What the Card Offers
BMO markets the eclipse Visa Infinite as a lifestyle card: 5x points on groceries, dining, takeout, gas and transit, a $50 lifestyle credit every year, 10% more points with an authorized user, and a welcome offer it values at up to $1,150.
- 5x
Groceries, dining, gas and transit1
5 BMO Rewards points per dollar on everyday categories in Canada, up to annual limits per category.
- $50
Annual lifestyle credit2
A $50 statement credit each card year after any single purchase of $50 or more.
- +10%
More points with an authorized user3
Adding a supplementary card raises the earn rate by 10% for everyone on the account.
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- $5M
Travel emergency medical4
Up to $5,000,000 per person for the first 15 days of a trip, if you're 64 or younger.
- $1,000
Mobile device insurance4
Loss, theft or damage to a phone or tablet bought with the card.
- 70,000
Welcome bonus points5
Up to 70,000 points over the first year, plus streaming credits and a first-year fee waiver.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (5)
- BMO eclipse Visa Infinite product page, footnote 67 (retrieved 2026-10-18)
- BMO eclipse Visa Infinite product page, footnote 69 (retrieved 2026-10-18)
- BMO eclipse Visa Infinite product page, footnote 68 (retrieved 2026-10-18)
- BMO eclipse Visa Infinite Insurance Product Summary (CUMIS / Allianz Global Assistance)
- BMO eclipse Visa Infinite product page, footnote 66 (retrieved 2026-10-18)
Points & Redemption
Rates: BMO eclipse Visa Infinite product page, footnotes 64 and 66 (retrieved 2026-10-18); BMO Rewards Terms and Conditions 50391497, ss. 10, 11 and 15. The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less.
The Fine Print Report
Moderate fine print. A strong earn rate with low annual limits.
5x stops after $6,000 on groceries/diningImpact level: High
The 5x rate stops after $6,000 a year on groceries and on dining
The 5-point rate applies to the first $6,000 of purchases a year at grocery stores, the first $6,000 on dining, and the first $20,000 each on gas and transit, counted from January 1. After a category's limit, it earns 1 point per dollar until the new year.
Why it matters: A family spending $1,000 a month on groceries passes the grocery limit in June, so half its grocery spending earns 1x.
Medical: 15 days, none at 65+Impact level: High
Travel medical covers only 15 days, and nobody 65 or older
Emergency travel medical covers up to $5,000,000 per person for the first 15 days of a trip, but only if everyone covered is 64 or younger on the departure date. Conditions that weren't stable in the 90 days before departure aren't covered.
Why it matters: Anyone 65 or older, and anyone away longer than 15 days, needs separate travel medical insurance.
Bonus rates: Canadian merchants onlyImpact level: Medium
The bonus rates only apply at merchants located in Canada
The footnote limits the accelerated rate to grocery, dining, gas and transit purchases made at merchant locations in Canada, classified by the card network's merchant category code. The same kind of purchase made abroad, or at a merchant whose code puts it in a different category, earns the base rate.
Why it matters: A hotel or restaurant bill on a trip earns the base rate, not the bonus.
No trip cancellation or baggage coverImpact level: Medium
No trip cancellation, flight delay or baggage insurance
The card's travel insurance is limited to emergency medical (15 days, 64 or younger), common carrier accident and rental car damage. There's no trip cancellation or interruption, flight delay, baggage or hotel burglary coverage.
Why it matters: If you prepay trips, you'll need separate cancellation insurance.
Points: 0.67¢ on travel, 0.5¢ otherwiseImpact level: Medium
Points are worth 0.67 cents on travel and 0.5 cents on anything else, and only within 90 days of the purchase
Pay with Points credits your card for a purchase at 150 points per $1 if the merchant is classified as a travel merchant (airline, hotel, car rental, cruise, travel agency and similar), and 200 points per $1 for anything else. Purchases can only be covered up to 90 days after they're made, and point redemptions don't count toward your minimum payment.
Why it matters: The welcome bonus value BMO advertises assumes travel redemptions. Used for other purchases, the points are worth a quarter less.
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Full bonus needs $12,000 in 12 monthsImpact level: Medium
The full 70,000-point bonus needs $12,000 in purchases within 12 months
The welcome points come in stages, and the last and largest stage needs $12,000 in net purchases within 12 months of opening the account. Bonus points are credited up to 8 weeks after each stage is met, the account must be open and in good standing, and BMO may cancel the bonus if you close the card within 365 days. You're not eligible if you've held the same card before or are switching from another BMO card.
Why it matters: Plan the spending before you apply: falling short of a stage forfeits that stage entirely.
2.5% FX fee; refunds credited at a lower rateImpact level: Medium
Foreign currency purchases cost 2.5% extra, and refunds come back at a lower rate
Purchases in a foreign currency are converted at the network's rate plus 2.50%. Refunds are converted at the network's rate minus 2.50% on the day the refund posts, and BMO's agreement says the credit will in most cases be less than the original charge.
Why it matters: Every $1,000 spent in a foreign currency costs about $25 in fees, and a returned foreign purchase costs about the same again.
2 missed payments: 25.99% for a yearImpact level: Medium
Two missed payments in 12 months raise your rates to 25.99% and 28.99% for at least a year
If you miss your minimum payment and haven't paid it by the time the next statement is prepared, twice in any 12-month period, your rates rise to 25.99% on purchases and 28.99% on cash advances and balance transfers, for at least 12 months.
Why it matters: If you ever carry a balance, two late payments make it far more expensive. Automatic minimum payments avoid this.
Closure: BMO can take your depositsImpact level: Medium
BMO can close the account without notice, demand the full balance and take it from your BMO deposits
BMO may cancel your card or close the account at any time without telling you in advance. The total debt is then due immediately, and if you don't pay it, BMO may apply any money you have on deposit with it or its affiliates against the balance.
Why it matters: If your chequing or savings account is also at BMO, an unpaid balance can be taken from it directly.
Streaming credit needs $500 monthly spendImpact level: Low
The $20 monthly streaming credit needs $500 of spending each month and only covers certain services
The first-year credit only applies to Disney+, Netflix, Crave, TSN, SiriusXM, Fubo, Apple TV, DAZN and Spotify subscriptions billed directly by the provider as recurring payments, and only in months you spend at least $500. Bundles and subscriptions billed through app stores or other platforms don't qualify.
Why it matters: Of the $1,150 welcome value BMO advertises, up to $240 depends on meeting the monthly spending every month.
Income alternative: $15,000 or $25,000?Impact level: Low
The page and its FAQ give different spending thresholds for applicants without the income
The application box says you can qualify without the $60,000 income with $15,000 of declared annual spending. The page's FAQ says the alternative is $25,000 of spending in the last 12 months on your other credit cards.
Why it matters: If you're relying on the spending route to qualify, confirm the threshold with BMO before you apply.
Phone cover: depreciated value, 1 claim/yrImpact level: Low
Phone insurance pays the depreciated value, and allows one claim a year across all your BMO cards
Mobile device insurance pays up to $1,000, but a loss or theft claim is limited to the purchase price minus 2% for each completed month since you bought it, less a 10% deductible ($25 minimum). You can make one claim in any 12 months and two in any 48 months, and the limit applies to all your BMO cards with this coverage combined.
Why it matters: A two-year-old phone is covered for about half its price, less the deductible.
Points expire 90 days after closingImpact level: Low
After you close the card, points can only go to merchandise and gift cards, and expire after 90 days
Points don't expire while the account is open and in good standing. After cancellation you have 90 days to redeem them, for merchandise and gift cards only, or to move them to another BMO Rewards card. The welcome bonus is cancelled if you cancel within 30 days of being billed the annual fee and the fee is refunded.
Why it matters: Use your points on travel or statement credits before you close or downgrade the card.
Who This Card Is For
Great fit if you...
- Spend on groceries, dining, gas and transit in Canada
- Will add an authorized user
- Are under 65 and take short trips
Consider alternatives if you...
- Spend over $6,000 a year on groceries
- Are 65 or older and travel
- Want trip cancellation coverage
- Make foreign-currency purchases
Welcome Bonus History
BMO eclipse Visa Infinite Welcome Bonus History
The Verdict
The eclipse Visa Infinite earns 5 points per dollar on the everyday categories most households spend on, which works out to about 3.3% back when points go toward travel.
The $6,000 annual limits on groceries and dining arrive quickly, the bonus only applies in Canada, and travel insurance stops at 15 days and nobody 65 or older.
The Recommendation: A good everyday card if your grocery and dining spending is modest and you redeem points for travel.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer