rewards4.3 / 5

BMO eclipse Visa Infinite Card

BMO

Best for

Everyday spenders who want big multipliers on groceries, gas, transit, and dining with flexible points.

Apply on BMO

Annual fee

$120

FX fee

2.5%

Purchase APR

21.99%

Income req.

$60,000 personal / $100,000 household

Recommended credit score

725+

Approval difficulty

Hard approval

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

~$900 value

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)

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“BMO eclipse Visa Infinite Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/bmo-eclipse-visa-infinite, updated June 2026.

Sources

BMO cardholder agreement and rates & fees disclosure
VaultNerd cards database