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Earn on groceries, takeout, food delivery, rideshare, gas and transit.²

Welcome offer:

Get up to $1,150 $1,200 in value including up to 70,000 80,000 bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.¹

Plus, get a 0% introductory interest rate on Balance Transfers for 12 months with a 2% transfer fee.^∆∆∆

Earn 5x the BMO Rewards points on groceries, takeout, food delivery, rideshare, gas and transit.  Then, get 1 BMO Reward for every $1 spent on everything else!

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Get a $50 anniversary lifestyle credit to spend however you want.

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Earn 10% more points when you add an authorized user to your account.

Pay with Points by browsing your recent transactions and redeem your points for as little as $1.

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Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.¹²⁰

Our BMO eclipse Visa Infinite* Card has received nation-wide recognition.

Winner of the 2026 Rates.ca Best Rewards Card for Young Professionals

Winner of the 2025 Rates.ca Best Card for Young Professionals

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$120 $0

7

21.99%

23.99%

7

Annual fee

Interest rate

Cash advances

The annual fee is waived in the first year– a savings of $120.⁷

(21.99% for Quebec residents)

Minimum $60,000 (individual) or $100,000 (household) annual income required 

OR

Minimum $15,000 declared current annual spend.

Earn more (a lot more) on your daily needs and wants.

Groceries

Dining in or out

You need to eat, why not get rewarded at the same time? Earn 5x the points on groceries. 

 You’ve got great taste! Earn 5x the points for dining out, getting drinks after work or ordering in.

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Gas

Transit

Ready to hit the road? You're in luck. Get 5x the points each time you fill up. 

Get rewarded no matter how you roll. Earn 5x the points on ride sharing, public transit and more.

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Plus, earn 1 point for every $1 spent on everything else  – there’s so much points potential out there.

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for the BMO eclipse Visa Infinite* Card

We'll respond in under 60 seconds.

Treat yourself with BMO Rewards and Pay with Points. Perfect for life’s little pleasures like your morning flat white, tickets to a matinee or a bouquet of flowers just because.

3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!

1. Sign into bmorewards.com and select the Pay with Points tab.

2. Browse your recent transactions and select which eligible purchase you want to redeem points for.

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Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you're using it.

Can't find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

Stay on top of your spending with a personalized look at your money. 

Log in to your mobile or online banking for free, 24/7 access to CreditView. 

Resolve an issue with your statement or reset your PIN directly  from your mobile app. 

$120

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7

7

23.99%

21.99%

Annual fee

Interest rate

Cash advances

(21.99%

7

              for Quebec residents)

Minimum $60,000 (individual) or $100,000 (household) annual income required.

See full list of Terms and Conditions

Important Information on Rates and Fees

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