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BMO eclipse Visa Infinite* Card

Getfive times the points on takeout, rideshare and more.67

Welcome offer

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Minimum $60,000 (individual) or $100,000 (household) annual income required OR minimum $15,000 declared current annual spend.

So good, it’s award-winning

Our BMO eclipse Visa Infinite* Card has received nation-wide recognition.

Winner of the 2022 MoneySense Best Visa Points Card for Dining and Transit

Winner of the 2021 creditcardGenius® Best Gas & Transit Credit Card

Your everyday just got more rewarding

five timesthe points

For every $1 spent on groceries, dining in and out, gas and transit.67 You deserve it.

Earn 10% more points

On all purchases when you add an authorized user to your account.68 Lucky you (and them!)

Get a $50 annual lifestyle credit

To use however you want.69 Go on, celebrate yourself!

Make every day a 5x points day

Earn more (a lot more) on your daily needs and wants.

  • Takeout & food delivery

    What’s better than getting your favourite meal to go or delivered to your doorstep? Earningfive timesthe points on it!67

  • Groceries

    You need to eat, why not get rewarded at the same time? Earnfive timesthe points on groceries.67

  • Dining out

    You’ve got great taste! Earnfive timesthe points for dining out or getting drinks at your favourite local pub.67

  • Gas & transit

    Got places to go? You’re in luck. Earnfive timesthe points on gas, public transit, rideshare, and more.67

Plus, earn 1 point for every $1 spent on everything else70 – there’s so much points potential out there.

Minimum $60,000 (individual) or $100,000 (household) annual income requiredORMinimum $15,000 declared current annual spend.

Your Visa Infinitestar benefits

  • Get access to the Visa Infinite Luxury Hotel Collection and enjoy seven exclusive benefits (like complimentary breakfast).59
  • Make dining even finer with the Visa Infinite Dining Series.61
  • Connect to the Visa Infinite Concierge - it’s like having a personal assistant on call!71
  • Get the Visa Infinite Troon Golf Benefit and enjoy discounts at 95 resorts and courses around the world.72

Already a cardholder? Visit visainfinite.ca to find a full list of available benefits. Enroll to get emails and to be the first to know about exclusive offers and experiences.

BMO Rewards calculator

Find out how many points you can earn with the BMO eclipse Visa Infinite* Card

Estimate your monthly spending

Dining, groceries, gas and transit (earn 5 times the BMO Rewards points for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in
$500
$0$5,000

All other purchases (earn 1 point for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in
$500
$0$5,000
Your first year BMO Rewards points total:

0

Yearly breakdown:
Bonus points:
0
Dining, groceries, gas and transit:
0
All other purchases:
0
Use of the reward calculator is for illustrative purposes only. Values displayed valid as of January 6, 2022.
Use your BMO Rewards points to treat yourself to something big – or something small. They’re yours to use however you like.
You could redeem 42,000 points for dinner for two at a nice restaurant.
OR redeem those points on a variety of everyday treats, such as:
  • 2,400 points for lattes for you and a friend
  • 12,600 points for a monthly gym membership
  • 16,800 points for a spa treatment
Minimum $60,000 (individual) or $100,000 (household) annual income requiredORMinimum $15,000 declared current annual spend.

BMO eclipse Visa Infinite* Card

Ready to make every moment an eclipse moment? Here’s what you need to know.

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Minimum $60,000 (individual) or $100,000 (household) annual income required ORMinimum $15,000 declared current annual spend.

  • Mobile Device Insurance

    Enjoy Mobile Device Insurance, which provides coverage of up to $1,000 in the event your mobile device is lost, stolen or accidentally damaged.73

  • Purchase Security and Extended Warranty Insurance

    Shop with Purchase Security Insurance which provides up to 90 days of coverage against theft or damage of covered items from date of purchase and Extended Warranty Insurance, which doubles the original manufacturer’s warranty to a maximum of 1 year.73

  • Travel Insurance

    Travel with Out-of-Province/Country Emergency Medical Insurance, Common Carrier Insurance and Car Rental Collision/Loss Damage Insurance.73

BMO PaySmart™ Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Learn More

Ready to apply?

Start celebrating your everyday moments now.

We'll respond in under 60 seconds.

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

  • Safety and security

    Can’t find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

  • Financial insights

    Stay on top of your spending with a personalized look at your money.

  • Credit score

    Get free, 24/7 access to CreditView with no impact to your credit score.

  • Dispute a transaction and PIN reset

    Resolve an issue with your statement or reset your PIN directly from your mobile app.

Frequently Asked questions

  • Think of it as getting rewarded just for being you! A lifestyle credit card offers perks likefive timesthe points on everyday purchases like gas, groceries, transit, dining out and ordering in, and 1 point for everything else. It’s a credit card with the best benefits for making the most of every moment.

  • You can pay with your Rewards points in 3 simple steps:

    1. Sign into bmorewards.com and select the “Pay with Points” tab.
    2. Browse your recent transactions and select which eligible purchase you want to redeem points for.
    3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!64

    Apply Now

    To apply for this card, your annual income should be $60,000 (individual) or $100,000 (household). If you don’t meet the income requirement, you can also qualify if you have $15,000 total spend on all your other credit cards combined within the last 12 months, a minimum spend of $1,250 per month when you apply.

  • You’ll need to share a few things to open an account online, including your name, date of birth, contact info, SIN, address, employment status, income source(s), rent or mortgage amount, and what you’ll be using the account for.

    • Be a permanent Canadian resident
    • Have not declared bankruptcy in the past seven years
    • Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
    • Meet minimum income requirements
  • For Visa Infinite cards, your minimum annual income should be $60,000 (individual) or $100,000 (household). If you don't meet the income requirements, you could also qualify if you have $15,000 total spend within the last twelve months on all your other credit cards collectively, a minimum spend of $1,250 per month on application.

  • Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps.

    Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

  • Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account.

    To get started, simply login and follow these steps for recent eligible credit card purchases of $100 or more:

    1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
    2. Go to the Installment Plan tab and click the Create button.
    3. Select the plan that works best for you.
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