BMO
BMO eclipse Visa Infinite Card
Welcome Bonus
Earn up to 80,000 BMO Rewards points
travel lifestyle dining groceries gas transit premium
Annual Fee
$120
We may earn a commission when you are approved for this card. This does not influence our ratings.
Quick Stats
Annual Fee
$120
Purchase APR
21.99%
FX Fee
2.5%
Card Type
visa
Rewards & Earning Rates
| Spending Category | Earn Rate |
|---|---|
| Groceries, dining, takeout, gas, transit, rideshare | 5 BMO Rewards points per $1 |
| All other purchases | 1 BMO Rewards point per $1 |
Welcome Bonus Details
Earn 40,000 points after you spend $3,000 in the first 3 months, and 2,500 bonus points per month for each of the first 12 months when you spend $2,000 per month. Plus $120 annual fee waived for first year.
Fees & Interest Rates
| Annual Fee | $120.00 |
| Additional Card Fee | $50.00 |
| Purchase Interest Rate | 21.99% |
| Cash Advance Interest Rate | 23.99% |
| Foreign Transaction Fee | 2.5% |
Pros & Cons
Pros
- Industry-leading 5x points on groceries, dining, gas, and transit
- Up to 80,000 points welcome bonus
- First-year annual fee waived ($120 value)
- $50 annual lifestyle credit
- 10% bonus points when you add authorized user
- 6 months complimentary Instacart+ plus $10 monthly credit
- Comprehensive travel and mobile device insurance
Cons
- $120 annual fee after first year
- Points worth less than cashback (0.67¢-1¢ per point)
- 2.5% foreign transaction fee
- Limited redemption flexibility compared to other points programs
- Best value requires BMO travel bookings
- Lower value for non-travel redemptions
Eligibility Requirements
Requires $60,000 personal or $100,000 household income OR minimum $15,000 declared current annual spend; good to excellent credit
Recommended Credit Score: 680+
Categories
Similar Cards You Might Like
TD Bank
TD Aeroplan Visa Infinite Card
Annual Fee $139
Welcome Bonus
$675
Type travel
CIBC
CIBC Aventura Visa Infinite Card
Annual Fee $139
Welcome Bonus
$675
Type travel