RewardsVisa

BMO eclipse Visa Infinite Card

BMO

Everyday rewards card with 5X on groceries, gas, transit, dining, and food delivery - great for everyday spending.

The BMO eclipse Visa Infinite Card is a BMO Visa card with a $120 annual fee. It earns 5 BMO Rewards points per $1 on Groceries. Listed welcome offer value: Up to $1,150.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee: $120
Purchase interest rate: 21.99%
Cash advance rate: 23.99%
Earn rates: 5 BMO Rewards points per $1 on Groceries; 5 BMO Rewards points per $1 on Gas, public transit, rideshare (Uber/Lyft); 5 BMO Rewards points per $1 on Dining out/drinks (restaurants, pubs, cafés); 5 BMO Rewards points per $1 on Takeout & food delivery (UberEats, DoorDash); 1 BMO Rewards point per $1 on All other purchases
Welcome offer: Up to $1,150
Foreign transaction fee: 2.5%
Income requirement: $60,000 personal, or $100,000 household

How this score is calculated

Formula

Net annual value(50%)4.7
Welcome bonus(15%)5.0
Foreign transaction fee(10%)2.5
Insurance & perks(15%)1.3
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$120

Purchase Interest Rate

21.99%

Cash advance: 23.99%

Minimum Income

$60,000 personal

or $100,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The BMO eclipse Visa Infinite Card earns 5 BMO Rewards points per $1 on Groceries.

Groceries

5 BMO Rewards points per $1

Gas, public transit, rideshare (Uber/Lyft)

5 BMO Rewards points per $1

Dining out/drinks (restaurants, pubs, cafés)

5 BMO Rewards points per $1

Takeout & food delivery (UberEats, DoorDash)

5 BMO Rewards points per $1

All other purchases

1 BMO Rewards point per $1

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $1,150.

Up to $1,150 value: Up to 70,000 bonus points (30,000 with $4,000 in 110 days; +20,000 with $7,000 in 180 days; +20,000 with $12,000 in 12 months) plus up to $240 streaming credit (first year), $120 fee waiver, $50 anniversary lifestyle credit

Value: Up to $1,150

Applications Dec 15, 2025 - Oct 31, 2027

Pros

5X on groceries, gas, transit, dining, food delivery
Strong 70,000 point welcome bonus
$50 annual lifestyle credit
Streaming credits in first year
First year fee waived

Cons

$120 annual fee after first year
1X on non-bonus purchases is modest

What perks are included?

5X on groceries, gas, transit, dining, food delivery
$50 annual lifestyle credit
Up to $20/month streaming credit ($240 max first year)
Instacart+ 6 months + $10/month credit
+10% more points when adding authorized user
Visa Infinite benefits

What insurance is included?

Travel Emergency Medical – Up to $5M, 15 days per trip

Common Carrier Insurance

Rental Car Insurance – Collision/loss damage

Frequently asked questions

What is the annual fee on the BMO eclipse Visa Infinite Card?

The BMO eclipse Visa Infinite Card has a $120 annual fee.

What rewards does the BMO eclipse Visa Infinite Card earn?

5 BMO Rewards points per $1 on Groceries; 5 BMO Rewards points per $1 on Gas, public transit, rideshare (Uber/Lyft); 5 BMO Rewards points per $1 on Dining out/drinks (restaurants, pubs, cafés); 5 BMO Rewards points per $1 on Takeout & food delivery (UberEats, DoorDash); 1 BMO Rewards point per $1 on All other purchases