BMO eclipse Visa Infinite Privilege
Niche cardWhat the roles mean
- Heavy spenders who travel: 5 points per $1 on groceries, dining, gas, travel and drugstores, plus 6 lounge visits
Welcome offer now
Earn up to 200,000 BMO Rewards points across three spend milestones, plus Visa Airport Companion membership + 6 lounge passes, a NEXUS statement credit and a $200 statement credit — trackers market the package as "up to ~$2,300 in value."
Ends October 31, 2026.
Checked on BMO's own page November 2, 2026. See BMO's page
What it earns in a year
104,400 points a year
Worth about −$77 after the $599 fee at the simplest redemption, up to $100 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $20,000 a year, then 1× points): 5× points.
- Dining & restaurants (First $25,000 a year, then 1× points): 5× points.
- Gas / EV (First $15,000 a year, then 1× points): 5× points.
- Travel (First $25,000 a year, then 1× points): 5× points.
- Drugstore / pharmacy (First $15,000 a year, then 1× points): 5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 104,400 points a year: worth $522 the easy way, $699 the best way.
- Easy way (0.5¢): Statement credit or investments
- Best way (0.67¢): BMO's travel booking: 150 points = $1
How to apply for the BMO eclipse Visa Infinite Privilege
- Check you qualify Income: $150,000 personal or $200,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on BMO's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on BMO's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer ends October 31, 2026: apply by then. 80,000 points at $6,000 in 110 days, +40,000 at $30,000 in 180 days, +80,000 at $75,000 in 12 months
- Groceries, dining, gas, travel, drugstores: 5 points per $1, each with its own yearly cap (groceries $20,000, dining and travel $25,000, gas and drugstore $15,000)
- Bills and everything else: 1 point per $1 (about 0.67%). Use another card
- Add an additional card ($99): +25% points on everything (6.25 and 1.25 points)
- $200 credit: charge one $200+ purchase after each anniversary
- Example: $800/month groceries + $250/month dining + $250/month gas = 78,000 points a year = about $520 in travel, against $399 net of the $200 credit
Key facts
- Annual fee
- $599
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- BMO RewardsSee every BMO Rewards card
Annual fee waiver
- None. Not on BMO's Premium Plan or Performance Plan rebate lists
From bmo.com product page, checked October 17, 2026. Not an affiliate link.
More BMO cards
BMO eclipse rise VisaNo annual fee
BMO Blue Rewards MastercardNo annual fee
BMO eclipse Visa Infinite$120 fee
BMO Ascend World Elite Mastercard$150 fee
BMO CashBack MastercardNo annual fee
BMO CashBack World Elite Mastercard$139 fee
BMO VIPorter Mastercard$89 fee
BMO VIPorter World Elite Mastercard$199 fee
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, drugstore / pharmacy
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, transit, entertainment, everything else
- Together: $194 a year after both fees, vs −$77 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, entertainment, everything else makes it $334 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 5 points per $1 on five categories, caps high enough for most households
- Up to 200,000 points; 80,000 of it (about $533 in travel) for $6,000 in 110 days
- $200 credit every year
- 6 lounge visits a year
- $5 million travel medical for 22 days, $2,500 trip cancellation, $1,000 phone insurance
- Up to $200 NEXUS credit in year one
Cons
- $599 a year, charged in year one too
- The full 200,000 needs $75,000 of spending in 12 months
- Points are worth about 0.67¢ only in travel; less as a statement credit
- No airline or hotel transfers
- 1 point per $1 on everything else
- 2.5% on foreign-currency purchases
- Needs $150,000 personal or $200,000 household income
Insurance included
- Travel medical: $5 million, under 65 first 22 days (65+: first 3 days)
- Trip cancellation: $2,500 per person ($5,000 per trip)
- Trip interruption: $5,000 per person ($25,000 per trip)
- Flight delay: $1,000
- Delayed bags: $500; lost bags: $1,000
- Hotel burglary: $2,500
- Travel accident: $500,000
- Rental car damage: up to 48 days, cars up to $65,000
- Phone: $1,000 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, warranty +1 year
Maximums as BMO lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 6 free visits a year (Visa Airport Companion, 1,300+ lounges)
- Lifestyle credit: $200 a year on your first $200+ purchase after the anniversary
- NEXUS: up to $200 credit in year one
- Visa Infinite Privilege: 24/7 concierge, hotel collection, dining events
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite Privilege | 5× points≈ 3.4% in value | $322 | $599 | November 2, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| BMO eclipse Visa Infinite Privilege | 5× points≈ 3.4% in value | $101 | $599 | November 2, 2026 |
How the offer has changed
One row per check of BMO's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Up to $2,300 in value: up to 200,000 points (80,000 at $6,000/110 days, +40,000 at $30,000/180 days, +80,000 at $75,000/12 months), up to $200 NEXUS credit, $200 anniversary lifestyle credit, Visa Airport Companion + 6 lounge visits; 0% balance-transfer intro for 12 months (2% fee). Applications Dec 15, 2025 to Oct 31, 2026Nothing replaced it yet: the page still advertises the same offer, but footnote 52 (EN and FR) still says applications must be received by Oct 31, 2026. Page, footnotes, rates insert and Plan rebate PDFs unchanged since October 21, 2026. Open question: lapsed end date still shown; re-check | $599, not waived | October 31, 2026 |
| October 21, 2026 | Up to $2,300 in value: up to 200,000 points (80,000 at $6,000/110 days, +40,000 at $30,000/180 days, +80,000 at $75,000/12 months), up to $200 NEXUS credit, $200 anniversary lifestyle credit, Visa Airport Companion + 6 lounge visits; 0% balance-transfer intro for 12 months (2% fee). Applications Dec 15, 2025 to Oct 31, 2026Unchanged since October 17, 2026. Offer still ends October 31, 2026 per BMO's terms; re-check on November 1, 2026 for what replaces it | $599, not waived | October 31, 2026 |
| October 17, 2026 | Up to $2,300 in value: up to 200,000 points (80,000 at $6,000/110 days, +40,000 at $30,000/180 days, +80,000 at $75,000/12 months), up to $200 NEXUS credit, $200 anniversary lifestyle credit, Visa Airport Companion + 6 lounge visits; 0% balance-transfer intro for 12 months (2% fee). Applications Dec 15, 2025 to Oct 31, 2026Unchanged. Middle tier confirmed at $30,000. Offer ends in two weeks. Not on the Premium or Performance Plan rebate lists | $599, not waived | October 31, 2026 |
General information, not financial advice. Offers change; confirm on BMO's page before you apply.