Turn food, fuel and transit into elevated BMO Rewards points.
Accelerated rewards on everyday categories
Earn 5x BMO Rewards points on groceries, dining, gas and transit purchases in Canada, up to annual category limits.
Valuable welcome offer with first-year fee rebate
Get up to 60,000 bonus points, a first-year annual fee rebate and a $50 lifestyle credit, worth up to several hundred dollars.
Lifestyle credit and 10% bonus with an extra card
Receive a $50 annual lifestyle statement credit and a 10% points boost when you add at least one authorized user.
Robust insurance and Visa Infinite privileges
Enjoy mobile device coverage, travel and purchase insurance, plus Visa Infinite concierge, hotel, dining and golf benefits.
A Lifestyle Rewards Card Built Around How Canadians Actually Spend
The BMO eclipse Visa Infinite Card is designed for Canadians who put a big share of their budget into food, fuel and getting around. Instead of focusing only on travel, it rewards the everyday categories that show up on nearly every monthly statement: groceries, dining in and out, gas and daily transit. You earn 5 BMO Rewards points for every dollar spent in these categories at eligible merchants in Canada, up to annual limits for each category, and 1 point per dollar on all other purchases. This structure makes it easy for families and commuters to accumulate points quickly without changing their spending habits too much.
New cardholders can take advantage of a welcome package that can be worth several hundred dollars in the first year. This typically includes up to 60,000 bonus BMO Rewards points when you meet spending thresholds in the first year, a rebate of the $120 primary annual fee for year one and an annual $50 lifestyle statement credit you can use toward virtually any purchase that fits your life. For a household that spends heavily on groceries and commuting, the combination of boosted earn rates and upfront bonuses can add up quickly and help offset everyday costs or special purchases.
The card also carries the Visa Infinite badge, which unlocks premium extras that go beyond points. You get access to the Visa Infinite Luxury Hotel Collection with room upgrades when available, late check-out and on-property credits, as well as the Visa Infinite Dining Series, wine-country benefits, golf offers and a 24/7 concierge that can help with restaurant bookings, trip ideas or special occasions. These perks are especially attractive if you enjoy travel, dining out or planning memorable experiences, but don’t want to pay for a separate premium travel card.
Protection is another core part of the value proposition. The BMO eclipse Visa Infinite Card includes extended warranty and purchase security on eligible items, out-of-province/out-of-country emergency medical insurance, common carrier coverage, rental car collision and loss damage insurance and mobile device insurance up to $1,000 for eligible phones and tablets when the full cost or a financed plan is charged to the card. Knowing that your trips, purchases and smartphone have an extra layer of security can make it easier to use the card for major expenses and travel bookings with confidence.
In return for this package, you pay a $120 annual fee starting in the second year, plus $50 per additional cardholder, and face standard premium-card interest rates of around 21.99% on purchases and higher rates on cash advances. There is also a minimum income requirement of $60,000 individual or $100,000 household, or a declared annual spend of at least $15,000, so the card is geared to mid-to-higher income Canadians. For households that meet the eligibility criteria and pay their balance in full, the BMO eclipse Visa Infinite Card offers a compelling mix of everyday rewards, lifestyle perks and strong protections.
Ready to Turn Everyday Spending into Premium-Level Rewards?
If your monthly budget is dominated by groceries, dining out, gas and commuting, the BMO eclipse Visa Infinite Card can transform those routine purchases into a meaningful stream of BMO Rewards points and lifestyle perks. Each grocery run, fuel stop or transit pass renewal becomes an opportunity to earn 5x points in Canada, while your other purchases continue to build your balance at 1 point per dollar. When you add the potential to earn up to 60,000 bonus points in the first year, have your $120 annual fee rebated and receive a recurring $50 lifestyle credit, the card’s total value can significantly outweigh its ongoing costs for many Canadian households.
Beyond rewards, the card helps you worry less about “what ifs” thanks to built-in protections. Emergency medical insurance for eligible trips, common carrier coverage, rental car collision and loss damage insurance, purchase protection and extended warranty all work together to safeguard both your travels and your big-ticket purchases. Mobile device insurance up to $1,000 adds another layer of reassurance in a world where smartphones are essential and expensive to replace. Knowing that your card has your back can make it easier to book trips, rent vehicles and upgrade devices without second-guessing every decision.
On the lifestyle side, the Visa Infinite program elevates your experiences with access to the Luxury Hotel Collection, curated dining events, wine-country benefits, golf offers and a 24/7 concierge. Whether you are planning a special night out, booking a weekend escape or organizing a family vacation, these perks can quietly enhance your plans without requiring extra effort. For many Canadians, this combination of practical rewards and premium touches feels like a sweet spot between everyday usefulness and aspirational benefits.
Of course, the BMO eclipse Visa Infinite Card is not the right fit for everyone. It shines brightest if you meet the income or spend requirements, pay your balance in full each month and can channel a substantial portion of your spending into the 5x categories. If you tend to carry a balance, the interest charges will quickly outweigh the rewards, and a lower-rate or no-fee card may be more appropriate.
If the benefits match your habits, your next step is simple: review a few recent months of statements, estimate how much of your spending falls into groceries, dining, gas and transit, and compare the potential value against the annual fee starting in year two. Then visit BMO’s official site, review the latest details and click the Apply now for the BMO eclipse Visa Infinite Card button to start your application. Used strategically and paid off each month, this card can become a powerful, premium-feeling rewards engine in your wallet.