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

BMOPremium Travel

BMO eclipse Visa Infinite Privilege Card

Our take: strongest for groceries and gas — about 3.35% back in value (est.) for $599 a year, plus a welcome bonus we value at roughly $1,340.

#5 Rewards

Welcome bonusEarn up to 200,000 BMO Rewards points as a new cardholder

Apply on BMO’s site →

Goes straight to BMO
Our review

The BMO eclipse Visa Infinite Privilege Card is BMO’s top-tier halo travel card, earning 5 BMO Rewards points per dollar on dining, travel, groceries, gas, and drugstore purchases, with a $599 annual fee, Visa Infinite Privilege travel insurance and lounge access, and a steep $150,000 individual (or $200,000 household) income requirement. It suits high-income households that already spend heavily in its bonus categories and will actually use the premium travel perks — it is not a fit for casual spenders or anyone who does not clear the income bar.

4.4out of 5

MoneyMint rating

#3 of 10 premium travel cards · How we rate

Rewards value

6/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

10/10

Fee value

0/10

Perks

10/10

≈ $1,292

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

$599/yr primary$99/yr per additional card

Rewards rate

Up to 5 pts/$1dining, travel, groceries, gas, drugstore (caps may apply)

Welcome bonus

Up to 200,000 ptstiered, spend-based — confirm current offer

Rewards

~3.35%on groceries (est. value)

Credit score needed

Excellent

Foreign transaction fee

2.5%

Pros & Cons

Pros

Up to $5 million in emergency medical travel insurance for the first 22 days of a trip

6 complimentary airport lounge visits per year via the Visa Airport Companion Program (~1,200 lounges worldwide)

24/7 Visa Infinite Privilege concierge service

$200 annual lifestyle credit, plus up to $200 toward a NEXUS application fee in year one

5 points per dollar on dining, travel, groceries, gas, and drugstore purchases
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

$599/year is among the highest annual fees of any mainstream Canadian personal card

Requires $150,000 individual or $200,000 household income to qualify — out of reach for most applicants

The 5x categories are capped per category each year: $25,000 dining, $25,000 travel, $20,000 groceries, ’5,000 gas and ’5,000 drugstore, after which those purchases earn 1 point per ’

Welcome offer tier thresholds vary slightly between sources; verify the live offer before applying

$99/year fee for each additional cardholder

Rewards & Earn Rates

Dining, travel, groceries, gas, drugstore5 pts/$1per-category annual caps: $25,000 dining · $25,000 travel · $20,000 grocery · $15,000 gas · $15,000 drugstore

All other purchases1 pt/$1

BMO’s published card terms set separate annual caps for each 5x category — dining $25,000, travel $25,000, grocery $20,000, gas ’5,000 and drugstore ’5,000 — calculated January 1 to December 31. Note this differs from the BMO eclipse Visa Infinite, which uses one combined $50,000 cap instead.

Who It’s For

Best for

High-income households that already spend heavily on travel, dining, and everyday categories and want elevated rewards plus real travel perks

Frequent travelers who will actually use the airport lounge access and travel insurance

Big spenders who can realistically reach the welcome bonus’s higher spending tiers

Not ideal for

Anyone who does not clear BMO’s $150,000 / $200,000 income requirement

Casual spenders who won’t earn enough points to offset a $599 annual fee

Those who want a simpler, lower-fee premium travel card

Not Sure? Three Cards People Compare It With

All everyday spending cards →

RBC Avion Visa Infinite Business Card

Pick this instead if you want a lower annual fee ($175).

Fee $175Rating 4.3 ★Bonus $1,175

Read review

TD First Class Travel Visa Infinite Card

Pick this instead if you want a lower annual fee ($139).

Fee $139Rating 4.2 ★Bonus $800

Read review

American Express Business Platinum Card

Pick this instead if you want a bigger welcome bonus (~$2,040 est.).

Fee $799Rating 3.9 ★Bonus $2,040

Read review

4.4MoneyMint rating

BMO eclipse Visa Infinite Privilege Card

Best for groceries and gas · $599/year · ~$1,340 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 Privilege Card?

The BMO eclipse Visa Infinite Privilege Card has an annual fee of $599/year for the primary cardholder; $99/year per additional cardholder.

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

The BMO eclipse Visa Infinite Privilege Card offers: Up to 5 points per dollar on dining, travel, groceries, gas, and drugstore purchases (category caps may apply per BMO’s own materials); 1 point per dollar elsewhere

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

Up to 200,000 BMO Rewards points Tiered/spend-based structure reported as roughly 80,000 + 40,000 + 80,000 points at increasing spend thresholds — sources vary on exact thresholds and offer expiry; 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 Privilege Card?

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

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

2.5%