The BMO eclipse Visa Infinite Card stands out in the Canadian market by rewarding new cardholders with up to $1,150 in value in your first year, including up to 70,000 bonus points. This offer includes a $50 lifestyle credit and a monthly streaming service credit, which adds to the value. Interest on purchases is 21.99%, while cash advances are 23.99%, with an annual fee of $120. To qualify, individual applicants need a minimum income of $60,000 or a household income of $100,000, although a stated $15,000 annual spend also qualifies.

How to Apply for the BMO eclipse Visa Infinite Card

• Visit BMO’s credit card application page
• Complete your personal and financial details as requested
• Meet the minimum income or spend requirements
• Submit your application and await approval

The online process is secure, efficient, and can often result in a decision within minutes.

Pros of the BMO eclipse Visa Infinite

First, the generous welcome offer stands out. Earning up to $1,150 in value in your first year provides strong upfront savings. The card’s rewards structure means everyday essentials like groceries, dining, gas, and transit earn an impressive 5x BMO Rewards points per dollar.

Additionally, included lifestyle and streaming credits offer meaningful, tangible perks you’ll actually use from year one onward.

Cons of the BMO eclipse Visa Infinite

On the downside, the card comes with an annual fee of $120 after the first year. The high rewards rates are limited to certain categories; purchases outside those earn at a lower rate.

Moreover, the minimum income or annual spend requirements may restrict eligibility for some individuals.

Verdict: Should You Get It?

If you spend regularly on groceries, dining, and transit, the BMO eclipse Visa Infinite Card delivers outstanding value in year one and robust long-term rewards. With practical credits and compelling earn rates, it’s a top choice for Canadian consumers seeking flexible rewards.