BMO Eclipse Visa Infinite Card
Last updated:
$99/year
Earn up to 50,000 BMO Rewards points
Earn 50,000 points when you spend $3,000 in the first 3 months.
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Key Details
Annual Fee
$99
Network
visa
Credit Required
good, excellent
Reward Type
points, travel
Rewards Earn Rates
5x
Groceries
1x
Gas
5x
Dining
1x
Travel
1x
Everything Else
Highlights
- $99 annual fee
- 5x points on groceries, dining, and transit
- 1x on everything else
- Redeem for travel, gift cards, or statement credits
Pros & Cons
Pros
- + Excellent 5x rate on top categories
- + Flexible redemption options
- + Strong Visa Infinite insurance
- + Good welcome bonus
Cons
- – $99 annual fee
- – Only 1x on non-bonus spending
- – Points value varies by redemption
- – $80,000 minimum income
Who Is This Card For?
The BMO Eclipse Visa Infinite Card is best suited for Canadians who prioritize travel, groceries, dining spending. At $99/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
Extended Warranty
Purchase Protection
Rental Car Insurance
Insurance Coverage Details
Ways to Reduce the Annual Fee
- Product-switch from a no-fee BMO card
- Ask for fee waiver when opening a new BMO chequing account
Multi-Card Strategy
5x on groceries and dining rivals the Amex Cobalt but on Visa network - accepted everywhere including Costco (Visa in-store). Good Cobalt alternative.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for BMO Eclipse Visa Infinite CardAffiliate link · Disclosure
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.