Who this card is for
A good fit if you…
- High-income households that will put groceries, restaurants, drugstores, gas, and travel on one Visa and want 5x BMO Rewards on that whole stack.
- Travellers who will use the welcome wrap’s lounge passes and NEXUS statement credit instead of letting them expire.
- People who will spend the anniversary lifestyle credit every year — an unused credit is just a slightly smaller annual fee with extra steps.
- BMO customers who meet the income figures in eligibility ($150,000 personal or $200,000 household) or who spent at least $50,000 on other credit cards in the last 12 months, have not held this card before if they care about the bonus, and pay in full.
Skip it if you…
- Anyone who would be happy with 5x on groceries, dining (including takeout), gas, and transit. That is regular Eclipse Visa Infinite at a much lower fee, with a first-year waiver on that card’s current offer.
- People who want 5% grocery cash back as dollars, not BMO Rewards. CashBack World Elite is the less fiddly BMO card.
- Applicants who want a $0 Eclipse card. Eclipse Rise currently lists no annual fee and a points-per-$2 story.
- Current or former cardmembers with this Privilege product chasing the welcome wrap. The eligibility text currently excludes them, and the offer on this card ends October 31, 2026.
Pros and cons
Pros
- 5x on groceries, dining in and out, drugstore purchases, gas, and travel is a wider everyday engine than Infinite’s groceries, dining, gas, and transit list.
- 1 point per dollar on everything else, including purchases above the category caps, is printed on this card.
- The current welcome wrap stacks up to 200,000 BMO Rewards points, a first-year NEXUS statement credit, a $200 anniversary lifestyle credit, Visa Airport Companion, and 6 complimentary lounge visits a year, marketed as up to $2,300.
- Visa Infinite Privilege acceptance is straightforward at Canadian merchants that still skip American Express.
- BMO Rewards stay in the same pool as Infinite and Rise, so an upgrade does not split currencies.
Cons
- The annual fee is premium-card money, and additional cards currently carry their own annual fee. A household of authorized users is a second membership.
- 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 $2,300” as a marketing envelope, not as cash in the account.
- Out-of-province emergency medical is up to $5 million per insured person, per trip: the first 22 consecutive days if you are 64 or under, and 3 days if you are 65 or over. Coverage also includes trip cancellation (up to $2,500 per insured person, $5,000 per trip), trip interruption (up to $5,000 per insured person, $25,000 per trip), flight delay up to $1,000 per trip, lost or damaged baggage up to $1,000 per person ($2,500 per trip), hotel burglary up to $2,500, car rental damage (rentals up to 48 days, MSRP up to $85,000), common carrier coverage up to $500,000, mobile device insurance up to $1,000, plus purchase security and extended warranty. Read the certificate.
- Income listed in eligibility is a high personal or household bar, with a $50,000 prior-spend alternative. This is not a step-up you take because the Infinite card felt mid.
- NEXUS and lounge pieces in the welcome wrap only count if you apply, travel, and claim them. Forgotten credits do not reduce the fee. The offer end date on this card is October 31, 2026.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $599
- Estimated welcome bonus value
- up to $2,300
- Bonus minus fee (estimate)
- $1,701
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 $599-class Privilege card with a separate authorized-user charge. There is no first-year waiver on this card the way regular Eclipse Infinite currently advertises one.
The first-year snapshot on this page compares estimated welcome-bonus value with the headline fee — the welcome-value estimate is up to $2,300, which includes points, a NEXUS credit, a lifestyle credit, lounge visits, and a counted earn bump, not just spendable cash. Year one only looks good if you will use those pieces and you apply while the offer is still open (through October 31, 2026).
Year two is the full fee versus 5x on dining, travel, groceries, gas, and drugstore inside the annual caps, 1x on the rest, and the $200 anniversary lifestyle credit. If you would rather have 5% grocery cash back and can meet World Elite income, CashBack World Elite is simpler.
If you will not redeem points or fly enough to care about lounge passes, Privilege is an expensive way to shop. Additional cards are extra.
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 describe 5 points per dollar on dining (first $25,000 a year), travel such as airfare, hotels, and car rentals (first $25,000), groceries (first $20,000), gas (first $15,000), and drugstore purchases (first $15,000).
Caps are calculated each calendar year. Everything else, including purchases above the caps, earns 1 point per dollar.
Add an authorized user to earn 25% more points. Infinite now lists 5x on groceries, dining (including takeout), gas, and transit, 1x elsewhere, and a $50 lifestyle credit — drugstore and travel at 5x are what still separate Privilege, at a much higher fee.
Redeem for travel at 150 points = $1, or at 200 points = $1 on non-travel purchases, with Pay with Points. Merchant coding still applies: a warehouse club, a restaurant inside a hotel, or a travel booking that processes as general retail can miss the 5x bucket.
If you want cash back that does not need a catalogue, compare CashBack World Elite. If you want no-FX lounge visits in Scene+, that is Passport Infinite Privilege, a different bank and a different currency.
Welcome bonus: how to unlock it
Up to 200,000 BMO Rewards points / up to $2,300 in value
For applications received between December 15, 2025 and October 31, 2026, BMO advertises up to 200,000 BMO Rewards points and up to $2,300 in value. The points piece is worth up to $1,333 when redeemed for travel at 150 points = $1: 80,000 points when you spend $6,000 in net purchases within the first 110 days, another 40,000 when you spend $30,000 within the first 180 days, and another 80,000 when you spend $75,000 within the first 12 months.
The rest of the $2,300 is Visa Airport Companion membership with 6 complimentary lounge visits a year (BMO values up to $360), an up-to-$200 NEXUS statement credit in the first year, a $200 Anniversary Lifestyle Credit, and a potential 25% bonus earn rate when you add a supplementary card (BMO counts up to $233 of that inside the $2,300). There is also a 0% introductory rate on balance transfers for 12 months with a 2% transfer fee.
The offer is not available to current or former eclipse Visa Infinite Privilege 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.
Read BMO’s live terms before you assume a product-change from Eclipse Infinite pays, and check the date — this offer ends October 31, 2026. Do not force extra spend to chase bonus points if grocery, dining, and travel were not already in the budget.
Welcome bonus eligibility: Applications must be received between December 15, 2025 and October 31, 2026. Not available to current or former BMO eclipse Visa Infinite Privilege 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 Privilege Card worth it in 2026?
It is worth it when you want 5x BMO Rewards on a wide everyday-and-travel stack, will use lounge and NEXUS-style credits, meet the income bar, and apply before the October 31, 2026 offer end date on this card. It is not worth it if regular Infinite’s mix is enough, you wanted cash back, or you will not redeem points.
Eclipse Infinite Privilege vs Eclipse Visa Infinite?
Infinite currently lists 5x on groceries, dining (including takeout), gas, and transit, 1x on everything else, a $50 lifestyle credit, and a first-year fee waiver wrap, at a mid-fee Infinite income bar. Privilege currently lists 5x on a wider stack including drugstore and travel, plus 1x elsewhere, at a much higher fee and income bar.
Infinite is the mid-fee Eclipse. Choose Privilege only if that spending and income band is already your life.
Eclipse Privilege vs BMO CashBack World Elite?
CashBack World Elite pays grocery cash back as statement credits, at a World Elite income bar and a much lower fee. Privilege pays BMO Rewards points on a wider 5x stack and a premium welcome wrap. Choose CashBack if you want dollars. Choose Privilege if you want points, lounge, and the NEXUS-style credit, and you already bank at BMO in that currency.
Eclipse Privilege vs Scotiabank Passport Visa Infinite Privilege?
Passport Infinite Privilege is a no-FX Scene+ travel card with lounge visits. Eclipse Privilege is a BMO Rewards earner with 5x categories and a NEXUS/lounge welcome wrap, and foreign-currency purchases are converted at the payment network’s rate plus 2.50%.
Choose Passport if foreign-currency spend and Scene+ Travel are the point. Choose Eclipse if grocery, dining, and gas 5x and a BMO relationship are the point.
Does this card charge foreign-exchange fees?
Foreign-currency purchases are converted at the payment network’s exchange rate plus 2.50%. Eclipse Privilege 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 Eclipse Visa Infinite Card review · BMO · $120 annual fee
- BMO CashBack World Elite Mastercard review · BMO · $139 annual fee
- Scotiabank Passport Visa Infinite Privilege Card review · Scotiabank · $599 annual fee
