travel3.9 / 5

BMO eclipse Visa Infinite Privilege Card

BMO

Best for

High earners who want top-tier Visa Infinite Privilege perks and heavy everyday multipliers.

Apply on BMO

Annual fee

$599

FX fee

2.5%

Purchase APR

21.99%

Income req.

$150,000 personal / $200,000 household

Recommended credit score

780+

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

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

~$1,800 value

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

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 Information may be simplified, incomplete, or out of date.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 Privilege Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/bmo-eclipse-visa-infinite-privilege, updated June 2026.

Sources

BMO cardholder agreement and rates & fees disclosure
VaultNerd cards database