BMO · Visa
BMO Eclipse Visa Infinite review
5x on the four spend categories that matter most — easily one of the best lifestyle Visas in Canada with First Year Free entry.
$175 Bonus$175 BonusEstimated 1st-year net value
+$950
First year free — fee waived. Includes signup bonus and earned rewards.
One of the strongest in our set
First-Year Value
$380
Estimated, after fees
Est. rent rewards
+$240
After payment costs
Annual fee
First Year Free
We compare multiple Canadian rebate partners before routing you to an application.
Independent Canadian analysis · No paid placements
Quick answer
Is the BMO Eclipse Visa Infinite worth it in 2026?
5x on the four spend categories that matter most — easily one of the best lifestyle Visas in Canada with First Year Free entry.
Best for
Lifestyle + everyday spend with strong grocery multiplier.
Not ideal for
Cardholders who carry a monthly balance — interest at ~20% wipes out any rewards earned.
Why we recommend it
5x on the four spend categories that matter most — easily one of the best lifestyle Visas in Canada with First Year Free entry.
Why this ranks where it does: Ranked highly on estimated first-year value (~$950 after fees). See our ranking methodology →
💸 Extra Layer Most People Miss
Credit card rewards are only part of the equation.
Depending on where you apply, you may also qualify for additional signup bonuses, affiliate rebates, or referral incentives through different platforms.
These offers change frequently — sometimes even weekly — which is why PaySmarter tracks total real-world value, not just card perks.
Credit card
Bank offer
Application platform
Where you apply
Rebate portal
Stacked bonus
Net value
Real-world return
We factor in portal rebates so you see the real value, not just the bank offer. PaySmarter rankings differ from generic comparison sites because we optimize for total application value — including platform rebates that change weekly.
We review FinlyWealth, Great Canadian Rebates, Credit Card Genius, Ratehub, High Interest Savings, and Frugal Flyer to surface the strongest available path.
Best for
Who this card suits
Beginner friendly
Strong keeper card
Good to churn
Best for rent payments
Rent & bill optimization
How BMO Eclipse Visa Infinite performs on rent payments
Estimated net rewards after platform fees on each Canadian rent payment route. Pair with the platform that gives you positive math.
Pros
- Strong signup bonus
- First year free
- Excellent grocery multiplier
- Excellent dining multiplier
- Top-tier with Chexy for rent rewards
Card details
Full breakdown
How to maximize this card
Get the most value from BMO Eclipse Visa Infinite
- Pair with Chexy for rent — that's where the math lands strongest for this card.
- Use rent + recurring bills to clear the $4,000 minimum spend in 2–3 months without overspending.
- Funnel grocery spend here — the 5x multiplier compounds quickly over a year.
- Dining and food delivery earn at 5x — meaningful if you eat out weekly.
- Strong keeper card — works well as the long-term anchor in a 2-card setup.
Keep optimizing
Smarter alternatives & pairings for BMO Eclipse Visa Infinite
Auto-generated from our card catalog using BMO Eclipse Visa Infinite's fee tier, network and rewards profile.
Best 2-card pairings
Cards that pair well to cover what this one doesn't
$200BMO · Mastercard
BMO VIPorter World Elite Mastercard
Pairs wellWhy: Complements BMO Eclipse Visa Infinite as a 2-card setup.
vs current: Different network (Mastercard) for broader Canadian acceptance.
See review
$40American Express · Amex
American Express Gold Rewards
Pairs wellWhy: Complements BMO Eclipse Visa Infinite as a 2-card setup.
vs current: Different network (Amex) for broader Canadian acceptance.
See review
$35American Express · Amex
American Express Marriott Marriott Bonvoy Business
Pairs wellWhy: Complements BMO Eclipse Visa Infinite as a 2-card setup.
vs current: Different network (Amex) for broader Canadian acceptance.
See review
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
Upgrade path
If you're ready for the next tier up
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
No-FX alternatives
Skip the 2.5% foreign exchange fee
$225Scotiabank · Amex
Scotiabank Platinum American Express
No FX feesWhy: Waives the standard 2.5% FX fee — better for travel and USD subscriptions.
vs current: Saves 2.5% on every USD/EUR purchase — typical break-even at ~$1k/yr in foreign spend.
See review
$150Scotiabank · Amex
Scotiabank Gold American Express
No FX feesWhy: Waives the standard 2.5% FX fee — better for travel and USD subscriptions.
vs current: Saves 2.5% on every USD/EUR purchase — typical break-even at ~$1k/yr in foreign spend.
See review
$150Scotiabank · Visa
Scotiabank Passport Visa Infinite
No FX feesWhy: Waives the standard 2.5% FX fee — better for travel and USD subscriptions.
vs current: Saves 2.5% on every USD/EUR purchase — typical break-even at ~$1k/yr in foreign spend.
See review
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
Same platform · Different card
Other strong cards to pair with Chexy
$150American Express · Amex
American Express Business Platinum
Top pairingWhy: Top-ranked pairing with Chexy — strongest math in our dataset.
vs current: ~$950/yr in net rent rewards via Chexy.
See review
TD · Visa
TD Aeroplan Visa Infinite Privilege
Top pairingWhy: Top-ranked pairing with Chexy — strongest math in our dataset.
vs current: ~$480/yr in net rent rewards via Chexy.
See review
CIBC · Visa
CIBC Aeroplan Visa Infinite Privilege
Top pairingWhy: Top-ranked pairing with Chexy — strongest math in our dataset.
vs current: ~$460/yr in net rent rewards via Chexy.
See review
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
Smart next step
Plan your next card — 2-card setups for beginners
Picked for BMO Eclipse Visa Infinite based on its fee tier, rewards profile and platform fit.
FAQ
BMO Eclipse Visa Infinite — common questions
Is the BMO Eclipse Visa Infinite worth it?+
5x on the four spend categories that matter most — easily one of the best lifestyle Visas in Canada with First Year Free entry.
Is the BMO Eclipse Visa Infinite good for paying rent?+
Yes — based on our model, the BMO Eclipse Visa Infinite returns roughly $240 in net rewards on rent each year when paired with Chexy.
Does the BMO Eclipse Visa Infinite have foreign exchange (FX) fees?+
Yes — the BMO Eclipse Visa Infinite charges the standard 2.5% FX fee on foreign-currency purchases.
Is the BMO Eclipse Visa Infinite beginner friendly?+
Yes — the BMO Eclipse Visa Infinite is straightforward to use, with simple rewards mechanics and low or no minimum spend.
Which rent-payment platform works best with the BMO Eclipse Visa Infinite?+
Chexy is the strongest pairing based on the card's network, fee structure, and earn rate.
Last verified: 2026-06-23·Last reviewed: 2026-06-23
We re-verify offers monthly against publicly available Canadian sources (Great Canadian Rebates, FinlyWealth, CreditCardGenius, High Interest Savings, RateHub). Always confirm the live offer on the issuer's site before applying. How we rank cards · Affiliate disclosure.
Note: To maximize your welcome bonus, consider applying through a trusted referral link or a Canadian cash-back rebate portal (such as Great Canadian Rebates, FinlyWealth, or GeniusCash) where eligible.
Related guides
Strategy
How to maximize rent rewards in Canada
Rent is the largest predictable spend in most Canadian budgets. Optimizing it well is worth $400–$1,200/year. Here's exactly how.
Read guide
Strategy
Best 2-card wallet setups in Canada (2026)
One card almost never wins everything. Here are the 2-card setups we recommend most often for Canadian renters who want to maximize rewards without overcomplicating life.
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Methodology
How estimated net value is calculated
Every PaySmarter card review shows a single dollar figure: estimated first-year net value. Here's the formula behind it.
Read guide