BMO · Visa · BMO Rewards
Reviewed 2026-07-05 · By The Points Standard editorial team
BMO Eclipse Visa Infinite
Good multipliers on a weak currency. Fine as a BMO client's everyday card; rarely the cross-market winner.
Standard Score breakdown — Strong
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 6.55/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $120 |
| Welcome bonus | Up to 70,000 BMO Rewards points (30,000 on $4K/110 days + 20,000 on $7K/180 days + 20,000 on $12K/12 mo), plus a $50 lifestyle credit and first year free |
| Est. bonus value | ≈ $470 |
| First-year net value | ≈ $590 |
Earn rates
| Groceries, dining, gas, transit | 5x |
| Everything else | 1x |
Why it earns its score
- 5x on the big everyday categories, on a Visa
- $50 annual lifestyle credit
- Frequent first-year-free offers
Where it loses points
- BMO Rewards points worth only ~0.67¢ on travel
- 5x grocery/dining spend capped annually
Who it's for
Everyday spenders in the BMO ecosystem who want high multipliers on a Visa without a premium fee.
Who should skip it
You compare real cents per dollar — 5x at 0.67¢ is ~3.35%, which strong cash-back cards approach with none of the portal friction.
Included insurance
Travel medical · Flight delay · Rental car coverage · Mobile device insurance
Source: issuer card page · Last reviewed 2026-07-05. Details change often — confirm current terms with the issuer before applying.