Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Welcome Bonus: 70,000 points
- +Up to 5x on Restaurants
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With our welcome offer, you can get up to 70,000 BMO Rewards points.
Here’s how to earn the welcome offer points:
- 30,000 welcome points when you spend $4,000 in the first 110 days*
- 20,000 bonus points when you spend $7,000 in the first 180 days*
- 20,000 bonus points when you spend $12,000 in the first 12 months*
Plus, enjoy a monthly statement credit for streaming services, a $50 annual lifestyle credit, and no annual fee for the first year.
With the BMO eclipse Visa Infinite* Card, you also get:
- 5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
- 1 BMO Rewards point for every dollar spent on all other purchases*
- 10% more points when you add an authorized user to your account*
- Mobile device insurance offering coverage up to $1,000*
- The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
- Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Rewards
All Spending
1x
BMO Rewards pts per dollar
Restaurants
5x
Gas
5x
Groceries
5x
Transit
5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
92,400
BMO Rewards/yr
Estimated Value
$619
After Fees
+$619
1st Year Value
$1,088
incl. welcome bonus
Annual rewards breakdown
- Earn 70,000 BMO Rewards
- $50 annual credit (year 2)
Travel Insurance
Travel Medical
Up to $5,000,000 / 21 days
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Annual Statement Credit
$50/year
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Welcome offer: Get up to $1,150 in value, including up to 70,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
- Get a monthly streaming credit.*
- Get a $50 annual lifestyle credit to spend however you want.*
- Earn 10% more points when you add an authorized user to your account*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
Legal
*Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.