BMO Eclipse Visa Infinite Privilege
70,000 BMO Rewards points (~$490 travel value) + $200 lifestyle credit
$5,000 spend in 3 months + $499 annual fee
Annual fee: $499/year
BMO credit cards
The best BMO Bank of Montreal credit cards in Canada for 2026.
BMO's credit card portfolio is built around the BMO Rewards program, which redeems for travel, gift cards, and statement credits. The BMO Eclipse Visa Infinite Privilege and the no-FX BMO Ascend World Elite Mastercard are their standout flagship cards.
Income range
$60,000+ for Visa Infinite tier, $80,000+ for Privilege tier
Credit score
680+ for entry, 750+ for Privilege tier
Best for
BMO banking clients, lifestyle perks (BMO Eclipse includes $200 annual lifestyle credit)
BMO card lineup
All 2 BMO cards we’ve tested.
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BMO Ascend World Elite Mastercard
60,000 BMO Rewards points (~$420 travel value)
$3,000 spend in 3 months
Annual fee: $150/year
About BMO cards
What to know before applying.
BMO Bank of Montreal offers a tiered credit card lineup from the no-fee BMO CashBack Mastercard up to the premium BMO Eclipse Visa Infinite Privilege. Their BMO Rewards points are competitive but the strongest card in the lineup is actually the BMO Ascend World Elite — one of only three mainstream Canadian credit cards with zero foreign transaction fees.
Best for
BMO banking clients, lifestyle perks (BMO Eclipse includes $200 annual lifestyle credit)
Not for
Pure travel rewards seekers (Aeroplan/Avion deliver more per dollar), Canadians who don't bank with BMO
FAQ
Common questions about BMO cards.
What is BMO Rewards worth?
BMO Rewards points are typically worth 0.7-1.0 cents each. The exact redemption value depends on what you redeem for: travel through BMO's portal delivers ~1 cent, gift cards deliver ~0.7-0.8 cents, statement credits deliver ~1 cent. BMO Rewards doesn't transfer to airline loyalty programs.
Is the BMO Eclipse Privilege worth the $499 fee?
For travelers who use the unlimited Priority Pass lounge access and the $200 annual lifestyle credit, yes — net positive by $100-300/year on typical use. For occasional travelers, the regular BMO Eclipse Visa Infinite at $120/year is the better choice.
Does BMO Ascend really have 0% FX?
Yes. The BMO Ascend World Elite Mastercard charges 0% foreign transaction fee on every non-CAD purchase. It's a Mastercard so acceptance is wider than Amex globally. The trade-off vs the Scotia Passport: BMO Rewards is less valuable than Scene+ in most use cases.
Do I need to bank with BMO to get an Eclipse card?
No. BMO Eclipse cards are available to non-BMO clients with the same standard offers. BMO customers sometimes see elevated welcome bonuses or pre-approvals.