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Independent ClearFin review · BMO

BMO Eclipse Visa Infinite Privilege

Start with up to $2,300 in value including up to 200,000 bonus points.

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Independent comparisonFees includedCanadian card data
Annual fee
$599
Reward type
BMO Points
Welcome offer
2,300 pts

Current new-cardmember offer

Insurance
Not listed

Confirm with the issuer

$50cash rebate*BMO Eclipse Visa Infinite Privilege💎 Premium Rewards
The ClearFin bottom line

💎 Premium Rewards

Its strongest published earn rate in our data is 3.3% on dining. The $599 annual fee should be weighed against the rewards and benefits you expect to use.

Checked 2026-08-09 · Official issuer catalogue

Welcome bonus

Up to $2,300 in value including up to 200,000 bonus points

How to earn it

  • Up to 200,000 BMO Rewards pointsEarn bonus points by meeting the spending requirements outlined in the welcome offer during the promotional period.
  • Up to $200 NEXUS Statement CreditCharge an eligible NEXUS membership fee to the card during the first year.
  • $200 Anniversary Lifestyle CreditMaintain the account and meet the requirements for the annual lifestyle credit.
  • Visa Airport Companion membership with 6 complimentary lounge visitsEnroll in the Visa Airport Companion Program and use the included annual lounge passes.
Offer details

Available to new BMO eclipse Visa Infinite Privilege 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 dining purchases including restaurants, bars, takeout, and food delivery
  • 5 BMO Rewards points per $1 spent on eligible gas purchases
  • 5 BMO Rewards points per $1 spent on eligible drugstore purchases
  • 5 BMO Rewards points per $1 spent on eligible travel purchases
  • 1 BMO Rewards point per $1 spent on all other eligible purchases
  • Earn 25% more BMO Rewards points on all purchases when an authorized user is added to the account
  • Redeem BMO Rewards points for travel, Pay with Points purchases, merchandise, gift cards, investments, and statement credits
Costs and requirements

Fees & eligibility

Confirm final approval criteria and current rates directly with the issuer.

Annual fee$599
Purchase interest21.99%
Cash advance interest23.99%
Foreign transaction fee2.5%
Income requirement$150,000Issuer approval criteria apply
Household income$200,000Alternative minimum
Recommended credit score725+ Very Good to Excellent

Applicants typically have the strongest approval odds with a very good to excellent credit profile that aligns with the card's premium positioning, high annual fee, and substantial 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 Privilege 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, drugstore, and travel 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. Adding an authorized user increases points earned by 25%, but does not increase the spending cap.

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 $200 anniversary lifestyle credit each year that can be used toward eligible purchases.

Visa Airport Companion Program

Complimentary membership plus 6 airport lounge visits annually through the Visa Airport Companion Program.

NEXUS Statement Credit

Receive up to $200 in NEXUS statement credits as part of the card's premium travel benefits.

Priority Airport Benefits

Access Priority Security Lane services and discounts on airport parking and valet services at participating Canadian airports.

Visa Infinite Luxury Hotel Collection

Enjoy premium hotel benefits including perks such as complimentary breakfast, room upgrades when available, and other luxury travel privileges.

Visa Infinite Privilege Concierge

Access a dedicated concierge service for travel planning, dining reservations, entertainment, and lifestyle assistance.

Visa Infinite Dining and Wine Benefits

Access exclusive culinary experiences through the Visa Infinite Dining Series and Visa Infinite Wine Country programs.

Troon Rewards Golf Benefits

Receive golf privileges and discounts at participating Troon golf courses, resorts, and select private clubs.

Show all 17 benefitsShow fewer

Emergency Medical Insurance

Comprehensive out-of-province and out-of-country emergency medical coverage for eligible cardholders.

Trip Cancellation and Trip Interruption Insurance

Coverage for eligible prepaid travel expenses when trips are cancelled, interrupted, or delayed due to covered reasons.

Flight Delay and Baggage Insurance

Protection against eligible flight delays, delayed baggage, lost baggage, and related travel inconveniences.

Mobile Device Insurance

Coverage for eligible mobile devices purchased with the card against accidental damage, loss, or theft.

Extended Warranty Insurance

Doubles the original manufacturer's warranty 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.

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 25% more BMO Rewards points on all purchases when an authorized user is added to the account.

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
  • Comprehensive insurance coverage
  • Complimentary airport lounge access
  • Premium Visa Infinite Privilege travel benefits

Worth noting

  • High annual fee
  • High income requirements
  • Low point redemption value
  • Foreign transaction fees apply
  • No complimentary lounge guest access
  • Rewards program is less flexible than transferable points programs
ClearFin analysis

Our detailed review

A practical reading of where the card earns, what the fee buys, and which limits matter.

💎 Premium Rewards

5x BMO Rewards on groceries, dining, gas, drugstore & travel. 1x on everything else.

How the rewards work

Dining, Groceries, Gas, Travel 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 $18,000 in annual spending at that rate would equal the $599 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.

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.