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BMO eclipse Visa Infinite Card
CANADA CREDIT CARD

BMO eclipse Visa Infinite Card

BMO Bank of Montreal · Annual fee CA$120 CAD · BMO Rewards Points · data refreshed October 3, 2026

Quick answer: The BMO eclipse Visa Infinite Card carries a CA$120 annual fee and 10 catalogued benefits, 4 of them dollar credits worth CA$460 a year at face value; its best earning category is Groceries at 5x. Welcome offer: Earn up to 70,000 BMO Rewards points: 30,000 points after $4,000 in purchases within 110 days, 20,000 points after $7,000 within 180 days, and 20,000 points after $12,000 within 365 days. First year annual fee waived.. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Groceries5x3.35%
Gas5x3.35%
Dining5x3.35%
Transit5x3.35%
Everything else1x0.67%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (4)

$20 Monthly Streaming Credit

CA$240/yr
Monthly

Earn up to $20 per month in streaming subscription statement credits when you make at least $500 in net card purchases that month. Eligible streaming services include Netflix, Spotify, Disney+, and other qualifying merchants. Maximum $240 per year.

$10 Monthly Instacart Credit

CA$120/yr
Monthly

Earn a $10 Instacart credit each month when you sign up with your eligible BMO credit card. Valid on orders of $35 or more. Benefit valid through October 31, 2027.

$50 Anniversary Lifestyle Credit

CA$50/yr
AnnualResets on card anniversary

Receive a $50 statement credit applied automatically to your first purchase of $50 or more after each account anniversary date. Effectively reduces the annual fee from $120 to $70.

Instacart+ 6-Month Membership

CA$50/yr

Enjoy six months of complimentary Instacart+ membership when you sign up with your BMO eclipse Visa Infinite Card. Instacart+ includes free delivery on orders over $35, reduced service fees, and exclusive savings.

Protections (6)

Travel Emergency Medical Insurance

CA$100/yr
Annual

Up to $5,000,000 in coverage per person for emergency medical expenses incurred during travel outside your province of residence, for trips of up to 15 consecutive days. For cardholders age 64 or under.

Mobile Device Insurance

CA$80/yr
Annual

Up to $1,000 coverage for theft, loss, or accidental damage to your mobile device when you pay your monthly wireless bill with your BMO eclipse Visa Infinite Card. Coverage for up to 2 years from purchase.

Rental Car Collision Coverage

CA$60/yr
Annual

Covers collision damage and theft for rental vehicles with a value up to $65,000 for rental periods of up to 48 days. Rental must be charged entirely to the card.

Purchase Protection

CA$50/yr
Annual

Coverage against accidental physical damage or theft for items purchased with your BMO eclipse Visa Infinite Card for 90 days from the date of purchase.

Extended Warranty

CA$40/yr
Annual

Extends the manufacturer's original warranty by up to one additional year on eligible items purchased entirely with your BMO eclipse Visa Infinite Card. Maximum total warranty period of 5 years.

Travel Accident Insurance

CA$20/yr
Annual

Up to $500,000 coverage for accidental death or dismemberment while travelling as a fare-paying passenger on a common carrier. Requires ticket cost charged to the card.

How to track it

Add the BMO eclipse Visa Infinite Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other BMO Bank of Montreal cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.