70,000 BMO Rewards points
Apply Now†Terms and conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
$839
First-year value
70,000
BMO Rewards points
$120
Annual fee
First Year Free
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of BMO Rewards points at 0.67 cents per point.
30,000 BMO Rewards points upon spending $4,000 in the first four months
20,000 BMO Rewards points upon spending $7,000 in the first six months
20,000 BMO Rewards points upon spending $12,000 in the first year
Total of up to 70,000 BMO Rewards points
Dining
Everything Else
Last updated: February 13, 2026
The BMO eclipse Visa Infinite* Card offers a high welcome bonus, along with an extremely competitive earning structure of 5 points per dollar spent on dining, gas, groceries, and drugstores.
The $50 annual credit also goes a long way towards offsetting the annual fee.
Canada’s 7 Best BMO Credit Cards
Read moreThe BMO eclipse Visa Infinite* Card offers a welcome bonus of up to 70,000 BMO Rewards points, distributed as follows:
All bonus points are awarded up to eight weeks after each spending milestone is met, and your account must remain open and in good standing to receive them.
The card comes with an annual fee of $120, which is waived for the first anniversary. Supplementary cards can be added for an annual fee of $50 apiece.
The BMO eclipse Visa Infinite* Card launches with the following earning rates:
The accelerated earn rate applies to the following annual purchase limits, calculated from January 1st to December 31st each year:
For greater clarity, the bonus categories are defined as follows, and are limited to purchases made in Canada:
The 5x return on these five categories is among the strongest in Canada, putting the BMO eclipse Visa Infinite* Card (as well as its Visa Infinite Privilege counterpart) right up there alongside the Cobalt Card and the Scotiabank Gold American Express® Card as the only 5x-earning Canadian credit cards.
Since BMO Rewards points are valued at 0.67cpp as outlined above, the return of 5x BMO Rewards points can also be thought of as a very competitive 3.35% return on these categories.Moreover, as an introductory benefit, if you add a supplementary card to your BMO eclipse Visa Infinite* account, you'll receive a 10% boost to the earning rates, which is the first credit card feature of its kind in Canada. As a result, you'll enjoy the following elevated earning rates.
However, on purchases outside of these five categories, the BMO eclipse Visa Infinite* only offers 1 point per dollar spent. This is therefore equivalent to a 0.67% return on spending, so this wouldn't really be the strongest card for day-to-day spending outside of the bonus categories.
†Terms and conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
70,000 BMO Rewards points
Apply Now†Terms and conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
Last updated: February 13, 2026
BMO Rewards points are worth 0.67 cents per point (cpp) when redeemed against the cost of travel booked via the BMO Rewards online portal (at a fixed rate of 150 BMO Rewards points = $1).
As such, the full welcome bonus of 70,000 points can be redeemed for up to $467 in travel, assuming you redeem at the travel rate.
BMO Rewards points can also be redeemed at 0.5cpp against any statement purchase (at the rate of 200 BMO Rewards points = $1), but the value in doing so is clearly not as strong, so you should always aim to use your BMO Rewards points to book travel, if possible.The card’s standout benefit is the $50 annual lifestyle credit, which is triggered by a single purchase of $50 or more once per annual period. The credit posts after the account anniversary date and helps offset the card’s annual fee.
In addition, the card may offer monthly streaming subscription credits of up to $20 per month (to a maximum of $240 in the first year), subject to minimum monthly spending requirements and eligible merchant categories.
The BMO eclipse Visa Infinite Card* also includes Instacart-related benefits, which add real, everyday value if you already use grocery delivery.
Primary cardholders are eligible for:
Like BMO's other premium travel credit cards, the BMO eclipse Visa Infinite* boasts an outstanding insurance package, including:
Emergency medical insurance
Car rental insurance and Collision Damage Waiver benefits, which allow you to save on the insurance fees that car rental companies usually charge
The most powerful part of the travel insurance benefits is that all of these benefits are valid as long as you charge the full or partial cost of the trip to your BMO eclipse Visa Infinite* Card.
This is a benefit which is unique to BMO's suite of travel credit cards, making it an ideal card for whenever you’re travelling on points or award tickets. As long as you charge the taxes and fees of your trip to the card, you’re fulfilling the “partial cost” criterion and therefore eligible to receive insurance coverage on your trip.
Which Credit Cards Offer Insurance on Award Travel?
Read moreFurthermore, as a card geared towards the modern frequent traveller, the BMO eclipse Visa Infinite* Card also comes with the following additional perks:
$480 cash back
