Amex Cobalt Card vs BMO Eclipse Visa Infinite
Two cards, one Standard Score rubric. The Amex Cobalt Card scores higher overall at 7.7/10, but the right pick depends on which components match your spending.
The verdict
ExcellentTwo 5x everyday earners on very different currencies. The Cobalt's 5x covers groceries, dining, and delivery and earns Membership Rewards worth about 2¢ each, roughly a 10% return on food; the Eclipse matches the 5x and widens it to gas and transit on a Visa, but BMO Rewards are worth only ~0.67¢, making its 5x closer to 3.35%. Point value decides it: the Cobalt out-earns the Eclipse decisively for anyone who redeems MR through transfers, while the Eclipse's edge is Visa acceptance and a lower fee.
See offer · current Amex Cobalt Card offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Amex Cobalt Card | BMO Eclipse Visa Infinite | |
|---|---|---|
| Standard Score | 7.7/10 · Excellent | 6.4/10 · Situational |
| Annual fee | $191.88 ($15.99 charged monthly (increased from $12.99/mo effective November 5, 2025)) | $120 (Waived first year (current offer)) |
| Welcome bonus | Up to 15,000 MR points (1,250/month for 12 months of qualifying spend) | Up to 70,000 BMO Rewards points (30,000 on $4K/110 days + 20,000 on $7K/180 days + 20,000 anniversary on $12K/12 mo), plus a $50 lifestyle credit and first year free |
| Est. bonus value | ≈ $285 | ≈ $470 |
| First-year net value | ≈ $699 | ≈ $456 |
| Earn rates |
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|
| Points currency | Amex Membership Rewards | BMO Rewards |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Amex Cobalt Card wins
- First-year value: scores 7.0/10 on this component
- Ongoing value: scores 8.5/10 on this component
- Flexibility: scores 9.0/10 on this component
- Strategic fit: scores 8.5/10 on this component
Where the BMO Eclipse Visa Infinite wins
- Low friction: scores 8.5/10 on this component
Read the full reviews: Amex Cobalt Card and BMO Eclipse Visa Infinite, or see how both rank in Best Rewards Credit Cards in Canada.
What the points are worth in dollars: Amex Membership Rewards Value and BMO Rewards Points Value. Each has a calculator for your balance.