Rewards card · BMO
BMO eclipse Visa Infinite Card
BMO · Visa · rewards
Below is every rate the BMO eclipse Visa Infinite Card earns, each one quoted from BMO's own terms with the clause and the date we checked it. The $120 annual fee is shown on its own, never subtracted from a rate.
5 pts
Top rate
1 pt
Base rate
$120
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas and transit.
Everything it earns
every rate quoted from BMO's terms · annual fee shown separately, never netted5 pts
≈ 2.5% back
Groceriesverified Jul 8, 2026Read the clause
Verbatim clause from BMO's terms
“The accelerated earn rate is 5 BMO Rewards points per $1 charged to the Account for purchases ... classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the ... "grocery" ... category. ... Grocery: First $6,000 in annual purchases ... Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1.”
Cap $6,000 / yr
Read the source termsDiningverified Jul 8, 2026Read the clause
Verbatim clause from BMO's terms
“The accelerated earn rate is 5 BMO Rewards points per $1 charged to the Account for purchases ... in the ... "dining" ... category. ... Dining: First $6,000 in annual purchases ... Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1.”
Cap $6,000 / yr
Read the source termsGasverified Jul 8, 2026Read the clause
Verbatim clause from BMO's terms
“The accelerated earn rate is 5 BMO Rewards points per $1 charged to the Account for purchases ... in the "gas" ... category. ... Gas: First $20,000 in annual purchases ... Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1.”
Cap $20,000 / yr
Read the source termsTransitverified Jul 8, 2026Read the clause
Verbatim clause from BMO's terms
“The accelerated earn rate is 5 BMO Rewards points per $1 charged to the Account for purchases ... in the ... "transit" category. ... Transit: First $20,000 in annual purchases ... Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1.”
Cap $20,000 / yr
Read the source terms1 pt
≈ 0.5% back
Everything elseverified Jul 8, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$120
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from BMO's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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