BMO eclipse Visa Infinite Card
Everyday spenders who want big multipliers on groceries, gas, transit, and dining with flexible points.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
One of the best everyday-earn Visa cards in Canada thanks to 5x categories and the lifestyle credit, though BMO Rewards points redeem at a lower value than competitor programs.
Reward rates
Groceries | 5x |
Gas | 5x |
Transit & rideshare Includes public transit, Uber and Lyft | 5x |
Dining, takeout & food delivery | 5x |
Everything else | 1x |
VaultNerd values these points at ~0.7¢ each.
Welcome bonus
Up to $1,150 in value: up to 70,000 BMO Rewards points, $20 monthly streaming subscription credits in your first year, a $50 anniversary lifestyle credit and no annual fee in year one
Pros
- Strong 5x earn on groceries, gas, transit, and dining
- Annual $50 lifestyle credit offsets nearly half the fee
- 10% points boost for adding an authorized user
Cons
- No trip cancellation or flight delay insurance
- BMO Rewards points have modest redemption value (~0.7 cents)
Perks
- $50 annual lifestyle statement credit
- 10% more points on everything when you add an authorized user
- Visa Infinite Concierge, Dining Series and Luxury Hotel Collection
- Six months of Instacart+ plus $10 monthly Instacart credit (enrollment required)
- Visa Infinite Troon Golf benefits
Insurance
- Out-of-province/country emergency medical up to $5 million (15 days)
- Common carrier insurance
- Car rental collision/loss damage insurance
- Mobile device insurance up to $1,000
- Extended warranty insurance
- Purchase security insurance (90 days)
Frequently asked questions
Is the BMO eclipse Visa Infinite Card worth it?
It charges a $120 annual fee, and we rate it 4.3 out of 5. It's best suited to everyday spenders who want big multipliers on groceries, gas, transit, and dining with flexible points. The welcome bonus is worth roughly $900, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the BMO eclipse Visa Infinite Card earn?
It earns 5x on groceries, 5x on gas and 5x on transit & rideshare. We value these points at about 0.7¢ each, so the top rate works out to roughly 3.5% back.
What credit score do you need for the BMO eclipse Visa Infinite Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“BMO eclipse Visa Infinite Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/bmo-eclipse-visa-infinite, updated June 2026.
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