BMO eclipse Visa Infinite* Card
- Welcome bonus up to 70,000 points and a first-year annual fee waiver.
- Earn 5x points on groceries, dining out, takeout/food delivery, gas, and transit.
- Features an annual $50 lifestyle statement credit to directly offset the ongoing $120 fee.
- Includes vital mobile device insurance up to $1,000.
This card is geared toward people who spend heavily on daily essentials and want flexible BMO Rewards points instead of cash back. It stands out for broad 5x bonus categories that cover groceries, gas, dining, transit and takeout or food delivery.
Welcome bonus
Get up to $1,150 in value, including up to 70,000 bonus points, a first-year annual fee waiver, streaming credits and a $50 anniversary lifestyle credit.
worth approximately $469
~$589 first-year value after $0 first-year fee
Earn rates
Estimate annual rewards
You'd earn ~60,000 points/year worth approximately $402
Key facts
Annual fee
$120.00
$50 for Additional Card.
Purchase APR
21.99%
Cash advance APR
23.99%
Foreign transaction fee
2.5%
Income required
$60,000 personal / $100,000 household OR $15,000 declared spend
Credit score
660+
Quebec residents — terms may differ
Cash advance rate is 21.99% in Quebec (vs 23.99% elsewhere), and a 5% minimum monthly payment applies.
Rates and fees sourced from BMO's official card page →
Perks & benefits
Welcome bonus up to 70,000 points and a first-year annual fee waiver.
Earn 5x points on groceries, dining out, takeout/food delivery, gas, and transit.
Features an annual $50 lifestyle statement credit to directly offset the ongoing $120 fee.
Includes vital mobile device insurance up to $1,000.
Insurance coverage
- Out-of-province medical (up to $5M, 15 days, under 65).
- Common carrier.
- Car rental collision/loss damage ($65K up to 48 days).
- Mobile device ($1,000).
- Purchase security (90 days) and extended warranty (1 year).
Pros & cons
Pros
- Excellent 5x earn rate across several everyday categories
- Broad bonus categories fit many common spending patterns
- Lifestyle credit adds recurring value beyond points earning
- First-year fee waiver improves first-year overall return
Cons
- Foreign transaction fee reduces travel spending appeal abroad
- Income or spending requirement may exclude some applicants
- Annual fee applies after the introductory first year ends
- Base earn rate outside bonus categories is only 1 point per $1
Eligibility requirements
- Canadian resident, age of majority, no bankruptcy in 7 years.
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