BMO eclipse Visa Infinite Privilege Card
High earners who want top-tier Visa Infinite Privilege perks and heavy everyday multipliers.
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
A genuinely premium card with strong earn rates, lounge access and credits, but the $599 fee only makes sense for big spenders who use the perks every year.
Reward rates
Groceries | 5x |
Dining in and out | 5x |
Drugstore | 5x |
Gas | 5x |
Travel | 5x |
Everything else | 1x |
VaultNerd values these points at ~0.7¢ each.
Welcome bonus
Up to $2,300 in value: up to 200,000 BMO Rewards welcome points, up to $200 NEXUS statement credit in year one and a $200 anniversary lifestyle credit
Pros
- Rich 5x earn across five everyday and travel categories
- $200 annual lifestyle credit plus 6 lounge visits soften the fee
- Comprehensive travel insurance package
Cons
- Steep $599 annual fee with no first-year waiver
- High income requirement ($150k personal / $200k household)
- Points worth only ~0.7 cents each
Perks
- Visa Airport Companion membership with 6 complimentary lounge visits per year
- $200 anniversary lifestyle credit every year
- 25% more points on everything when you add another cardholder
- Priority Security Lane, airport parking and valet discounts at select Canadian airports
- Visa Infinite Privilege Concierge and Luxury Hotel Collection
- Six months of Instacart+ plus $10 monthly Instacart credit (enrollment required)
Insurance
- Out-of-province/country emergency medical up to $5 million (22 days)
- Trip cancellation/trip interruption insurance
- Flight delay insurance up to $1,000 per trip
- Common carrier and baggage insurance
- Hotel burglary insurance up to $2,500
- Car rental collision/loss damage insurance
- Mobile device insurance up to $1,000
- Extended warranty and purchase security insurance
Frequently asked questions
Is the BMO eclipse Visa Infinite Privilege Card worth it?
It charges a $599 annual fee, and we rate it 3.9 out of 5. It's best suited to high earners who want top-tier Visa Infinite Privilege perks and heavy everyday multipliers. The welcome bonus is worth roughly $1,800, 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 Privilege Card earn?
It earns 5x on groceries, 5x on dining in and out and 5x on drugstore. 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 Privilege Card?
We'd suggest a score of around 780 or higher, which puts approval in our "hard" band. It also lists an income requirement of $150,000 personal or $200,000 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 Privilege Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/bmo-eclipse-visa-infinite-privilege, updated June 2026.
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