Andrea L.Toronto, ON · Mar 2026
★★★★★
Switched from Cobalt because tired of carrying backup. eclipse gets me 5x everywhere I go. Trade some flexibility but my wallet is finally one card.
Overview
The BMO eclipse Visa Infinite is BMO's answer to the Amex Cobalt — 5x rewards on Canada's highest-spend categories with universal Visa acceptance. The card combines dining + groceries + gas + transit into a single 5x earn bucket, capped at $3,000/month in eligible spend.
Beyond category earn, you get a one-time +10% bonus on every redemption, $50 annual lifestyle credit (statement credit on streaming services), and standard Visa Infinite benefits. BMO Rewards convert at 1:1 to BMO travel bookings via the BMO Rewards portal.
Trade-off vs Cobalt: BMO Rewards are less flexible than Amex Membership Rewards (no transfer to Aeroplan etc), but you get universal acceptance and don't need a backup card.
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn 60,000 BMO Rewards points
Easy hit at $1,000/month spend. Welcome bonus alone covers 5 years of fees.
60,000 pts
Spend $3,000 in first 3 months + sign up
≈ $600 in travel
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
5xx
Dining + groceries + gas + transitUp to $3,000/month combined spend in these categories
1xx
Everything elseAll other purchases
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
🎁+10% bonus on every redemption
BMO automatically adds 10% to every point redemption — effective 5.5x earn on category spend.
💸$50 annual lifestyle credit
Statement credit for streaming subscriptions (Netflix, Disney+, etc).
🛡️Standard Visa Infinite insurance
Emergency medical, trip cancellation, car rental CDW, purchase protection.
🛂Visa Infinite concierge
24/7 concierge for travel + dining + tickets.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$120Among lowest premium cards
SUPPLEMENTARY CARDS$50 eachUp to 9 supplementary
PURCHASE APR20.99%Standard
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$60,000 personal$100,000 household
Pros and cons
✓ PROS
- 5x earn on a universally-accepted Visa
- +10% redemption bonus = effective 5.5x
- $50 lifestyle credit covers half the fee
- No Amex acceptance worries
- Easier welcome bonus than Cobalt
- Standard Visa Infinite insurance package
✗ CONS
- $3,000/month spend cap on 5x earn
- BMO Rewards less flexible than Membership Rewards
- 2.5% FX markup
- No lounge access or premium travel perks
- Travel insurance less generous than Amex Platinum
Who it's for
★ APPLY IF
- Households spending $1,500-3,000/month in dining + groceries + gas + transit
- Anyone who wants Cobalt-level earn without Amex acceptance gaps
- BMO banking customers
- First-time premium card seekers
✗ SKIP IF
- Households spending $5,000+/month on category spend
- Travellers wanting transfer partners
- International shoppers (FX hurts)
How it compares
We pitted this card against its closest rivals.
How to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE725+ recommended
MIN INCOME$60,000 personal / $100,000 household
OTHER ELIGIBILITYCanadian resident · 18+
DECISION TIME5-7 business days
Editor's verdict
8.5/10
★★★★★
FINAL VERDICT
The Cobalt for people who don't want an Amex.
For Canadians who want maximum rewards without managing Amex acceptance gaps, the eclipse delivers Cobalt-level earn on Visa. 5x earn + 10% redemption bonus = effective 5.5x on Canada's biggest spend categories.
Apply for BMO eclipse ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.4 / 5 ★
876 reviews
Joe T.Vancouver, BC · Feb 2026
★★★★★
Solid card. Hit the $3,000/month cap regularly which is annoying but at that point I'm already winning. $50 streaming credit is the sneaky perk.