BMO eclipse Visa Infinite Review 2025

BMO eclipse Visa Infinite — Quick Summary

$120

Annual Fee ($70 after $50 credit)

5×

BMO Rewards (Food, Transit, Gas)

1×

BMO Rewards Everything Else

$50

Annual Lifestyle Credit

8.0/10

bremo.io Rating

BMO eclipse Visa Infinite — Earn Rates 2025

Category	Earn Rate	Example Monthly Value
Groceries	5× BMO Rewards	$400 spend = 2,000 pts = ~$10
Restaurants & food delivery	5× BMO Rewards	$400 spend = 2,000 pts = ~$10
Gas stations	5× BMO Rewards	$150 spend = 750 pts = ~$3.75
Transit (TTC, GO, Uber, etc.)	5× BMO Rewards	$200 spend = 1,000 pts = ~$5
All other purchases	1× BMO Rewards	$500 spend = 500 pts = ~$2.50

BMO Rewards: 200 pts = ~$1 in travel redemptions (0.5¢/pt). Note: value varies by redemption type.

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Pros and Cons

Pros

5× on food, transit, gas — ideal for urban Canadians
$50 annual lifestyle credit (net fee = $70)
Free supplementary cardholder (they also earn 5×)
Comprehensive travel and purchase insurance
Points never expire
Good welcome bonus ($400+ in first year)

Cons

BMO Rewards only ~0.5¢/pt for travel
1× on all non-category spending is low
$60K personal / $100K household income req.
Points not transferable to airlines
Lower point value vs. Aeroplan or MR cards

bremo.io Verdict: 8.0/10 — Best for Urban Canadians Who Dine Out Often

The BMO eclipse Visa Infinite is purpose-built for urban millennials and young families spending heavily on food delivery, restaurants, transit, and gas. The $50 lifestyle credit makes the net annual fee just $70 — incredibly affordable for 5× on the categories most Canadians spend most on. The limitation: BMO Rewards points are worth less than Aeroplan or MR at ~0.5¢/point, so heavy redeemers who optimize for maximum flight value may prefer Amex Cobalt or TD Aeroplan.

Frequently Asked Questions

Is the BMO eclipse Visa Infinite worth it?

For urban Canadians spending $400+/month on food and $200+/month on transit: yes. At 5× on those categories, you'd earn roughly 36,000 BMO Rewards annually = ~$180 in travel redemptions. After the $50 lifestyle credit, the net fee is $70, so you're ahead by ~$110/year. The real appeal is simplicity — you don't need to optimize or remember category structures. Five categories cover most of what young Canadians spend on.

What counts as "food" for BMO eclipse Visa Infinite 5× earn?

The 5× category includes: grocery stores (most major chains), restaurants, bars, cafes, food delivery apps (Uber Eats, SkipTheDishes, DoorDash), and fast food. BMO uses Mastercard's merchant category codes, so most food-related purchases qualify. The key exception: Costco (coded as a warehouse club, not a grocery store) typically earns 1× rather than 5×. Always test new merchants with a small purchase to confirm the earn rate.

How do I use the $50 annual lifestyle credit on BMO eclipse?

The $50 lifestyle credit is applied automatically as a statement credit when you make eligible purchases each anniversary year. Eligible purchases include: streaming subscriptions, fitness memberships, food delivery services, and eligible transit purchases. You don't need to apply — BMO identifies the qualifying transaction and applies the credit automatically. Unused portions of the credit don't carry forward.

How does BMO eclipse compare to Amex Cobalt?

Both earn 5× on food. The Cobalt earns 5× Membership Rewards (worth 1.5–2¢/point via Aeroplan transfers vs. BMO eclipse's 0.5¢/pt BMO Rewards). The Cobalt's points are roughly 3× more valuable when transferred to airline partners. However, BMO eclipse's $50 lifestyle credit makes its effective fee lower, and it's a Visa (accepted everywhere Amex is not). For maximum point value: Cobalt wins. For simplicity and lower net cost: BMO eclipse is competitive.

Does the BMO eclipse Visa Infinite include travel insurance?

Yes — it includes: travel emergency medical (up to $2M, first 21 days), trip cancellation/interruption ($1,500/person), delayed/lost baggage ($500), car rental collision/loss damage waiver, and purchase protection/extended warranty. Coverage activates when the trip or rental is charged to the card. For comprehensive travel insurance, this is adequate for most Canadians — though not at the $5M/unlimited level of some premium cards.