BMO Eclipse Visa Infinite Credit Card
Quick Overview
The BMO Eclipse Visa Infinite Credit Card is a premium lifestyle and rewards-focused credit card built for Canadians who want strong daily earning potential, flexible points redemption, and modern lifestyle benefits. Designed for those who spend heavily on dining, groceries, gas, transit, and digital purchases, this card offers year-round value with competitive earn rates and a suite of Visa Infinite perks.
It also includes lifestyle credits, mobile device insurance, travel protections, and the ability to add an authorized user to boost reward accumulation. The combination of rewards, insurance, and Visa Infinite benefits makes this card ideal for urban professionals and families seeking elevated everyday spending rewards.
Key Specifications
- Annual fee: $120
- Authorized user fee: $50 per additional card
- Rewards rate:
- 5X BMO Rewards points on dining
- 5X on groceries
- 5X on gas
- 5X on transit
- 5X on digital streaming and services
- 1X on all other eligible purchases
- Welcome bonus: Varies by offer; typically includes a large first-year bonus plus annual fee waiver
- Lifestyle credit: $50 annual
- Visa Infinite benefits: Concierge, hotel perks, dining privileges, and exclusive event access
- Travel insurance: Included
- Purchase insurance: Included
- Mobile device insurance: Included
- Income requirement: $60,000 personal or $100,000 household
Welcome Bonus — How It Works
The BMO Eclipse Visa Infinite welcome offer varies annually but often provides a strong upfront value. Typical structures include:
- A large BMO Rewards points bonus earned after meeting a minimum spend in the first 3 months.
- First-year annual fee rebate for the primary cardholder.
- Additional bonus points for adding an authorized user.
These bonuses combined can provide several hundred dollars in travel or merchandise value, depending on redemption method. Points can be redeemed for travel, shopping, statement credits, or deposited into eligible accounts.
Rewards Structure and Value
This credit card is designed for users who want strong daily rewards on common spending categories.
- 5X points on dining and food delivery → ideal for frequent restaurant-goers
- 5X points on groceries → strong value for families or high grocery spenders
- 5X on gas and transit → optimized for commuters
- 5X on digital purchases → great for streaming services and online subscriptions
- 1X on everything else
BMO Rewards points generally offer solid value, and users can increase their return when redeeming for travel or applying points to eligible purchases.
Redemption value typically ranges from 0.67¢ to 1¢ per point, depending on method.
Redemption Options & Bonus Offers
Cardholders can redeem their BMO Rewards points in multiple flexible ways:
- Travel bookings
- Statement credits
- Merchandise and electronics
- Gift cards
- Investment contributions (depending on eligibility)
- Experiences and lifestyle rewards
BMO occasionally offers limited-time transfer bonuses or enhanced offers tied to specific reward categories or redemption types.
Digital Features & Account Management
The BMO Eclipse Visa Infinite provides modern digital banking and card management tools, including:
- Real-time transaction notifications
- Mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay)
- In-app reward tracking
- Spend analysis tools
- Digital card access before the physical card arrives
- Secure card lock/unlock functions
These features make it easy to track spending, manage rewards, and optimize monthly usage.
Insurance & Purchase Protections
This card offers a robust insurance suite that includes:
- Mobile device insurance
- Extended warranty protection
- Purchase protection
- Rental vehicle collision/damage coverage
- Trip interruption and cancellation insurance
- Travel emergency medical up to a limited amount
- Flight delay coverage
- Lost or delayed baggage protection
The inclusion of mobile device insurance is especially valuable, covering most new phones from theft, loss, or accidental damage.
Lifestyle Benefits & Visa Infinite Perks
Visa Infinite benefits set this card apart, adding premium lifestyle and travel value:
- Visa Infinite Concierge Service
- Exclusive dining experiences
- Preferred hotel rates
- Food and wine event invitations
- Airport lounge discounts via eligible programs
- Yearly $50 lifestyle credit to use flexibly toward dining, travel, or eligible purchases
This combination makes the card attractive for users who enjoy premium experiences and extra perks.
Fees and Interest Rates — The Tradeoffs
- Annual fee: $120
- Authorized user fee: $50
- Standard purchase APR: around 20.99%
- Cash advance APR: around 23.99%
While the annual fee is moderate, users can easily offset it with the $50 lifestyle credit and high earning potential on daily categories. Balances should be paid in full monthly to avoid high interest.
Pros and Cons
Pros
- Strong 5X earning categories across essential daily spending
- Includes a valuable $50 annual lifestyle credit
- Mobile device insurance included
- Flexible reward redemption options
- Visa Infinite premium benefits
- Ideal for families and urban users
Cons
- Annual fee not waived every year
- Lower earn rate (1X) on non-bonus purchases
- Income requirement may exclude some applicants
Who Should Apply?
The BMO Eclipse Visa Infinite Credit Card is ideal for:
- Users who spend heavily on dining, groceries, gas, transit, and digital services
- Families with high monthly household expenses
- Urban professionals who commute regularly
- Users who want premium perks without a premium-fee luxury card
- Individuals who appreciate flexible reward options
It is less suitable for those who primarily want cash-back rewards or who prefer a no-fee credit card.
Final Verdict
The BMO Eclipse Visa Infinite Credit Card delivers a compelling mix of high daily earn rates, digital conveniences, Visa Infinite perks, and lifestyle credits. With strong rewards on essential categories and a solid welcome bonus, it provides year-round value for users with medium-to-high monthly spending.
If you’re looking for a premium-feel card without luxury-level fees, the Eclipse Visa Infinite is an excellent choice.