See how your selected cards differ in estimated value, costs and conditions.
$2,000/month CAD · Travel benefits assumed usable · Same profile for every card
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
These dates apply only to the listed facts. Other terms retain the earlier verification date.
| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| Regular annual feeValues differ | $120 | $599 |
| Foreign transaction fee | — | 0% |
| Rewards program | BMO Rewards | BMO Rewards |
| Purchase APR | 21.99% | 21.99% |
Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.
| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| First-year valueValues differ | $790.93 | −$135 |
| Net annual rewardsValues differ | $337.6 | −$135 |
| First-year bonus valueValues differ | $333.33 | $0 |
| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| How you earnValues differ |
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| Base / other eligible purchases | 1 points per dollar | 1 points per dollar |
| Reward conditions | View reward conditions5 points per $1 on eligible groceries, dining, gas, transit and rideshare; 1 point per $1 on other purchases.
| View reward conditionsEarn 5 BMO Rewards points per $1 on eligible dining, travel (air fare, hotels, car rentals), groceries, gas, and health and wellness, each up to an annual spending cap; 1 point per $1 elsewhere.
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| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| Regular annual feeValues differ | $120 | $599 |
| Supplementary-card fee | — | $99 |
| Foreign transaction fee | — | 0% |
| Purchase APR | 21.99% | 21.99% |
| Cash advance APR | 23.99% | 23.99% |
Approval is up to the issuer.
| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| Personal annual incomeValues differ | $60,000 | $150,000 |
| Household annual incomeValues differ | $100,000 | $200,000 |
| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| Insurance | Not listed — check the issuer | Not listed — check the issuer |
| Other benefitsValues differ |
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| Fact | BMO eclipse Visa Infinite | BMO eclipse Visa Infinite Privilege |
|---|---|---|
| Last verifiedValues differ | Last verified: October 1, 2026 | Last verified: October 2, 2026 |
| Official sources |
Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology
Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.
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.
5 points per $1 on eligible groceries, dining, gas, transit and rideshare
1 point per $1 on other purchases
