How do I unlock the full 70,000-point welcome bonus on the BMO eclipse Visa Infinite?

The 70,000 BMO Rewards points bonus is divided into several tiers. You earn 30,000 points after spending $4,000 in the first 110 days following account opening. You then earn an additional 20,000 points after spending $7,000 in the first 180 days, followed by another 20,000 points after reaching $12,000 in spending during the first 12 months. This structure rewards cardholders who use their card regularly throughout the first year.

Which rewards categories make the BMO eclipse Visa Infinite advantageous in the long term?

The card earns 5 points per dollar on groceries, restaurants, meal delivery, ridesharing, public transit, and gas, which is one of the broadest 5x combinations among Canadian Visa Infinite cards. Adding an authorized user for $50 unlocks a permanent 10% bonus on every point earned, effectively increasing your 5x categories to 5.5x. With a point value of approximately 0.667 cents in travel rewards, heavy spenders in the bonus categories often achieve a return above 3.3%, surpassing most cash-back Visa Infinite cards.

Is the $120 annual fee for the BMO eclipse Visa Infinite worth it after the first year?

The card includes an annual $50 credit for lifestyle services (streaming, fitness, mobile, meal delivery), which immediately reduces the net cost to $70. Adding a partner as an authorized user unlocks the permanent 10% bonus that typically generates more than $70 in additional value for cardholders spending $10,000 or more per year in the 5x categories. The travel insurance is solid for a Visa Infinite with emergency medical, trip cancellation, and rental car coverage. Most users easily justify renewal by actively using the lifestyle credit.

What income is required to qualify for the BMO eclipse Visa Infinite?

BMO requires a minimum annual personal income of $60,000 or household income of $100,000, which aligns with the Visa Infinite standard at major Canadian banks. An acceptable credit score is also required (typically 700 or higher) along with a clean record of recent applications with BMO. If you don't meet the income threshold, the BMO eclipse rise Visa with no annual fee is an excellent alternative with no minimum income requirement, featuring a 25,000-point welcome bonus that remains attractive for new cardholders.