Netwise

All calculators

BMO credit cards

Verified Oct 16, 2026CAD

1 BMO card ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $120.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1BMO eclipse Visa Infinite

    BMO

    eclipse Visa Infinite

    $120 fee · yr 1 freeGroceries 5xDining 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,294
    Year 2+$585

    3 years $2,465 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,294
    Year 2+$585
    Welcome or anniversary bonus$469 / $0Rewards on spending$655 / $655Credits$170 / $50Fees (taken off the end)-$0 / −$120
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    5x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    5x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 1. By 3-year value on the family preset's spending. Over 3 years it's worth $2,465 after fees.
    2. Year 1. $1,294 = welcome bonus $469 + rewards $655 + credits $170.
    3. Each year after. $585 = rewards $655 + credits $50 − fee $120.

    Points valued at 0.67¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption

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.

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.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
BMO eclipse Visa Infinite$789$2,138$2,465$2,689$3,866

Frequently asked questions

Which BMO card is best?

On a family's spending, BMO eclipse Visa Infinite is worth the most over 3 years ($2,465).

What do BMO cards cost?

Annual fees from $120 to $120 across the 1 cards listed here.

What rewards do BMO cards earn?

BMO Rewards. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.