BMO eclipse Visa Infinite* Card
$100,000 (household)
BMO eclipse Visa Infinite* Card
Get up to $1,150 in value
Get up to 70,000 points, streaming service credits, a $50 annual credit, and no annual fee in the first year.
BMO eclipse Visa Infinite* Card - BMO
Estimated rewards for the first year*
BMO eclipse Visa Infinite* Card - BMO
Estimated rewards for subsequent years*
Reward Calculator
Net Annual rewards the fisrt year
Net Annual rewards the subsequent years
Pros & Cons
Pros
- ✅ High earning rate: 5x points on groceries, dining, gas, and transit
- ✅ Generous welcome bonus: Up to 70,000 BMO Rewards points
- ✅ Annual fee waived for the first year
- ✅ $50 annual lifestyle credit effectively reduces ongoing costs
- ✅ Mobile device insurance coverage up to $1,000
- ✅ 10% bonus points when you add an authorized user
- ✅ Comprehensive purchase security insurance and extended warranty
- ✅ Visa Infinite benefits including exclusive dining series access
Cons
- ❌ High minimum income requirements ($60,000 personal/$100,000 household)
- ❌ $120 annual fee after the first year
- ❌ 2.5% foreign transaction fees on international purchases
- ❌ Expensive authorized user fees ($50 each annually)
- ❌ Higher interest rates compared to basic cards (20.99% purchases)
- ❌ No built-in airport lounge access
- ❌ Limited travel insurance compared to luxury travel cards
Rewards & Earnings
Getting Your Welcome Bonus
The BMO Eclipse Visa Infinite now offers up to 70,000 BMO Rewards points as part of its welcome bonus, structured across multiple spending milestones:
- 30,000 points after spending $4,000 within the first 110 days
- 20,000 points after spending $7,000 within the first 180 days
- 20,000 points after spending $12,000 within the first 12 months
In total, the welcome bonus is worth up to $467 in travel value (based on 150 points = $1 when redeemed for eligible travel purchases).
To receive each portion of the bonus, your account must remain open and in good standing. If the card is cancelled within the first year, any bonus points earned may be forfeited.
How You Earn Rewards
The Eclipse Visa Infinite card continues to stand out for everyday spending:
Bonus Categories (5x points per $1):
- Groceries
- Restaurants
- Gas
- Transit (including public transit, ride-sharing, taxis)
Base Rate:
- 1 point per $1 on all other purchases
Authorized User Bonus:
Adding an authorized user ($50/year) boosts all earnings by 10%
- 5.5x on bonus categories
- 1.1x on other purchases
How Much Your Rewards Are Worth
BMO Rewards offers flexible redemption options:
Travel Redemptions:
- Up to 0.67¢ per point (150 points = $1)
- Applies to flights, hotels, car rentals, vacation packages, and more
Non-Travel Redemptions (Statement Credits):
- ~0.50¢ per point (200 points = $1)
- Can be applied to purchases within 90 days
Travel redemptions consistently provide the best value.
Additional First-Year Value
Beyond the welcome bonus, the card includes:
- Up to $240 in streaming credits ($20/month when spending at least $500 monthly)
- First-year annual fee waiver ($120 value)
- $50 anniversary lifestyle credit
- Ongoing rewards earning (~$280 potential in year one based on typical spending)
Combined, these benefits bring the total first-year value up to $1,150.
Calculating Your Annual Rewards
For a household spending $2,000/month ($24,000/year):
- $800 in bonus categories → 4,000 points/month
- $1,200 in other purchases → 1,200 points/month
- Total → 5,200 points/month (62,400/year)
Estimated value:
- 62,400 × $0.0067 ≈ $418 (travel value)
- Minus $120 annual fee = $298
- Plus $50 lifestyle credit = $348 net annual value
Details and Eligibility
| Credit Score Required: | 725+ (estimated) |
| Personal Income Requirement: | $60,000 |
| Household Income Requirement: | $100,000 |
| Canadian Residency: | Required |
| Minimum Age: | 18 or 19, depending on province |
| Bankruptcy Status: | None |
| Purchase: | 21.99% |
| Cash Advance: | 23.99% |
| Cash Advance (Quebec): | 21.99% |
| Balance Transfer: | 23.99% |
| Balance Transfer (Quebec): | 21.99% |
| Annual Fee: | $120 |
| First Year Free: | Yes |
| Extra Card Fee: | $50 / year |
| Foreign Transaction Fee: | 2.5% |
| Cash Advance Fee: | Greater of $5 or 3% of the amount |
| Balance Transfer Fee: | 3% of the amount |
Insurance Coverage
| Type of Insurance | Coverage |
|---|---|
| Extended Warranty | Doubles manufacturer’s warranty (up to 1 additional year) |
| Purchase Protection | 90 days from purchase date |
| Mobile Device Insurance | Up to $1,000 per claim |
| Emergency Medical | Up to $5 million per trip |
| Trip Cancellation / Interruption | Up to $2,500 per person ($5,000 max per trip) |
| Flight Delay | Meals and accommodation reimbursement |
| Lost or Stolen Baggage | Replacement coverage |
| Car Rental Theft & Damage | Collision Damage Waiver (secondary coverage) |
| Travel Accident | Included with travel medical coverage |
Our Rating
Our Expert Review
Overview
The BMO Eclipse Visa Infinite earned recognition as the 2024 Milesopedia Best Gas & Transit Credit Card, reflecting its strong positioning for everyday spending rewards. This card targets frequent spenders on bonus categories who meet the qualifying income thresholds and value flexible redemption options over luxury travel perks.
The card’s strength lies in its straightforward earning structure and practical benefits rather than premium travel amenities. For urban professionals and families who can maximize the 5x earning categories, the Eclipse Visa Infinite delivers compelling value despite the annual fee.
Earning BMO Rewards Points
The 5x points earning rate on groceries, dining, gas, and transit translates to approximately 3.35% return when points are redeemed for travel (at 0.67 cents per point). This effective return rate ranks among the highest in the Canadian market for these essential spending categories.
The 10% authorized user bonus adds meaningful value for households with combined spending. For a family spending $1,000 monthly on bonus categories, the additional authorized user would generate an extra 500 points monthly (50 points × 10 categories), potentially justifying the $50 annual fee for the user to your account.
Consider focusing your day to day spending on the bonus categories while using other cards for purchases outside these areas to maximize your points accumulation.
BMO Rewards Program
BMO’s proprietary rewards program offers solid flexibility without the complexity of airline programs or the restrictions of some bank programs. The ability to redeem points starting at small amounts provides practical utility for everyday needs, while travel bookings through BMO’s portal deliver the highest redemption values.
The program’s strength lies in its simplicity and redemption flexibility. Unlike some programs that heavily favor travel redemptions, BMO Rewards provides reasonable value across multiple redemption categories, making it accessible for various spending patterns and preferences.
Annual Fee and Credits
The $120 annual fee positions the Eclipse Visa Infinite in the mid-premium category, below luxury cards but above no-fee options. The $50 anniversary lifestyle credit effectively reduces the real cost to $70 annually, while the first-year fee waiver provides excellent trial value.
The lifestyle credit applies automatically to qualifying purchases, including entertainment, fitness, and experiential spending. This broad definition makes the credit easy to use without requiring specific merchant categories or manual activation.
Insurance and Protection Benefits
The mobile device insurance coverage up to $1,000 provides significant value for smartphone and tablet users. With device costs frequently exceeding $1,000, this coverage can justify the annual fee for a single claim. The 90-day purchase security insurance and extended warranty protection add value for major purchases throughout the year.
Travel insurance coverage, while comprehensive, falls short of luxury card standards. The emergency medical coverage and car rental protection provide essential coverage, but frequent travelers might prefer cards with more robust travel benefits and higher coverage limits.
Not Sure If It’s For You?
Consider the BMO Ascend World Elite Mastercard if you prioritize travel benefits over everyday earning rates. The Ascend card offers airport lounge access, enhanced travel insurance, and 5x points on travel purchases, though with higher income requirements and annual fees.
For consumers who don’t meet the income requirements or prefer simpler reward structures, the BMO CashBack Mastercard provides straightforward cash back on groceries and recurring bills without annual fees or income thresholds.
The Eclipse Visa Infinite works best for middle to upper-middle income households with substantial spending on bonus categories who value point flexibility over luxury travel amenities.
Frequently Asked Questions about the BMO Eclipse Visa Infinite
-
What is the BMO Eclipse Visa Infinite annual fee?
The BMO Eclipse Visa Infinite carries a $120 annual fee, which is waived for the first year for new cardholders. This positions it competitively among premium Canadian credit cards, especially considering the first-year value proposition with the fee waiver and welcome bonus.
After the first year, the effective cost drops to $70 when factoring in the $50 annual lifestyle credit, making the ongoing value proposition more attractive for regular users of the bonus spending categories.
-
How do I maximize rewards with this card?
Focus your spending on the 5x earning categories: groceries, restaurants, gas stations, and daily transit. These categories typically represent significant portions of household budgets, making it easier to maximize the enhanced earning rate.
Use the $50 lifestyle credit annually on qualifying entertainment, fitness, or experiential purchases. Consider adding an authorized user if your household spending justifies the $50 fee for the 10% points bonus across all categories.
-
What are the income requirements?
BMO requires minimum annual income of $60,000 for individual applicants or $100,000 for household income. Alternatively, you can qualify by declaring a minimum spend of $15,000 annually on credit cards, providing flexibility for high-spending consumers with lower reported incomes.
These requirements target the card toward established professionals and households with substantial disposable income for everyday spending categories.
-
How does BMO Eclipse compare to other 5x earning cards?
The BMO Eclipse Visa Infinite’s 5x earning rate on groceries, dining, gas, and transit ranks among the highest in Canada for these specific categories. While some cards offer higher rates on individual categories, few match the breadth of 5x earning across all four everyday spending areas.
The card’s main advantages include the comprehensive category coverage, flexible redemption options, and strong insurance package. Competitors might offer better travel benefits or higher point values, but typically with trade-offs in everyday earning potential or accessibility.
-
Can I get approved with fair credit?
The BMO Eclipse Visa Infinite targets applicants with very good to excellent credit (estimated 725+ credit score). Applicants with fair credit (600-699) have lower approval odds and might consider building credit history with entry-level cards before applying.
To improve approval chances, ensure you meet the minimum income requirements, maintain low credit utilization ratios, and avoid recent credit inquiries. BMO customers with existing banking relationships may have slightly better approval odds due to established account history.
Final Thoughts
The BMO Eclipse Visa Infinite delivers solid value for Canadian consumers who prioritize everyday spending rewards over luxury travel perks.
With its 5x earning structure on essential categories, generous welcome bonus, and practical benefits like mobile device insurance, this card earns its place among Canada’s top everyday rewards credit cards.
However, the income requirements and annual fee mean it’s best suited for financially stable households who can maximize the bonus categories while justifying the ongoing cost through regular usage and the annual lifestyle credit.
Mathieu Laliberte-Robert
Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.
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