BMO Eclipse Visa Infinite Review Canada 2026
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The BMO Eclipse Visa Infinite is built for people who want the easiest high-value welcome bonus in canada. At 20/year on the Visa Infinite network, here is everything you need to know before applying.
BMO Credit Cards at a Glance
Why the BMO Eclipse Visa Infinite Stands Out
✓ What makes it worth it:
- Lowest minimum spend (,000) for a 50K bonus
- 5x on dining is competitive
- Comprehensive travel insurance
- Airport lounge access (4 visits/year)
✗ What to consider:
- 20 annual fee
- BMO Points worth less per point than Aeroplan
- 2.5% foreign transaction fee
- Amex Cobalt earns more on food overall
Verdict: Who Should Get This Card?
The easiest big bonus in Canada. ,000 in 90 days is just ,000/month - achievable through normal spending. Net 13 profit in year one after the fee. Great as a bonus grab, but for ongoing daily use, Amex Cobalt earns more on food spending. For more options, see our see all welcome bonuses guide.
Ready to apply? Go directly to BMO:
APPLY ON BMO →✓ Official BMO website | ✓ Secure application | ✓ Takes 5-10 minutes
What credit score do I need for the BMO Eclipse Visa Infinite? ▼
Most Visa Infinite and premium cards require a credit score of 700+ and household income of $60,000+. Check BMO's website for exact requirements.
Is the 20/year annual fee worth it? ▼
This card has no annual fee, so there is no break-even threshold. Any rewards you earn are pure profit.
Can I get the BMO Eclipse Visa Infinite as a newcomer to Canada? ▼
BMO has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the BMO website before applying.
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