Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Welcome Bonus: 80,000 points
- +Up to 5x on Restaurants
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
Exclusive offer: the BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Thanks to our exclusive offer, you can earn up to 80,000 BMO Rewards points, for a total value of up to $1,200.
The welcome offer also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value).
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
$1,155
incl. welcome bonus
Annual rewards breakdown
- Earn 40,000 BMO Rewards after $4,000 in purchases within the first 110 days
- Earn 20,000 BMO Rewards after $7,000 in purchases within the first 180 days
- Earn 20,000 BMO Rewards after $12,000 in purchases within the first 12 months
- $50 annual credit (year 2)
Annual benefits
- $50
First-year advantages
- $120
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 21 days
Travel medical (55-64)
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 / 1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$120
First Year Annual Fee Rebate
- Additional card fee$50
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate23.99%Quebec21.99%
- Cash advance rate23.99%Quebec21.99%
Perks & Benefits
Annual lifestyle credit
$50
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Get up to $1,200 in value, including up to 80,000 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, delivered or takeout meals, rideshares, public transit, and gas*
- Plus, earn 1 point for every dollar spent on everything else*
- Get a $50 lifestyle anniversary credit to use as you wish*
- Mobile Device Insurance that covers you for up to $1,000 per occurrence*
- Earn 10% more points when you add an authorized user to your account*
- Pay with Points by browsing your recent transactions and you can redeem your points for as little as $1*
- Extended Warranty* and Purchase Protection*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
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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. Tori Points 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.