Illustration, not the actual card design.
BMO · Earns BMO Rewards points
BMO eclipse Visa Infinite Privilege
Annual fee
$599
Welcome offer
Up to 200,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $6,000 in your first 110 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$441
+$840 welcome bonus
+$200 yearly credits
−$599 fee
Year 2
$161
+$560 welcome bonus
+$200 yearly credits
−$599 fee
Every year after
−$399
Costs $399 a year until your spending covers it.
Plus 5 benefits with no fixed dollar value, like Airport Priority Lanes and Parking, Avis and Budget rental discount and Visa Airport Companion Lounge Visits. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Oct 31, 2026. Not available to current or former BMO eclipse Visa Infinite Privilege cardholders who reinstate a closed account or open a new account for the same card during the offer period. Existing BMO credit card cardholders who transfer into this card during the offer period are not eligible.
- 1Spend $6,000 in your first 110 days80,000 pts≈ $560 est.Year 1
- 2Spend $30,000 in your first 180 days40,000 pts≈ $280 est.Year 1
- 3Spend $75,000 in your first 12 months80,000 pts≈ $560 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.7¢ per BMO Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & RestaurantsUp to $25,000/yr of spend | 5 pts per $ | 3.5¢ |
| TravelUp to $25,000/yr of spend | 5 pts per $ | 3.5¢ |
| GroceriesUp to $20,000/yr of spend | 5 pts per $ | 3.5¢ |
| Gas & FuelUp to $15,000/yr of spend | 5 pts per $ | 3.5¢ |
| Drugstore & PharmacyUp to $15,000/yr of spend | 5 pts per $ | 3.5¢ |
| Everything else | 1 pt per $ | 0.7¢ |
What else you get
Statement credits
- Annual Lifestyle Credit$200/yr
$200 statement credit each annual period, following a single purchase of $200 or more in that period
Perks · 5
- Airport Priority Lanes and Parking
Select Canadian airports; subject to availability, non-transferable, not combinable
- Avis and Budget rental discount
At least 10% off the lowest available discountable Time and Mileage retail rates at Avis and Budget in Canada and the US, and up to 30% (Avis) or 35% (Budget) when prepaid
- Visa Airport Companion Lounge Visits
6 complimentary lounge visits per membership year through Visa Airport Companion, after you enroll
Worth about US$32 per person, per visit · Visa's price, Price once any free visits are used; subject to change, checked Oct 2026
Enroll first - Visa Infinite Concierge
24/7 personal-assistant style concierge, no fee for the service
Show all 5Show fewer
- Visa Infinite Luxury Hotel Collection
Book at visaluxuryhotelcollection.com: best rate guarantee, upgrade, 3PM checkout, breakfast, Wi-Fi, $25 F&B voucher, VIP status
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by BMO. Card and program names belong to their owners.
Details last checked Sep 28, 2026.