American Express Cobalt vs. BMO eclipse Visa Infinite

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

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Selected cards

American Express Cobalt

American Express

Membership Rewards

Annual Fee: $191.88
First Year Bonus Value: $150.00
Net Annual Rewards: $236.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $386.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

BMO eclipse Visa Infinite

BMO

BMO Rewards

Annual Fee: $120.00
First Year Bonus Value: $333.33
Net Annual Rewards: $337.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $790.93

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source

American Express Cobalt$191.88 annual fee

BMO eclipse Visa Infinite$120.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
Regular annual feeValues differ	$191.88	$120
Rewards programValues differ	Membership Rewards	BMO Rewards
Purchase APR	21.99%	21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
First-year valueValues differ	$386	$790.93
Net annual rewardsValues differ	$236	$337.6
Your inputValues differ	Needs your input	—
First-year bonus valueValues differ	$150	$333.33
Welcome offer	Up to 15,000 Membership Rewards points	—

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

American Express Cobalt

Annual estimate assumptions for American Express Cobalt

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Confirmed eligible grocery purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $500/month; remaining: $500/month.Confirmed eligible dining purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $200/month; remaining: $200/month.Confirmed eligible streaming purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $200/month; remaining: $200/month.Confirmed eligible gas purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $150/month; remaining: $150/month.Confirmed eligible transit purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $80/month; remaining: $80/month.Eligible Amex Travel hotel/car bookings, excluding Hotel Collection · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $100/month; remaining: $100/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
How you earnValues differ	5 points per $1 on eligible Canadian food and drink 3 points per $1 on eligible streaming 2 points per $1 on eligible Canadian gas, transit and rideshare 1 point per $1 on all other purchases	5 points per $1 on eligible groceries, dining, gas, transit and rideshare 1 point per $1 on other purchases
Base / other eligible purchases	1 Membership Rewards points per dollar	1 points per dollar
Reward conditions	View reward conditions 5 points per $1 on eligible Canadian food and drink; 3 on eligible streaming; 2 on eligible Canadian gas, transit and rideshare; 1 elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Eligible food and drink share a $2,500 calendar-month spending cap; then 1 point per $1. Streaming must be billed directly by an eligible Canadian provider. Travel does not qualify for the gas/transit 2-point rate. Non-Quebec fee is $15.99 monthly; Quebec fee is $191.88 annually. Eligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Complete card reward details	View reward conditions 5 points per $1 on eligible groceries, dining, gas, transit and rideshare; 1 point per $1 on other purchases. Bonus earning is subject to spending limits. Quebec cash advance APR is 21.99%. An alternative declared annual-spend eligibility route is available. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
Regular annual feeValues differ	$191.88	$120
Supplementary-card fee	$0	—
Purchase APR	21.99%	21.99%
Cash advance APRValues differ	21.99%	23.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
Personal annual income	—	$60,000
Household annual income	—	$100,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
Insurance	Emergency medical insurance15 days, up to $5,000,000 Purchase protection$1,000 Mobile device insurance$1,000 Flight delay insurance$500 Missed connection insurance$500 Baggage delay insurance$500 Hotel burglary insurance$500 Lost or stolen baggage insurance$500 Common carrier travel accident insurance$250,000 Rental car theft / damage insuranceVehicles under $85,000 Extended warranty$10,000	Not listed — check the issuer
Other benefits	—	$50 annual lifestyle creditIncluded

Sources

Sources for the selected cards, in selected order.
Fact	American Express Cobalt	BMO eclipse Visa Infinite
Last verifiedValues differ	Last verified: October 10, 2026	Last verified: October 1, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.