BMO
BMO eclipse Visa Infinite
Elevate your everyday with 5x BMO Rewards points on groceries, dining, gas and transit. Add an authorized user and earn 10% more points on all purchases.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$120
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 5 BMO Rewards points per $1 on groceries, dining, gas and transit
- 1 pt/$1 on everything else
- 10% more points on all purchases when you add an authorized user
Rates & fees
| Annual fee | $120 |
|---|---|
| Supplementary card fee | $50 per additional card |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | Promotional balance transfer offers of 3 to 24 months are available; rate and term vary by offer |
| Balance transfer rate | 23.99% (21.99% for Quebec residents) |
| Balance transfer fee | Up to 5% of the amount transferred; disclosed with each specific promotional offer (commonly 2%) |
| Cash advance | 1.00% of the advance or minimum $5.00; cash advance APR 23.99% (21.99% in Quebec) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.