BMO · Visa
BMO eclipse Visa Infinite Card
Travel points, earns BMO Rewards points
Welcome offer
Verified · Oct 4Up to 70,000 BMO Rewards points
Up to 70,000 points, plus a $20 monthly streaming credit in the first year. First year free. The product page does not list the spend tiers.
- Minimum spend
- —
- Apply by
- Not stated
BMO's product page says 70,000 points and its terms page says 80,000 points. I use the product page.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $120, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Personal $60,000 or Household $100,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 10,000 points more than the previous one on record.
- Now · Checked October 4, 2026Up to 70,000 BMO Rewards pointsAnnual fee $120 · First year free
- Before December 15, 2025 · Reported publicly at the time
Up to 60,000 BMO Rewards pointsSpend $27,000
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 5× BMO Rewards | about 3.35% |
| Dining and delivery | 5× BMO Rewards | about 3.35% |
| Gas and EV charging | 5× BMO Rewards | about 3.35% |
| Recurring bills | 1× BMO Rewards | about 0.67% |
| Transit | 5× BMO Rewards | about 3.35% |
| Drugstores | 1× BMO Rewards | about 0.67% |
| Travel | 1× BMO Rewards | about 0.67% |
| Entertainment | 1× BMO Rewards | about 0.67% |
| Phone and internet | 1× BMO Rewards | about 0.67% |
| Streaming | 1× BMO Rewards | about 0.67% |
| Online shopping | 1× BMO Rewards | about 0.67% |
| Convenience stores | 1× BMO Rewards | about 0.67% |
| Office supplies | 1× BMO Rewards | about 0.67% |
| Other spending | 1× BMO Rewards | about 0.67% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $5,000,000, 15 day(s)
- Travel medical (age 64 and under)
- $5,000,000, 15 day(s)
- Travel accident
- $500,000
- Rental car collision
- $65,000, 48 day(s)
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000, 1 year
Coverage amounts and number of days are as stated in the certificate of insurance.