How to apply BMO Eclipse Visa Infinite

Applying for the BMO Eclipse Visa Infinite Card is simple and straightforward, whether you’re looking to earn rewards on your everyday spending or enjoy exclusive travel and lifestyle benefits. This premium credit card from BMO offers strong earning potential, valuable perks, and flexible redemption options — and getting started takes just a few minutes online. Here’s everything you need to know before you apply.

Who the BMO Eclipse Visa Infinite Card Is Best For

The BMO Eclipse Visa Infinite Card is ideal for Canadians who want to earn strong rewards on everyday spending, especially on dining, groceries, gas, and transit. It’s a great choice for professionals and families who use their card frequently and value flexible redemption options — from travel and merchandise to statement credits.

Frequent travelers will also appreciate the annual lifestyle credit, comprehensive travel insurance, and Visa Infinite benefits, such as access to premium concierge services and exclusive events. If you’re looking for a card that combines practical rewards with luxury perks, the BMO Eclipse Visa Infinite is a well-balanced option.

Who Should Avoid the BMO Eclipse Visa Infinite Card

The BMO Eclipse Visa Infinite Card may not be the best fit for everyone. If you don’t spend much on dining, groceries, gas, or transit, you might not earn enough rewards to offset the annual fee of $120. Those who prefer straightforward cash back or don’t travel often may find more value in a no-fee or flat-rate rewards card.

Additionally, since this is a Visa Infinite product, applicants need to meet a minimum annual income requirement of $60,000 (individual) or $100,000 (household). If you don’t qualify or prefer a simpler card with fewer perks, one of BMO’s lower-tier options could be a better match.

Step-by-step guide to apply for this card

1. Visit the BMO Website:

• Go to the official BMO website (bmo.com) and navigate to the credit cards section.
• Find the BMO Eclipse Visa Infinite card and click “Apply Now.”

2. Online Application:

• Fill out the application form: You’ll be asked to provide personal information such as your name, address, date of birth, Social Security number (if applicable), and contact information.
• Provide financial information: This may include your income, employment details, and existing credit obligations.
• Review and Submit: Carefully review all the information you’ve entered and submit your application.

3. Phone Application:

• Call the BMO customer service line: You can apply for the card by phone.
• Provide necessary information: Be prepared to provide the same information as you would in the online application.

4. In-Branch Application:

• Visit a BMO branch: Go to your nearest BMO branch and speak with a banking representative.
• Apply in person: The representative will assist you with the application process in person.

Final Verdict

The BMO Eclipse Visa Infinite is a solid choice for Canadian consumers looking for a high-earning gas and everyday spending card. Its 5x points on dining, groceries, gas, and transit make it one of the better options for people who spend in those categories within Canada. The welcome bonus opportunity and protections such as travel insurance and mobile device coverage add meaningful upside.

However, the card’s benefits are strongest when used domestically and below the $50,000 annual category cap. Light spenders, frequent international purchasers, or those who carry a balance should carefully evaluate whether the effective net annual fee and the interest exposure line up with the rewards they can realistically capture.

Overall recommendation: For Canadian households and commuters who can concentrate spending in the eligible categories and use the lifestyle credit and insurances, the BMO Eclipse Visa Infinite delivers excellent value and is worth serious consideration as a primary rewards card for gas and everyday purchases.

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