7 Reasons to Get the BMO Eclipse Visa Infinite Card

A good credit card that suits your spending habits and your rewards desires is an important part of just about everyone’s financial journey.

With its compelling welcome offers, impressive earning rates, and diversity of redemption options, the BMO eclipse Visa Infinite* Card makes it easy for cardholders to save on day-to-day expenses, special treats, travel, and more.

In this article, we share 7 great reasons to choose BMO Rewards and the BMO eclipse Visa Infinite* Card as the next credit card that you add to your wallet.

Voyage en famille : planifier et payer moins cher

1. Attractive Welcome Offers

Many credit cards offer new cardholders the chance to earn a generous stack of points when they first sign up and meet a spending requirement, and the BMO eclipse Visa Infinite* Card is no different.

This is why our first reason for being fans of this card is its habit of providing attractive welcome offers that can help you fast-track your way to impressive savings and redemptions.

Additionally, the BMO eclipse Visa Infinite* Card often includes a first-year annual-fee waiver for new cardholders, which gives you another $120 in savings!

Check out the card’s current welcome offer and details in the graphic just below:

Compare

BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $589Milesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 70,000 points

citation
John

Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

5xRestaurants
5xGas & EV
5xGroceries
5xTransit
1xAll spending

Value

1st Year Value$1,128

2nd Year Value$365

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

2. Strong Earning Rates

Another great aspect of the BMO eclipse Visa Infinite* Card is its strong earning rates on key spending categories.

With this card, you earn 5 BMO Rewards points per $1 spent on groceries, gas, dining, and transit, and 1 BMO Rewards point per $1 spent on all other purchases.

This means that if you spend $1,000 each month across these 4 elevated earning categories, you’d build up your account balance by 5,000 points monthly, netting you at least 60,000 points each year!

That said, with these elevated earning rates, it’s important to note that there are limits to how much you can spend while earning the 5x points:

Specifically, the category spending thresholds are as follows:

Dining: 5x on the first $6,000 in purchases annually, then 1x per $1 spent
Groceries: 5x on the first $6,000 in purchases annually, then 1x per $1 spent
Gas: 5x on the first $20,000 in purchases annually, then 1x per $1 spent
Transit: 5x on the first $20,000 in purchases annually, then 1x per $1 spent

The BMO eclipse Visa Infinite* Card also has the added opportunity to earn 10% more points on all purchases when you add an authorized user to your account, giving you even more ways to earn.

3. Flexible Redemption Options

Once you’ve earned a handful of BMO Rewards points (which won’t be difficult given the welcome offers and earning rates mentioned above!), then you get to enjoy the multiple different redemption options available through the BMO Rewards program.

Through this program, you can use your account balance in the following ways:

Pay with Points (non-travel expenses): Use your points to cover daily expenses like groceries, gas, clothing, and more, at a rate of 200 points = $1.
Pay with Points (travel expenses): BMO Rewards points can be redeemed for eligible travel expenses made on the card at a rate of 150 points = $1.
Merchandise: Save on select merchandise through the BMO Rewards portal. The available value varies, but we’ve seen redemptions for a rate of around 200 points = $1.
Gift cards: Redeem your points for gift cards to use with some of your favourite merchants. For example, you can exchange 23,000 points for a $100 gift card to select retailers.
Savings and investments: Build up your eligible savings and investment accounts at a rate of 15,000 = $100.

4. $50 Annual Lifestyle Credit

As a BMO eclipse Visa Infinite* cardholder, you also get to enjoy an annual $50 Lifestyle Credit to use any way you like.

One of our favourite things about this credit is that it’s incredibly easy to access. Rather than having to make a specific type of purchase, the credit will actually just appear on your statement within two statement cycles after you make a single purchase that’s over $50.

No need to spend in a certain category or by a certain date. Just make a purchase that’s $50+ and you’ll see the credit on your account not long after.

5. $20 Monthly Streaming Credit

Another fantastic way that the BMO eclipse Visa Infinite* Card saves you money is with its $20 monthly streaming credits during your first year.

These credits will be automatically added to your statement each month throughout the first year, as long as you have an eligible media bill of $20 or more.

This means that you can save up to $240 in your first year on streaming subscriptions like Netflix, Crave, Disney+, and more, making access to entertainment more affordable!

6. Insurance Coverages

The sixth reason why we love the BMO eclipse Visa Infinite* Card is its many helpful insurance offerings.

By holding the BMO eclipse Visa Infinite* Card, you can enjoy the following coverage:

Out of province/out of country emergency travel medical insurance (up to $5 million per insured person) for up to 15 consecutive days
Common carrier insurance
Car rental – collision loss/damage insurance
Mobile device insurance
Purchase protection and extended warranty

7. Extra Perks and Benefits

Our final reason for recommending the BMO eclipse Visa Infinite* Card is that it comes with a handful of perks and benefits that can help you save money and get a little extra out of your travel and entertainment experiences.

First, as a cardholder, you can enroll for 6 months of complimentary Instacart+ and get a $10 monthly Instacart credit to keep some of your grocery budget in your pocket.

Additionally, since it’s a Visa Infinite card, the BMO eclipse Visa Infinite* Card gives you access to a roster of benefits, such as:

Access to the Visa Infinite Luxury Hotel Collection, through which you can enjoy perks like free breakfast, late check-out, and more
Exclusive fine dining opportunities with Visa Infinite Dining Series
Visa Infinite Concierge – to smooth out your travel and dining experiences
Visa Infinite Troon Golf Benefit for discounts at nearly 100 resorts/courses around the world

Bottom Line

As you can see from the above 7 reasons, the BMO eclipse Visa Infinite* Card is a valuable lifestyle card, offering high earning rates, statement credits, strong welcome offers, and more.

Whether you’re looking to save on day-to-day expenses and travel, or you like the idea of redeeming your points for an added boost to your savings and investments, this card can help you reach your goals.

Before you apply, check the current welcome offer for the BMO eclipse Visa Infinite* Card: it can reach up to 80,000 BMO Rewards points and includes a first-year annual fee waiver.

Alternatively, if you’re not sure that this is the card for you, or you’re looking for a card with a few more travel perks (like free airport lounge access!), check out the following articles to explore another excellent BMO Rewards credit card:

FAQs

What is the annual fee for the BMO Eclipse Visa Infinite Card?

The annual fee for the BMO eclipse Visa Infinite* Card is $120; however, this fee is sometimes waived for the first year.

What is the minimum income requirement for the BMO Eclipse Visa Infinite Card?

To be eligible for the BMO eclipse Visa Infinite* Card, you need a minimum income of either:

$60,000 individual or
$100,000 household, or
$15,000 in declared current annual card spend

What is the $50 lifestyle credit that comes with the BMO Eclipse Visa Infinite Card?

The $50 lifestyle credit that comes with the BMO eclipse Visa Infinite* Card is an automatic credit that cardholders can enjoy each year. To earn the credit, you just need to make a single purchase of $50 or more, and you’ll see the $50 credit added to your statement within two billing cycles.

What earning rates does the BMO Eclipse Visa Infinite Card offer?

The BMO eclipse Visa Infinite Card earns 5 BMO Rewards points per $1 spent on groceries, restaurants, gas and transit (with annual category caps), plus 1 point per $1 on all other purchases. Adding an authorized user gives you a 10% bonus on all points earned. With a $20 monthly streaming credit (up to $240 in the first year) and a $50 annual lifestyle credit, this card delivers strong value for households with significant grocery and dining spending.

FeaturedCompare

Marriott Bonvoy^® American Express^®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuation: $990Milesopedia first-year estimate First-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 110,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy^® American Express^®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy^® points with the current offer:

Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.