Published 02/07/2025 Updated 08/25/2025 | BeCred

BMO Eclipse Visa Infinite Credit Card

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If you’re on the hunt for a credit card that offers substantial rewards for everyday spending, the BMO Eclipse Visa Infinite Credit Card might just be what you need. With its attractive perks, competitive earning rates, and various benefits, this card is designed for individuals who want to make their daily transactions more rewarding. Let’s dive into the details and see if it’s the right fit for you.

Key Features and Benefits

Here’s a breakdown of the significant features that make the BMO Eclipse Visa Infinite Card stand out:

  • High Earning Potential: Earn 5 BMO Rewards points for every dollar spent on groceries, dining out, takeout/food delivery, gas, and transit. For all other purchases, earn 1 point per dollar.
  • Additional Points for Authorized Users: Add an authorized user to your account and earn 10% more points on all purchases.
  • Annual Lifestyle Credit: Receive a $50 lifestyle credit each year, which can be used for various purchases.
  • Exclusive Fuel Savings: Enjoy discounts at the pump, with the potential to save up to 7 cents per liter on fuel.
  • Comprehensive Insurance Coverage: The card includes mobile device insurance, purchase security, extended warranty insurance, and travel insurance.
  • Visa Infinite Benefits: Access to luxury hotel collections, concierge services, and exclusive dining experiences.

Earning Rewards

Getting rewarded for your spending is one of the primary attractions of the BMO Eclipse Visa Infinite Card. Here’s how the earning structure works:

  • 5 BMO Rewards Points: For every dollar spent on the following categories, up to specific annual limits:
    • Dining: $6,000
    • Groceries: $6,000
    • Gas: $20,000
    • Transit: $20,000
  • 1 BMO Rewards Point: For every dollar spent on all other purchases.

This earning potential is quite competitive, allowing you to accumulate points quickly on your regular spending habits.

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Welcome Bonus

The BMO Eclipse Visa Infinite Card offers an enticing welcome bonus of up to 60,000 BMO Rewards points:

  • 30,000 points when you spend $3,000 in the first three months.
  • 2,500 points for each month you spend $2,000 from months four to fifteen, for a total of up to 30,000 additional points.

This generous welcome offer can significantly boost your points balance right from the start.

Redemption Options

Once you’ve accumulated BMO Rewards points, you’ll want to know how to redeem them effectively. Here are your options:

  • Travel: Use your points for flights, hotel stays, and vacation packages through the BMO Rewards travel portal.
  • Merchandise: Shop at the BMO Rewards store, where you can purchase a variety of items using your points.
  • Statement Credit: Cover previous purchases using points, though this option typically offers less value compared to travel redemptions.

Points are valued at approximately 0.67 cents per point when redeemed for travel, so aiming for travel rewards is often the best strategy.

Annual Fee and Other Costs

The BMO Eclipse Visa Infinite Card comes with an annual fee of $120, which is waived for the first year. Additionally, there is a fee of $50 for adding an authorized user to your account. The interest rates are:

  • Purchases: 20.99%
  • Cash Advances: 23.99%

It’s essential to keep these fees in mind when evaluating the card’s overall value.

Insurance Coverage

One of the standout features of the BMO Eclipse Visa Infinite Card is its comprehensive insurance coverage, which includes:

  • Emergency Medical Insurance: Coverage for medical expenses while traveling.
  • Common Carrier Accident Insurance: Up to $500,000 in coverage.
  • Car Rental Insurance: Collision damage waiver benefits.
  • Mobile Device Insurance: Coverage for loss or damage up to $1,000.

This robust insurance package provides peace of mind for frequent travelers and everyday consumers alike.

Who Is This Card For?

The BMO Eclipse Visa Infinite Card is ideal for individuals who:

  • Spend significantly on groceries, dining, gas, and transit.
  • Travel frequently and value travel insurance and concierge services.
  • Want to earn rewards that can be redeemed for travel or merchandise.

If you fit into these categories, this card could provide excellent value and enhance your spending experience.

HOW TO APPLY

Credit card approval in Canada typically depends on your credit score, income, existing debts, and credit history. Lenders review your financial profile to determine whether you qualify and what credit limit they can offer.

Many basic credit cards can be approved with a score around 600 or higher. Premium cards may require a stronger score, often above 700. Some secured credit cards are available for people with little or no credit history.

Yes. Many Canadian banks offer special credit card programs for newcomers who may not yet have a Canadian credit history. These programs often include starter credit limits to help build credit over time.

You can build your credit score by paying your balance on time every month, keeping your credit utilization low, and avoiding missed payments. Responsible use over time helps strengthen your credit profile.

Paying the minimum keeps your account in good standing, but interest will continue to accumulate on the remaining balance. Over time this can increase the total amount you pay for your purchases.

Some credit cards charge annual fees in exchange for rewards, travel benefits, or higher credit limits. However, many Canadian banks also offer no-fee credit cards with basic features and cashback options.

CREDIT CARD

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

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