BMO eclipse Visa Infinite Card
BMO Bank of Montreal · Cashback · Statement Credit
This comprehensive guide covers the BMO eclipse Visa Infinite Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The BMO eclipse Visa Infinite Card from BMO Bank of Montreal offers cashback rewards credited directly to your statement at 5% (up to C$500 per cycle). Top earning categories include 5% cash back on dining and groceries (up to $500/month combined) and more. Annual fee is C$120 (waived for first year).
Best for: Dining, Grocery, Fuel, Transit
Reward Examples
Spend C$1,000 on Dining → earn C$50 (5%) · 5% cash back on dining and groceries (up
Spend C$1,000 on Fuel → earn C$30 (3%) · 3% cash back on gas, transit and subscri
Spend C$1,000 on General online → earn C$10 (1%) · 1% cash back on all other purchases
Official product page → Official rules →
Waiver: Waived for first year
Reward Rules
- 5% 5% cash back on dining and groceries (up to $500/month combined) (cap: C$500)
- 3% 3% cash back on gas, transit and subscriptions
- 1% 1% cash back on all other purchases
Important Notes
- 5% dining and grocery capped at $500 spend per month in combined category (then 1%).
- Annual fee waived first year; $120 thereafter.
- Travel emergency medical insurance included.
- Welcome bonus typically available.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
BMO eclipse Visa Infinite Card vs Similar Cards
- Alterna Savings Cash Back Visa — 2% top rate · C$0
- BMO Cash Back Mastercard — 3% top rate · C$0
- BMO CashBack World Elite Mastercard — 5% top rate · C$120
Maximize Your Rewards
To earn the highest rewards, use the BMO eclipse Visa Infinite Card for its bonus categories: Dining, Grocery, Fuel, Transit, Streaming.