BMO eclipse rise Visa 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

BMO eclipse rise Visa

BMO

BMO Rewards

Annual Fee: $0.00
First Year Bonus Value: $166.67
Net Annual Rewards: $224.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $390.67

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 2, 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

BMO eclipse rise Visa$0.00 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	BMO eclipse rise Visa	BMO eclipse Visa Infinite
Regular annual feeValues differ	$0	$120
Foreign transaction fee	2.5%	—
Rewards program	BMO 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	BMO eclipse rise Visa	BMO eclipse Visa Infinite
First-year valueValues differ	$390.67	$790.93
Net annual rewardsValues differ	$224	$337.6
First-year bonus valueValues differ	$166.67	$333.33
Welcome offer	25,000 bonus points	—

Rewards

Rewards for the selected cards, in selected order.
Fact	BMO eclipse rise Visa	BMO eclipse Visa Infinite
How you earnValues differ	Earn 5 BMO Rewards points per $2 on eligible recurring bills, groceries, dining and takeout 1 point per $2 on 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 points per dollar
Reward conditions	View reward conditions Earn 5 BMO Rewards points per $2 on eligible recurring bills, groceries, dining and takeout; 1 point per $2 on other purchases. Cash advance APR is 21.99% for Quebec residents. Merchant eligibility and accelerated-category spending limits apply. 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	BMO eclipse rise Visa	BMO eclipse Visa Infinite
Regular annual feeValues differ	$0	$120
Foreign transaction fee	2.5%	—
Purchase APR	21.99%	21.99%
Cash advance APR	23.99%	23.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	BMO eclipse rise Visa	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	BMO eclipse rise Visa	BMO eclipse Visa Infinite
Insurance	Mobile device insurance$1,000 Extended warranty insuranceIncluded Purchase security insuranceIncluded	Not listed — check the issuer
Other benefitsValues differ	Conditional annual bonuses for paying the full balance on time and redeeming points toward purchasesIncluded	$50 annual lifestyle creditIncluded

Sources

Sources for the selected cards, in selected order.
Fact	BMO eclipse rise Visa	BMO eclipse Visa Infinite
Last verifiedValues differ	Last verified: October 2, 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.