Pros
- ✓First Year Annual Fee Rebate ($120 annual fee rebated)
- ✓Welcome Bonus: 70,000 points
- ✓Up to 5x on Restaurants
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No airport lounge access despite fee
Our Review
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With our welcome offer, you can get up to 70,000 BMO Rewards points.
Here’s how to earn the welcome offer points:
- 30,000 welcome points when you spend $4,000 in the first 110 days*
- 20,000 bonus points when you spend $7,000 in the first 180 days*
- 20,000 bonus points when you spend $12,000 in the first 12 months*
Plus, enjoy a monthly statement credit for streaming services, a $50 annual lifestyle credit, and no annual fee for the first year.
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
72,000
BMO Rewards/yr
Estimated Value
$482
After Fees
+$482
1st Year Value
$951
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
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
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Annual Statement Credit
$50/year
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Welcome offer: Get up to $1,150 in value, including up to 70,000 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, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
- Get a monthly streaming credit.*
- Get a $50 annual lifestyle credit to spend however you want.*
- Earn 10% more points when you add an authorized user to your account*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
FAQ
What is the welcome offer on the BMO eclipse Visa Infinite* Card?
Up to 80,000 points, $50 lifestyle credit and $120 annual fee waiver for the first year.
What are the points-earning ratios?
5x points for groceries, restaurants, gas and transportation; 1 point per dollar everywhere else.
How does lifestyle anniversary credit work?
$50 credit to use as you wish each year.
Is there any advantage to adding an authorized user?
Yes, get 10% more points by adding an authorized user.
Is mobile device insurance included with the card?
Mobile device insurance up to $1,000.
How can I use my points for purchases?
Redeem your points for recent transactions starting at $1.
Legal
*Terms and conditions apply.
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