Overview
The BMO eclipse Visa Infinite is BMO's flagship everyday rewards card — and one of the strongest contenders in the Canadian mid-tier travel card space. It earns 5x BMO Rewards points per $1 on the categories most Canadians spend the most on: groceries, gas, transit, dining, and takeout. On everything else, you earn 1 point per $1.
At $120/year (waived in the first year), this card packs a lot of value. The up to 70,000-point welcome bonus is one of the largest in its class, and the ongoing perks — a $50 annual lifestyle credit, 10% bonus points for adding an authorized user, and $20/month in streaming credits during the first year — make it easy to offset the annual fee. You also get solid travel insurance including emergency medical coverage up to $5 million and rental car insurance.
BMO Rewards points can be redeemed for flights, hotels, car rentals, vacation packages, statement credits via Pay with Points, or contributions to a BMO savings or investment account. At BMO's standard travel redemption rate of 150 points = $1, the 5x earning on bonus categories translates to roughly 3.33% back in travel value — competitive with cards like the CIBC Aventura Visa Infinite and TD First Class Travel Visa Infinite.
Welcome Offer
BMO is offering one of the richest welcome packages for a $120/year card — up to $1,150 in total first-year value:
- 30,000 BMO Rewards points after spending $4,000 in the first 110 days
- 20,000 BMO Rewards points after spending at least $7,000 in the first 6 months
- 20,000 BMO Rewards points after spending at least $12,000 in the first year
- $20/month streaming subscription credit in the first year ($240 total)
- $50 anniversary lifestyle credit
- First-year annual fee waived — $120 rebate
That's up to 70,000 bonus points (~$467 in travel value) plus $290 in credits, with the fee waived.
How to Earn
The BMO eclipse Visa Infinite uses a tiered earning structure based on spending category:
| Category | Earn Rate |
|---|---|
| Groceries | 5 points per $1 spent |
| Gas | 5 points per $1 spent |
| Transit & rideshare | 5 points per $1 spent |
| Dining | 5 points per $1 spent |
| Takeout & food delivery | 5 points per $1 spent |
| All other purchases | 1 point per $1 spent |
Bonus: Add an authorized user ($50/year) and earn 10% more points on all purchases — both yours and theirs.
How to Redeem
BMO Rewards points are flexible and can be redeemed for:
- Travel — flights, hotels, car rentals, cruises, and vacation packages with any travel provider (150 points = $1)
- Pay with Points — apply points directly to statement purchases
- Savings & investments — redeem points as a contribution to a BMO savings or investment account
- Merchandise — browse the BMO Rewards online catalogue
Insurance & Benefits
The BMO eclipse Visa Infinite includes solid travel protection:
- Emergency medical insurance — up to $5 million per insured person, per trip (up to 15 consecutive days)
- Common carrier insurance — coverage for accidents on public transportation
- Rental car collision/loss damage insurance — decline the rental counter's coverage
You can also top up your coverage with BMO Travel Insurance for longer trips.
Lifestyle Perks
- $50 annual lifestyle credit — statement credit every year, use however you want
- Instacart+ — 6 months free plus $10 monthly Instacart credit
- BMO PaySmart — break large purchases into smaller monthly payments at a low cost
- Credit Coach — free 24/7 credit score monitoring
Who Is This Card For?
The BMO eclipse Visa Infinite is ideal for:
- Canadians who spend heavily on groceries, gas, transit, dining, and takeout
- Those who want a single card with strong everyday earning and travel insurance
- Anyone looking for a massive welcome bonus with a first-year fee waiver
- Cardholders who want flexible redemption — travel, statement credits, or savings contributions
Bottom Line
The BMO eclipse Visa Infinite is a top-tier everyday rewards card that competes directly with the CIBC Aventura Visa Infinite and TD First Class Travel Visa Infinite. The 5x earning on five bonus categories is one of the broadest accelerated rate structures in Canada, the 70,000-point welcome bonus is generous, and the lifestyle credits help offset the $120 annual fee. The main trade-offs are the 2.5% foreign transaction fee and no airport lounge access — if those matter to you, consider the Scotiabank Passport Visa Infinite or BMO Ascend World Elite Mastercard instead.
