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Terms read from BMO's page on Oct 16, 2026.
Year 1, after fees
$1,294
Year 2+, after fees
$585
every year after
3 years, after fees
$2,465
Break-even
Month 1
Earn rate by category
Points at 0.67¢ each (cash or statement credit); published range 0.67¢ to 0.7¢. Source: Milesopedia points valuations, in effect since September 1, 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $423 | $183 | $789 | Month 1 |
| Couple ($2,555/mo) | $1,185 | $476 | $2,138 | Month 1 |
| Family ($3,350/mo) | $1,294 | $585 | $2,465 | Month 1 |
| Frequent traveller ($3,880/mo) | $1,369 | $660 | $2,689 | Month 1 |
| Big spender ($7,960/mo) | $1,761 | $1,052 | $3,866 | Month 1 |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Spending abroad: 2.5% on every foreign-currency purchase.
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
Credits, as counted
- Annual lifestyle credit: $50 a year100% used
- Streaming subscription credit, first year: $20 a month, first year50% used
Eligibility and availability
- Income
- None published
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: BMO Rewards points at 0.67 cents each: no redemption style chosen, so cash or statement credit. Source: Milesopedia points valuations, in effect since September 1, 2026.
- 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. Your spending meets it in month 2.
- Credits: Each credit counts at the share a typical cardholder uses (listed on the card's page).
- Note: The first-year fee is waived.
- Note: Adding an authorized user earns 10% more points; not counted.
- Note: BMO's site doesn't state every term; the ones it doesn't are from third-party sites, cited in the sources.
- Note: 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.
Not counted or not confirmed
- Income requirement: the issuer's page couldn't be read automatically on 2026-10-16; re-read by hand.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $585.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the BMO eclipse Visa Infinite worth it?
On a family's spending ($3,350 a month, points at their cash value), 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 covers its fee by month 1.
What is the BMO eclipse Visa Infinite welcome offer?
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.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.