The ClearFin bottom line
⛽ Best Gas Card
Its strongest published earn rate in our data is 3.3% on dining. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · BMO
BMO Eclipse Visa Infinite
Start with up to $1,150 in value including up to 70,000 bonus points.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- BMO Points
- Welcome offer
- 1,150 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
$120cash rebate*
⛽ Best Gas Card
⛽ Best Gas Card
Welcome bonus
Up to $1,150 in value including up to 70,000 bonus points
How to earn it
- 40,000 bonus pointsSpend at least $3,000 within the first 3 months after account opening.
- 30,000 bonus pointsSpend at least $2,000 in each monthly statement period from month 4 through month 12.
- Up to $240 in streaming creditsReceive a $20 monthly streaming subscription statement credit during the first year when eligible spending requirements are met.
- First-year annual fee waiverThe $120 annual fee is waived for the first year.
- $50 Anniversary Lifestyle CreditReceive a $50 lifestyle statement credit after meeting the anniversary credit requirements.
Offer details
Available to new BMO eclipse Visa Infinite cardholders who meet the offer requirements. Existing BMO Rewards credit cardholders and previous cardholders may not be eligible for the welcome offer. Terms and conditions apply.
How you earn
- 5 BMO Rewards points per $1 spent on eligible groceries
- 5 BMO Rewards points per $1 spent on eligible gas and transit purchases
- 5 BMO Rewards points per $1 spent on eligible dining purchases
- 5 BMO Rewards points per $1 spent on eligible takeout and food delivery purchases
- 1 BMO Rewards point per $1 spent on all other eligible purchases
- Earn 10% more points on all purchases when an authorized user is added to the account
- Redeem BMO Rewards points for travel, merchandise, gift cards, investments, statement credits, and more
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120First year free
Purchase interest21.99%
Cash advance interest23.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Household income$100,000Alternative minimum
Recommended credit score660+ Good to Very Good
Applicants typically have the strongest approval odds with a good to very good credit profile that aligns with the card's premium positioning and minimum income requirements.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data, cardholder reports, and the card's Visa Infinite income requirements. BMO does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, and payment history.
Reward limits: The accelerated 5x earn categories are subject to an annual spending cap. Eligible grocery, dining, gas, transit, takeout, and food delivery purchases earn 5 BMO Rewards points per $1 spent up to the published annual limit. Purchases above the cap and all other eligible purchases earn 1 BMO Rewards point per $1 spent.
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Use eligible BMO Rewards points for travel, merchandise, gift cards, investments, or statement credits available through the program.
Redemption values and minimums vary by option; review the current BMO Rewards terms before choosing a redemption.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Annual Lifestyle Credit
Receive a $50 statement credit every year that can be used toward eligible purchases.
First-Year Annual Fee Waiver
The $120 annual fee is waived for the first year as part of the welcome offer.
Emergency Medical Insurance
Out-of-province and out-of-country emergency medical coverage of up to $5 million per insured person for eligible trips of up to 15 consecutive days.
Common Carrier Insurance
Coverage for accidental death or dismemberment while traveling on eligible common carriers when the fare is charged to the card.
Rental Car Collision and Loss Damage Insurance
Coverage for eligible rental vehicles when the full rental cost is charged to the card and coverage requirements are met.
Mobile Device Insurance
Up to $1,000 of protection against loss, theft, or accidental damage for eligible mobile devices purchased with the card.
Extended Warranty Insurance
Doubles the original manufacturer's warranty period on eligible purchases for up to one additional year.
Purchase Security Insurance
Eligible purchases are protected against theft or accidental damage for 90 days from the purchase date.
Show all 18 benefitsShow fewer
Visa Infinite Luxury Hotel Collection
Access premium hotel benefits including perks such as complimentary breakfast and other participating property privileges.
Visa Infinite Concierge
Access to a dedicated concierge service for travel, dining, entertainment, and lifestyle assistance.
Visa Infinite Dining Series
Access to exclusive dining experiences, culinary events, and restaurant offers through Visa Infinite.
Troon Golf Benefits
Enjoy discounts at participating Troon golf courses and resorts worldwide.
Instacart+ Membership
Receive six complimentary months of Instacart+ membership when enrolled with an eligible BMO credit card.
Monthly Instacart Credit
Receive a $10 monthly Instacart credit after enrolling an eligible BMO credit card.
Authorized User Bonus
Earn 10% more BMO Rewards points on purchases when an authorized user is added to the account.
Car Rental Discounts
Save up to 30% with Avis and up to 35% with Budget on eligible prepaid car rentals, with minimum discounts available on standard bookings.
Visa Secure Protection
Additional online purchase security and fraud protection through Visa Secure.
Card Management Tools
Lock or unlock your card, manage alerts, and report lost or stolen cards through BMO Digital Banking.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Generous rewards earning rates
- Annual lifestyle credit
- Bonus points with authorized users
- First-year annual fee waiver
- Comprehensive travel and purchase insurance
- Visa Infinite travel and lifestyle benefits
Worth noting
- Low point redemption value
- High income requirements
- Limited travel insurance coverage
- Foreign transaction fees apply
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
⛽ Best Gas Card
5x BMO Rewards points per $1 on groceries, gas, transit & dining. 1x on everything else.
How the rewards work
Dining, Groceries, Gas receive the strongest estimated return at 3.3%. Purchases outside the accelerated categories earn an estimated 0.67%.
What the annual cost means
Using the strongest estimated category return alone, roughly $3,650 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Other cards to examine
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.