🔆 BMO eclipse Visa Infinite* Card Review — A Top Card for Everyday Rewards

If you’re shopping for a rewards card that combines strong earn rates on dining, groceries, transit, and gas with flexible point redemption and lifestyle perks, the BMO eclipse Visa Infinite Card* might just fit the bill. Designed for urban professionals and savvy everyday spenders, it offers value—and a waived first‑year fee—to help build momentum from day one.

Let’s break it all down so you can decide if it’s the right match for your spending habits and goals.

💡 At a Glance

• Annual Fee: $120 (waived for the first year)

• Welcome Bonus: Up to 60,000–70,000 BMO Rewards points (~$450–$467 travel value)

• Reward Rates:

  • 5× points on dining, food delivery, groceries, gas, and daily transit

  • 1× point on all other purchases

• Insurance: Emergency medical, rental car collision/loss, purchase protection, extended warranty, mobile device insurance ($1,000 limit)Other Perks: $50 annual lifestyle credit, 10% more points for authorized users, Visa Infinite benefits like hotel upgrades, concierge access, dining events, golf perks, and Shell fuel discount (AirMiles)

🎁 Welcome Bonus: Easy to Earn, Good Value

New cardholders can earn up to 60,000–70,000 BMO Rewards points, worth approximately $450–$467 in travel value. The offer includes a waived annual fee for the first year plus a modest lifestyle credit.

➡️ BMO regularly sets spending thresholds—such as $3,000 in the first 3 months plus monthly minimums—to unlock the full bonus.

💳 Rewards Earnings: 5× on the Basics

Earn 5 BMO Rewards points per $1 on everyday essentials:

• Dining and food delivery (Uber Eats, Skip, etc.)

• Grocery stores

• Gas stations

• Transit, rideshares, and taxis

Caps apply annually, including:

• Dining: first $25,000

• Travel/gas/grocery/transit categories: up to $15,000–$25,000 per category

All other purchases earn 1 point per $1.

A bonus perk: Add an authorized user and earn 10% more points on your spending.

💱 Points Redemption: Built for Flexibility

BMO Rewards points can be redeemed in several ways, ranked by value:

1. Travel bookings (flights, hotels, packages) for top value

2. Statement credits or bill payment

3. Gift cards and merchandise

While redeeming for travel offers the best value (~0.007 CAD/point), everything else provides reduced worth.

🛡️ Insurance & Protections: Solid Coverage

For a mid-range card, the Eclipse includes:

• Up to $1,000 mobile device insurance

• Emergency medical insurance outside your province

• Car rental collision & theft coverage

• Purchase protection (90 days) and extended warranty (1 additional year)

• Common‑carrier accident insurance

Notably, some travel perks like flight delay or baggage delay insurance may be more limited than on premium cards.

🎀 Lifestyle Perks & Visa Infinite Benefits

✅ $50 Annual Lifestyle Credit

Automatically applied each year, usable however you like.

✅ Visa Infinite Extras:

• Luxury Hotel Collection access (free breakfast, upgrades)

• 24/7 Concierge services

• Visa Infinite Dining Series events and wine experiences

• Troon golf discounts and event access

• Shell fuel discounts and AirMiles offers for cardholders

⚠️ Pros & Cons

👍 Pros

• High earn rate on core everyday spending categories

• Waived first-year fee + welcome bonus worth ~$450–$467

• Annual lifestyle credit offsets the cost

• Earn more points via authorized user

• Rich Visa Infinite perks & travel protections

• Mobile device coverage included

👎 Cons

• Annual fee ($120) after year one

• Points value modest (~$0.007/point) if redeemed outside travel

• Category spend caps limit maximum earn in high-volume areas

• Income requirement: $60K personal or $100K household OR $15K declared annual card spend

👤 Who Should Apply?

Best suited for urban professionals or millennial spenders who:

• Spend heavily on food, groceries, gas, and transit each month

• Are comfortable with Visa and looking for lifestyle perks as well as travel value

• Prefer strategic everyday earning over luxury travel bonuses

• Want a monthly staple card, not just a travel‑centric card

🧮 Sample Rewards Calculator: Real‑World Scenario

That nets $675+ in travel value annually, not including points earned from welcome bonus and lifestyle credit.

🧭 CreditAssess.ca Verdict

The BMO eclipse Visa Infinite Card* delivers excellent everyday value if your spending aligns with dining, groceries, transit, and gas. With travel‑optimized redemption and solid insurance coverage, it offers more reward for routine purchases than almost any card in its fee tier.

⭐ Final Score

Overall Rating: 4.4 / 5

Please note that the information provided on this site is not intended to be construed as professional or financial advice. For the latest and most accurate information on rates, terms, and conditions, kindly refer to the official webpage of the credit card.