BMO eclipse Visa Infinite
BMO Rewards0.7¢ exact
$120 annual fee (waived yr 1)
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BMO's flagship rewards card with 5x on groceries, dining, gas, and transit. The $50 annual lifestyle credit (which arrives as 5,000 BMO Rewards points) brings the effective fee down to $70. BMO Rewards redeem at roughly 1 cpp, so the realistic CPP ceiling is lower than transferable point programs.
Earn Rates
🛒 Groceries — Amex accepted5x🍽️ Dining5x⛽ Gas5x🚇 Transit5x·Everything else1x
💡 5x on groceries, dining, gas, and daily transit. 1x on all other purchases. BMO Rewards redeem at approximately 1cpp via travel.
Annual Benefits
$50 annual lifestyle credit
Value: $50 first year
Welcome Bonus
Smart Bonus Strategy — Earn 34,000 points
See spend breakdown below
Minimum spend bonus
Spend $4,000 in 4 months
optimal stop30,000 pts × 0.7¢+$201Min. spend earnings4,000 pts × 0.7¢+$27
Annual benefits$50 annual lifestyle credit+$50
Annual fee (waived yr 1)$0
Net first-year value+$278
Not Included in Smart Bonus Strategy
20,000 after $7,000 within 180 days
Spend $3,000 in 6 months
Only 4.5% return — optimal tier earns 6.9%
20,000 pts × 0.7¢+$13420,000 after $12,000 within the first year
Spend $5,000 in 12 months
Only 2.7% return — optimal tier earns 6.9%
20,000 pts × 0.7¢+$134Compare to Similar Cards
BMO Ascend World Elite Mastercard
BMO Rewards0.7¢ exact
$150 annual fee
you could earn$408
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