Who this card is for
A good fit if you…
- Households that want BMO Rewards points on groceries, dining, gas, and transit, and who will actually redeem those points instead of forgetting them in the app.
- People who will use the annual lifestyle statement credit — an unused credit is just a smaller annual fee with extra steps.
- Applicants who can add an authorized user on purpose, because the card’s features currently pay 10% more points on all purchases when you do.
- BMO customers with at least $60,000 in personal income or $100,000 in household income, or at least $15,000 spent on other credit cards in the last 12 months, who are permanent Canadian residents, have not declared bankruptcy in the past seven years, and pay in full.
Skip it if you…
- Anyone who would rather see 5% grocery cash back than learn BMO Rewards. That is BMO CashBack World Elite, with World Elite income instead of Infinite.
- High spenders who want 5x on drugstores and travel, or dining above this card’s $6,000 annual cap. That wider mix lives on Eclipse Infinite Privilege at a much higher fee and income bar.
- Applicants who want a $0 Eclipse card. Eclipse Rise currently lists no annual fee and a weaker points-per-dollar story.
- People who revolve a balance. Points will not outrun the purchase rate.
Pros and cons
Pros
- 5 BMO Rewards points per dollar on groceries, dining (including takeout and food delivery), gas, and transit is a clear everyday engine if those bills are large, inside annual caps of $6,000 on dining, $6,000 on groceries, $20,000 on gas, and $20,000 on transit.
- A $50 annual lifestyle statement credit in the features is a concrete perk, not a portal you have to remember to browse.
- 10% more points on all purchases when you add an authorized user is a real household bonus if a partner was going to spend anyway.
- The current welcome wrap stacks up to 70,000 bonus points, monthly streaming statement credits in year one, no annual fee on the primary card in year one, and a $50 anniversary lifestyle credit.
- 1 point per dollar on everything else is printed, so spend outside the 5x list does not fall to zero. Visa Infinite acceptance is straightforward at Canadian merchants that still skip American Express.
Cons
- The 5x categories are capped by calendar year: $6,000 dining, $6,000 groceries, $20,000 gas, and $20,000 transit. Above the caps, and on everything else, the rate is 1 point per dollar.
- BMO Rewards are only as good as BMO’s redemption chart. Travel is 150 points = $1, and non-travel purchases are 200 points = $1. Treat the welcome “up to $1,150” as a marketing wrap, not as cash.
- Additional cards are $50 a year, and the first-year annual-fee waiver does not apply to them.
- Out-of-province emergency medical is up to $5 million per insured person, per trip, for the first 15 consecutive days if you are 64 or under. Coverage also includes car rental coverage (rentals up to 48 days, MSRP up to $65,000), common carrier coverage up to $500,000, mobile device insurance up to $1,000, 90-day purchase security, and an extended warranty that doubles the manufacturer’s warranty up to one extra year. Read the certificate.
- The welcome is closed to current or former eclipse Visa Infinite cardholders who reinstate a closed account or open the same card again during the offer, and to existing BMO cardholders who transfer into the product. Bonus points may be cancelled if the card is cancelled within 365 days of opening.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $120
- Estimated welcome bonus value
- up to $1,150
- Bonus minus fee (estimate)
- $1,030
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
The fee table shows a paid Infinite card. On the current offer the primary annual fee ($120) is waived in the first year; that waiver does not apply to additional cards, which are $50 each.
The first-year snapshot on this page compares estimated welcome-bonus value with the headline fee — it does not assume the waiver, so real year one can look better if you get that waiver plus streaming credits plus bonus points. Year two is the full fee versus 5x on groceries, dining, gas, and transit inside the annual caps, 1x on the rest, and the $50 lifestyle credit.
Do a simple check: if you would rather have 5% grocery cash back and can meet World Elite income, CashBack World Elite is the less fiddly BMO card. If you will not redeem points, Eclipse is an expensive way to shop.
The offer on this card runs through October 31, 2027. Pay in full.
Rewards and earn rates explained
Rewards program: BMO Rewards Points
This card earns BMO Rewards points, BMO’s flexible currency — not CashBack dollars and not Aeroplan. The current features pay 5 points per dollar in Canada at grocery stores, on dining out and takeout or food delivery, on gas, and on public transit and rideshare (BMO’s examples are Uber and Lyft).
The annual caps are $6,000 on dining, $6,000 on groceries, $20,000 on gas, and $20,000 on transit, calculated each calendar year. Everything else, including purchases above those caps, earns 1 point per dollar.
A $50 Anniversary Lifestyle Credit applies each year after a single purchase of $50 or more. Add an authorized user and the card pays 10% more points on all purchases.
Redeem for travel at 150 points = $1, or at 200 points = $1 on non-travel purchases, with Pay with Points. Privilege lists 5x on a wider stack (groceries, dining, drugstore, gas, and travel) and 1x elsewhere — that is the product above this one, not a hidden Infinite perk.
If you want cash back that does not need a catalogue, compare CashBack World Elite. Merchant coding still applies: a warehouse club or a transit app that processes as general retail can miss the 5x bucket.
Welcome bonus: how to unlock it
Get up to $1,150 in value including up to 70,000 Bonus points
For applications received between December 15, 2025 and October 31, 2027, BMO advertises up to $1,150 in value. The points piece is up to 70,000 BMO Rewards bonus points, worth up to $467 when redeemed for travel at 150 points = $1: 30,000 points when you spend $4,000 in net purchases within the first 110 days, another 20,000 when you spend $7,000 within the first 180 days, and another 20,000 when you spend $12,000 within the first 12 months.
The rest of the wrap is up to $20 a month in streaming statement credits for the first 12 months (up to $240) on Disney+, Netflix, Crave, TSN, SiriusXM, Fubo, Apple TV, DAZN, or Spotify, billed as a recurring payment, in months you spend at least $500; a first-year annual fee waiver of $120 that does not apply to additional cards; and a $50 Anniversary Lifestyle Credit. BMO also counts potential first-year earn (up to $280) inside the $1,150.
The offer is not available to current or former eclipse Visa Infinite cardholders who reinstate a closed account or open the same card during the offer period, or to existing BMO cardholders who transfer into this product. Bonus points may be cancelled if the card is cancelled within 365 days of opening.
Do not force extra spend to chase bonus points if grocery, dining, and gas were not already in the budget.
Welcome bonus eligibility: Applications must be received between December 15, 2025 and October 31, 2027. Not available to current or former BMO eclipse Visa Infinite cardholders who reinstate a closed account or open a new account for the same card during the Offer Period, or to existing BMO credit card cardholders who transfer into this product. Bonus points may be cancelled if the card is cancelled within 365 days of opening.
FAQ
Is the BMO Eclipse Visa Infinite Card worth it in 2026?
It is worth it when you want BMO Rewards on groceries, dining, gas, and transit, will use the lifestyle credit, and like the first-year waiver wrap. It is not worth it if you wanted 5% cash back (that is CashBack World Elite) or Privilege’s drugstore and travel 5x on an Infinite budget.
Eclipse Visa Infinite vs BMO CashBack World Elite?
CashBack World Elite pays grocery cash back as statement credits, at a World Elite income bar and fee. Eclipse Infinite pays BMO Rewards points on groceries, dining, gas, and transit, at Infinite income. Choose CashBack if you want dollars. Choose Eclipse if you want points and the lifestyle credit, and you already bank at BMO in that currency.
Eclipse Visa Infinite vs Eclipse Infinite Privilege?
Privilege currently lists 5x on groceries, dining, drugstore, gas, and travel, plus 1x elsewhere, at a much higher fee, income bar, and a lounge/NEXUS-style welcome wrap. Infinite’s 5x list is groceries, dining (including takeout), gas, and transit, with a $50 lifestyle credit.
Infinite is the mid-fee Eclipse. Choose Privilege only if drugstore, travel, and that income band are already your life.
Eclipse Visa Infinite vs BMO Eclipse Rise?
Eclipse Rise currently lists no annual fee and 5 points per $2 on bills, grocery, dining, and takeout. Infinite charges a fee (waived on the primary card in year one on the current offer, not on additional cards) for 5 points per $1 on groceries, dining, gas, and transit, 1 point per $1 on everything else, and the lifestyle credit.
Choose Rise if you want Eclipse points without an Infinite membership.
Does this card charge foreign-exchange fees?
Foreign-currency purchases are converted at the payment network’s exchange rate plus 2.50%. Eclipse Infinite is a points card, not a no-FX Passport. For overseas spend, compare Scotiabank Passport Visa Infinite.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- BMO CashBack World Elite Mastercard review · BMO · $139 annual fee
- BMO Eclipse Visa Infinite Privilege Card review · BMO · $599 annual fee
- BMO Eclipse Rise Visa Card review · BMO · $0 annual fee
