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.

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.