Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

BMOEveryday Rewards

BMO eclipse Visa Infinite Card

Our take: strongest for groceries and gas — about 3.35% back in value (est.) for $120 a year, plus a welcome bonus we value at roughly $469.

Welcome bonusEarn up to 70,000 BMO Rewards points as a welcome bonus

Apply on BMO’s site →

Goes straight to BMO
Our review

The BMO eclipse Visa Infinite Card is a mid-tier travel and everyday rewards card that earns an elevated 5 points per dollar on groceries, dining, gas, and transit, up to annual category caps, and 1 point per dollar elsewhere. The $120 annual fee is waived in the first year, and the card includes Visa Infinite travel insurance and perks. It suits households that spend steadily across its bonus categories but want a lower fee than premium travel cards like the RBC Avion Visa Infinite Privilege.

3.8out of 5

MoneyMint rating

#15 of 30 travel rewards cards · How we rate

Rewards value

5/10

Insurance

8/10

Flexibility

8/10

Welcome bonus

6/10

Fee value

10/10

Perks

6/10

≈ $835

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual fee

$120waived year one; $50 per additional card

Rewards rate

Up to 5 pts/$1groceries, dining, gas, transit (capped)

Welcome bonus

Up to 70,000 BMO Rewards ptssome offers may reference up to 80,000 — confirm current promotion

Rewards

~3.35%on groceries (est. value)

Credit score needed

Good

Foreign transaction fee

2.5% (est.)

Purchase APR 21.99% · Cash advance APR 23.99%

Pros & Cons

Pros

5 points per dollar on groceries, dining, gas, and transit covers several everyday spending categories at once
$120 annual fee is waived for the first year, letting you try the card at no cost
Visa Infinite status brings travel insurance coverage and perks not available on no-fee cards
Welcome bonus can be worth a meaningful amount when redeemed toward travel or statement credits
Mobile device insurance up to $1,000 for loss, theft or accidental damage when you buy the device in full with the card or finance it through a Canadian wireless carrier

Cons

The 5x rate stops after $50,000 of combined annual spend across groceries, dining, gas and transit, after which those categories earn 1 point per ’
Purchase and cash advance APRs above 21% apply once you carry a balance
Some promotional materials advertise up to 80,000 points while the standard offer lists 70,000 — confirm the live offer before applying
$120 fee returns after the first year, and there’s a $50 fee for additional cardholders
1 point per dollar outside bonus categories is unremarkable

Rewards & Earn Rates

Groceries, dining, gas, transit5 pts/$1up to a combined $50,000 in annual purchases across all four categories

All other purchases1 pt/$1

BMO’s card terms set a single combined cap: the 5x rate applies to the first $50,000 in annual purchases across gas, grocery, dining and transit, calculated January 1 to December 31, after which those purchases earn 1 point per $1.

Who It’s For

Best for

Households with steady grocery, dining, gas, and transit spending who want an elevated earn rate without a premium annual fee
Those who want Visa Infinite travel insurance without paying $200+ per year
Anyone who can use the first-year fee waiver to try the card before committing

Not ideal for

Big spenders in the bonus categories who would blow past the annual cap and prefer a card with unlimited bonus earning
Anyone who carries a balance regularly, given the 21.99%+ APR
Those seeking a true premium travel card with airport lounge access or elevated concierge service

Not Sure? Three Cards People Compare It With

All everyday spending cards →

WestJet RBC World Elite Mastercard

Pick this instead if you want a bigger welcome bonus (~$700 est.).

Fee $139Rating 4.0 ★Bonus $700

Read review

CIBC Aventura Visa Infinite Card

Pick this instead if travel insurance matters more to you.

Fee $139Rating 3.9 ★Bonus $720

Read review

RBC Avion Visa Infinite Business Card

Pick this instead if you want a bigger welcome bonus (~$750 est.).

Fee $175Rating 4.3 ★Bonus $1,175

Read review

3.8MoneyMint rating

BMO eclipse Visa Infinite Card

Best for groceries and gas · $120/year · ~$469 welcome bonus (est.)

Apply on BMO’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against BMO’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by BMO and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the BMO eclipse Visa Infinite Card?

The BMO eclipse Visa Infinite Card has an annual fee of $120 (waived year one, $50 per additional card).

What is the rewards rate on the BMO eclipse Visa Infinite Card?

The BMO eclipse Visa Infinite Card offers: 5 points per $1 on groceries, dining, gas, and transit (a combined $50,000 annual cap across all four categories); 1 point per $1 elsewhere

Does the BMO eclipse Visa Infinite Card have a welcome bonus?

Up to 70,000 BMO Rewards points Some secondary sources reference an 80,000-point offer that may be time-limited or promotional. Confirm the live offer on BMO’s official page before applying.

What credit score do I need to qualify for the BMO eclipse Visa Infinite Card?

Generally, you’ll want a good credit score to be considered for the BMO eclipse Visa Infinite Card. Approval also depends on income and overall credit history, not credit score alone.

Does the BMO eclipse Visa Infinite Card charge foreign transaction fees?

2.5% (estimated — standard Visa foreign exchange rate; not separately itemized in all BMO materials)