BMO
BMO eclipse Visa Infinite
BMO Rewards · $120.00 annual fee · requires $60,000 income
Your eligibility
Sign in and build a plan to check this card against your province, income, and card history.
BMO rule: welcome bonus once per lifetime per card.
Current offer
Up to 70,000 BMO Rewards points and a first-year fee rebate
- • $4,000 in net purchases within 110 days
- • $7,000 in net purchases within 180 days
- • $12,000 in net purchases within 365 days
First-year fee rebate, subject to the offer conditions.
Qualifying conditions and calculation assumptions
- Legal terms: https://www.bmo.com/en-ca/popups/main/personal/credit-cards/dual-infinite-terms-and-conditions-en/ . Tiers: 30,000/$4,000/110 days; 20,000/$7,000/180 days; 20,000/$12,000/first year, credited at 365 days then up to 8 weeks.
- Former/current same-product holders and product transfers excluded. Closing within 365 days can claw back bonuses. Retention and required renewal fees are included conservatively.
- 5 points/$ Canadian groceries/dining/gas share $50,000 calendar-year cap; 1 otherwise. $120 annual fee rebated first year. House value corrected to 2/3 cent per point for travel; streaming/action credits and anniversary lifestyle credit excluded.
- Minimum personal income $60,000; household/spend qualification alternatives not evaluated.
Quebec: Public Canadian offer reviewed; no separate Quebec welcome-bonus exclusion stated. Provincial cardholder agreements and interest/payment rules still apply.
Offer verified Sep 6, 2026 · 24 days old · expires Oct 31, 2026
Earn rates
| Gas | 5 pts/$ |
| Dining | 5 pts/$ |
| Groceries | 5 pts/$ |
| Everything else | 1 pts/$ |
| Travel | 1 pts/$ |
| Recurring bills | 1 pts/$ |
Points (or cents, for cash-back cards) per dollar spent. Verify rates with the issuer — categories and caps change.
- Accelerated rate cap: $50,000 in Groceries, Dining, Gas per calendar year; then 1 points/$.