · 3.4% back $150 a month · 9,000 BMO Rewards points a year
  • Everything else $52
    1 point per $1 · 0.7% back $650 a month · 7,800 BMO Rewards points a year
  • Foreign currency $12
    1 point per $1 · 0.7% back $150 a month · 1,800 BMO Rewards points a year
For you Year one Later years
Points you earn99,600 BMO Rewards points a year, at 0.67¢ each $667 $667
Welcome offer80,000 BMO Rewards points you’d reach $536 $0
Annual fee −$599 −$599
Foreign currency feeNo fee on $1,800 a year $0 $0
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $909 $373

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
Groceries
5 points per $1 Up to $20,000 in spending per year.
Gas
5 points per $1 Up to $15,000 in spending per year.
Travel
5 points per $1 Up to $25,000 in spending per year. Flights, hotels and car rentals
Restaurants
5 points per $1 Up to $25,000 in spending per year.
Pharmacy
5 points per $1 Up to $15,000 in spending per year. Health and wellness
Everything else (base rate)
1 point per $1
  • Earn 25% 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

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    80,000 BMO Rewards points · about $536

    Spend $10,000 in your first 4 months.

    You’d reach it in month 4.

    • On purchases within the first 110 days
    • Plus 40000 points when you spend at least $30000 in the first 6 months
    • Receive an additional 80000 points when you spend at least $75000 in the first year
  2. 2

    40,000 BMO Rewards points · about $268

    Spend $20,000 in your first 6 months.

    You’d spend $15,000 by then, $5,000 short.

  3. 3

    80,000 BMO Rewards points · about $536

    Spend $40,000 in your first 12 months.

    You’d spend $30,000 by then, $10,000 short.

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

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 $150,000 or more Issuer says
  • Household income $200,000 or more Issuer says
  • 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.

What critics say

Other reviewers on this card

7.6
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “Offering a strong earning rate on five popular spending categories, coupled with an annual easy-to-use lifestyle credit, complimentary airport lounge access, and good insurance coverages, this is an interesting card to consider if you prefer the BMO Rewards ecosystem and want to step up your credit card game.”

  • Rewards Canada (opens in a new tab) May 2023

    “It was great to see BMO expand their portfolio by adding in Visa branded cards several years ago however for the most part they missed the mark with this card. They had the opportunity to really make a dent in their competition with these cards but have failed to do so. Don't get us wrong there are a couple of features that BMO offer on this card that are exciting - the annual lifestyle credit and the bonus points for having supplementary cards. However those new features don't make up for a base earn rate that doesn't even provide a 1% return. Overall this card fits a small niche market of people who spend a lot on travel and don't want to be tied into a specific program so they can redeem those points for any sort of travel.”

  • 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 Privilege 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.”

  • Money We Have (opens in a new tab) Aug 2022

    “My BMO eclipse Visa Infinite Privilege* card Review is positive. The value you get in the first year makes the card an obvious choice to sign up for. Since the ongoing benefits are worth more than the annual fee, hanging onto this card for the long run may very well be worth it.”

  • MoneyGenius (opens in a new tab) Jan 2022
    6.4

    “The BMO eclipse Visa Infinite Privilege garnered 3.2 stars when put through our rating algorithm. It gained lots of points for having a good rewards earn rate, a very generous welcome bonus, a rewards bonus if you add an authorized user, a rich annual lifestyle credit, valuable travel insurance, and loads of other perks and benefits besides. This is a premium flexible rewards credit card, and it shows. On the other hand, you do pay for it. The annual fee is exceptionally high and isn’t waived for the first year you have the card. Additional cards are also expensive, and will increase your annual fee even further.”

  • Young and Thrifty (opens in a new tab) Jan 2021
    9

    “The BMO eclipse Visa Infinite Privilege* Card offers first-class perks and ample opportunities to collect and earn rewards. New cardholders can receive up to 90,000 BMO Rewards points*. The card also comes with some serious frills, such as airport lounge access*, exclusive access to entertainment, dining, and luxury experiences, airport VIP treatment, a $200 annual lifestyle credit to spend however you want*, and more. Travel, car rental, and new mobile device insurance are also included*. Overall, the BMO eclipse Visa Infinite Privilege Card rolls out the red carpet for its cardholders, but on the downside, it comes at a steep price of $499 annually and has a high minimum income eligibility requirement of $150,000.”

What cardholders say

Ratings from people with this card

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Mobile device $1,000 per device
  • Lounges: Dragonpass 10 free visits
  • Get a $200 annual lifestyle credit
  • Priority Pass membership and 6 airport lounge visits per year
  • Priority Security Lane, airport parking and valet service discounts at select Canadian airports
  • Access to the Visa Infinite Luxury Hotel Collection and benefits
  • Access to Visa Infinite Dining Series61 and Visa Infinite Wine Country
  • Access to Visa Infinite Troon Golf Benefit and discount
  • Trip Cancellation/Trip Interruption Insurance
  • Flight Delay and Baggage Insurance
  • Mobile wallets Apple Pay, Google Pay
Coverage limits

Travel medical. Up to 22 days per trip.

Not included

Not listed for this card: trip cancellation, trip interruption, flight delay and lost baggage.

Fees and interest

What it costs

Annual fee
$599 a year
Purchase interest
21.99%
Cash advance interest
23.99%
Foreign currency fee
None
All fees and rates

Fees

Extra cards
$99
Cash advance fee
1%, Minimum of $5
Balance transfer fee
5%, Maximum ; 2% transfer fee during introductory period
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
23.99%
Intro rate: balance transfers
0% for 12 months
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

Before you decide

Similar cards for the same spending

With typical spending. This card: $909 year one, $373 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the BMO® Eclipse Visa Infinite Privilege* Card?

$599 a year. Each extra card costs $99.

How much is the BMO® Eclipse Visa Infinite Privilege* Card welcome offer worth?

Up to 200,000 BMO Rewards points, about $1,340. You get it in 3 steps: 80,000 BMO Rewards points after you spend $10,000 in the first 4 months; 40,000 BMO Rewards points after you spend $20,000 in the first 6 months; 80,000 BMO Rewards points after you spend $40,000 in the first 12 months.

What income do I need?

BMO asks for $150,000 in personal income.

Does it charge a foreign transaction fee?

No. Purchases in other currencies have no extra fee.

What is the interest rate?

21.99% on purchases. Cash advances are 23.99%.

Does it have a balance transfer offer?

Yes, 0% for 12 months. The transfer fee is 5%, Maximum ; 2% transfer fee during introductory period. After that, the rate is 23.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation/trip interruption insurance and flight delay and baggage 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.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$909
year one for you
Apply now on BMO’s site (opens in a new tab)
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