Independent ClearFin review · BMO
Start with up to $1,150 in value including up to 70,000 bonus points.
First year free
Current new-cardmember offer
Certificate terms apply
⛽ Best Gas CardIts 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 · Product page and insurance certificateHow to earn it
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.
Confirm final approval criteria and current rates directly with the issuer.
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.
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
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.
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.
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.
5 coverages listed. Key terms are summarized below; full certificate terms apply.
Up to $5,000,000 per insured person per trip, for up to 15 consecutive days if age 64 or under on departure.
Eligible rental periods up to 48 consecutive days and rental cars with MSRP up to $65,000, subject to certificate terms.
Up to $500,000 per insured person for eligible accidental death or dismemberment while travelling on a common carrier.
Purchase Security covers eligible items for up to 90 days from purchase; Extended Warranty can double the original manufacturer warranty for up to one additional year.
Up to $1,000 per occurrence for an eligible mobile device that is lost, stolen or accidentally damaged, subject to certificate terms and claim limits.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
5x BMO Rewards points per $1 on groceries, gas, transit & dining. 1x on everything else.
Dining, Groceries, Gas receive the strongest estimated return at 3.3%. Purchases outside the accelerated categories earn an estimated 0.67%.
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.
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.
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.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official BMO eclipse Visa Infinite product page, rates page and current insurance certificate checked October 11, 2026. The $120 fee, 21.99% purchase rate, current up-to-$1,150 offer, 5x core earn categories and included insurance were verified. BMO also publishes an alternative qualification path based on declared current annual spend.
