🇨🇦 Credit Card Review

BMO eclipse Visa Infinite

Visa 🇨🇦 Canada BMO Rewards Points

PullThisCard NMDY Score

We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.

Top effective rate on this card: 3.4¢ per dollar. Full methodology →

Welcome Bonus

Estimated first-year bonus value

$469

30,000 points after $4,000 spend in 110 days + 20,000 more after $7,000 spend in 180 days + 20,000 more after $12,000 spend in 365 days.

Conservative estimate at 0.67¢/point. Verify current offer before applying — bonuses change.

Earn Rates

Point value context: We value BMO Rewards Points at 0.67¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →

Category	Earn Rate	Effective Value
Dining	5x BMO Rewards Points	3.35¢/$
Groceries	5x BMO Rewards Points	3.35¢/$
Gas & EV Charging	5x BMO Rewards Points	3.35¢/$
Everything Else	1x BMO Rewards Points	0.67¢/$

Last verified: 2026-09 · Source: issuer's public product terms

Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →

Find the BMO eclipse Visa Infinite

Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.

Find BMO's card page →

PullThisCard does not currently receive compensation from this link.