BMO eclipse Visa Infinite
Visa travel card with a $120 annual fee, waived in the first year. Earns 5x on dining and food delivery, up to $6,000 a year, 5x on groceries, up to $6,000 a year, 5x on gas, up to $20,000 a year.
Terms read from BMO's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $120, waived in year 1
- Additional card
- No fee
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%
Rewards
- 5x on dining and food delivery, up to $6,000 a year
- 5x on groceries, up to $6,000 a year
- 5x on gas, up to $20,000 a year
- 5x on transit and rideshare, up to $20,000 a year
- 1x on everything else
Earns BMO Rewards, valued at 0.67 cents as cash, 0.7 through the issuer's travel booking.
Credits, as counted
- Annual lifestyle credit: $50 a year100% used
- Streaming subscription credit, first year: $20 a month, first year50% used
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $423 | $183 | $789 | Month 1 |
| Family | $1,294 | $585 | $2,465 | Month 1 |
| Frequent traveller | $1,369 | $660 | $2,689 | Month 1 |
Frequently asked questions
Is the BMO eclipse Visa Infinite worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $1,294 in year 1 and $585 a year after that, after a $120 annual fee, waived in the first year. It pays for its fee by month 1.
What is the BMO eclipse Visa Infinite welcome bonus?
30,000 points after $4,000 in the first 110 days, 20,000 more after $7,000 in 180 days and 20,000 more after $12,000 in the first year.
Does the BMO eclipse Visa Infinite charge foreign transaction fees?
Yes, 2.5% of each purchase in a foreign currency.
What isn't counted in its value?
The first-year fee is waived. Adding an authorized user earns 10% more points; not counted. BMO's site doesn't state every term; the ones it doesn't are from third-party sites, cited in the sources. The first welcome step's window is 110 days; 3 months is counted. creditcardGenius shows its own larger offer (up to 80,000 points); BMO's public offer of up to 70,000 is counted.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.