BMO eclipse Visa Infinite
Category cardWhat the roles mean
- Dining, groceries, gas and transit: 5 points per $1 (about 3.35% back in travel), year one free
Up to 70,000 BMO Rewards points (≈ $469 in travel value at ~0.67¢/pt) + first-year $120 annual fee waived + up to $20/month in streaming credits in year one,
Ends October 31, 2027.
Checked on BMO's own page October 21, 2026. See BMO's page
What it earns in a year
82,800 points a year
Worth about $294 after the $120 fee at the simplest redemption, up to $435 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 $6,000 a year, then 1× points): 5× points.
- Dining & restaurants (First $6,000 a year, then 1× points): 5× points.
- Gas / EV (First $20,000 a year, then 1× points): 5× points.
- Transit (First $20,000 a year, then 1× points): 5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 82,800 points a year: worth $414 the easy way, $555 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
Check first
- $15,000 a year in spending instead of income: BMO also accepts a declared current annual spend of at least $15,000
- Bonus for new cardholders only: not if you hold or held this card, or switch in from another BMO card
- Keep it 365 days: bonus points may be cancelled if you close the card sooner
- Check you qualify Income: $60,000 personal or $100,000 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: 30,000 points at $4,000 in 110 days, +20,000 at $7,000 in 180 days, +20,000 at $12,000 in 12 months. Apply by October 31, 2027
- Gas and transit: 5 points per $1 on the first $20,000 a year each
- Dining and groceries: 5 points per $1 on the first $6,000 a year each ($500 a month), then 1
- Bills and everything else: 1 point per $1 (about 0.67%). Use another card
- Add an additional card ($50): every rate goes up 10% (5.5 and 1.1 points)
- Example: $800/month groceries + $250/month dining + $250/month gas = 63,600 points a year = about $424 in travel
Key facts
- Annual fee
- $120
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- BMO RewardsSee every BMO Rewards card
Annual fee waiver
- BMO Premium Plan: $120 fee rebated every year
- Performance Plan: $40 back
- The catch: both need $15,000+ in card purchases each fee year; additional-card fees are not rebated
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 Ascend World Elite Mastercard$150 fee
BMO eclipse Visa Infinite Privilege$599 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
Neo World Elite Mastercard
- This card: dining & restaurants, transit
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, travel, drugstore / pharmacy, entertainment, everything else
- Together: $646 a year after both fees, vs $294 with this card alone
- With this card's $120 fee rebated (see Fee waiver): $766 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else makes it $768 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 four everyday categories
- Up to 70,000 points (about $467 in travel) and the $120 fee waived in year one
- Up to $20 a month in streaming credits in year one (in months with $500+ spending)
- $50 annual lifestyle credit
- $5 million travel medical and $1,000 phone insurance
- Points redeem against any travel charged to the card, from $1
Cons
- $120 a year from year two (see fee waiver)
- Groceries and dining stop at $6,000 a year each
- 1 point per $1 on everything else
- Points are worth about 0.67¢ only in travel; 0.33¢ as a statement credit
- No airline or hotel transfers
- No trip cancellation or flight delay cover we could confirm
- 2.5% on foreign-currency purchases
Insurance included
- Travel medical: $5 million, 64 and under, first 15 days
- 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
- Lifestyle credit: $50 a year
- Streaming credit: up to $20 a month for the first 12 months (max $240)
- Additional card: +10% points on everything
- Visa Infinite: concierge, hotel perks, dining events
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 | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 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 |
|---|---|---|---|
| October 21, 2026 | Up to $1,150 in value: up to 70,000 points (30,000 at $4,000/110 days, +20,000 at $7,000/180 days, +20,000 at $12,000/12 months), $20/month streaming credits in year 1 (max $240, needs $500 spend that month), first-year $120 fee waived (primary only), $50 anniversary credit. Applications Dec 15, 2025 to Oct 31, 2027Unchanged since October 17, 2026 (product page, BMO footnotes page, fee insert, Premium/Performance Plan rebate terms all the same) | $120, waived yr 1 (primary; $50 additional card not waived) | October 31, 2027 |
| October 17, 2026 | Up to $1,150 in value: up to 70,000 points (30,000 at $4,000/110 days, +20,000 at $7,000/180 days, +20,000 at $12,000/12 months), $20/month streaming credits in year 1 (max $240, needs $500 spend that month), first-year $120 fee waived (primary only), $50 anniversary credit. Applications Dec 15, 2025 to Oct 31, 2027Points tiers unchanged. Streaming credit and the "$1,150" claim now read on BMO's page. Fee fully rebated with the Premium Plan, $40 with the Performance Plan ($15,000 card spend/yr) | $120, waived yr 1 (primary; $50 additional card not waived) | October 31, 2027 |
General information, not financial advice. Offers change; confirm on BMO's page before you apply.