BMO eclipse Visa Infinite Privilege
BMO Rewards0.7¢ exact
$599 annual fee
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Top-tier BMO Rewards card with 5x on groceries, dining, gas, drugstore, and travel. Includes a $200 annual lifestyle credit and lounge access. The high earn rates on everyday spend make this a serious option for high spenders who can absorb the $599 annual fee.
Earn Rates
🛒 Groceries — Amex accepted5x🍽️ Dining5x⛽ Gas5x✈️ Travel5x💊 Drugstore5x·Everything else1x
💡 5x on groceries, dining (including takeout), gas, healthcare and drugstore purchases, and travel. 1x on all other purchases.
Annual Benefits
$200 Lifestyle credit, Lounge access, mobile device insurance, premium insurance
Value: $200 first year
Welcome Bonus
Smart Bonus Strategy — Earn 86,000 points
See spend breakdown below
Minimum spend bonus
Spend $6,000 in 4 months
optimal stop80,000 pts × 0.7¢+$536Min. spend earnings6,000 pts × 0.7¢+$40
Annual benefits$200 Lifestyle credit, Lounge access, mobile device insurance, premium insurance+$380
Annual fee-$599
Net first-year value+$357
Not Included in Smart Bonus Strategy
40,000 points after $30,000 within 180 days
Spend $24,000 in 6 months
Only 1.1% return — optimal tier earns 6.0%
40,000 pts × 0.7¢+$26880,000 points after $75,000 within the first year
Spend $45,000 in 12 months
Only 1.2% return — optimal tier earns 6.0%
80,000 pts × 0.7¢+$536Compare to Similar Cards
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