BMO eclipse Visa Infinite - Rewards Calculator & Benefits

The BMO eclipse Visa Infinite Card earns 5X points on grocery, restaurant, gas, and transit. Review card benefits and calculate total BMO Rewards Points.

The BMO eclipse Visa Infinite Card earns 5 BMO Rewards Points on the first $50,000 in combined purchases between grocery, restaurant, gas station, and transit. In addition to that, it offers a 10% point bonus when adding an authorized users, a $50 annual Lifestyle credit, and Visa Infinite benefits.

Overall, the BMO eclipse Visa Infinite Card is a solid option for earning a great return on your spend.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The BMO eclipse Visa Infinite Card has four bonus categories that will earn you bonus BMO Rewards Points. Those categories are grocery, dining, gas, and transit. You'll earn at the bonus rate for the first $50,000 in spend between all four categories. Once you pass that cap, you'll earn at the non-category rate of 1x for the remainder of the calendar year. There's no limit to the amount of points you can earn with the BMO eclipse Visa Infinite Card overall.

  • 5x Grocery
  • 5x Restaurant
  • 5x Gas Station
  • 5x Transit
    • Includes ride sharing and public transit.
  • 1x Everything Else

Perks & Benefits

The BMO eclipse Visa Infinite Card features a solid amount of benefits which includes earning bonus points when adding an authorized user, an annual credit, and Visa Infinite benefits

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The fee to add authorized users (supplementary cards).
$ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
BMO eclipse Visa Infinite Card
BMO eclipse Visa Infinite Card
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points for every $1 spent on groceries, dining in and out, gas and transit.
1X
Earn 1X points for every $1 spent on everything else.
10%
Earn 10% more points on all purchases when you add an authorized user to your account.
Main Card Highlights
  • Earn 10% more points on all purchases when you add an authorized user to your account.
  • Get a $50 annual lifestyle credit to use however you want.
  • Get access to the Visa Infinite Luxury Hotel Collection and enjoy seven exclusive benefits (like complimentary breakfast).
  • Make dining even finer with the Visa Infinite Dining Series.
  • Connect to the Visa Infinite Concierge - it’s like having a personal assistant on call!
  • Get the Visa Infinite Troon Golf Benefit and enjoy discounts at 95 resorts and courses around the world.
  • Get mobile device insurance, purchase security and extended warranty insurance, and travel insurance with your BMO eclipse Visa Infinite Card.
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%
Updated 2021-04-13 By Robert Flowers III
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