How do I unlock the full 80,000-point welcome bonus on the BMO eclipse Visa Infinite Card?

You earn 40,000 BMO Rewards points after spending $3,000 within the first three months of card opening. The remaining 30,000 points come from spending at least $2,000 per month during months 4 through 15, while the final 10,000-point boost is earned by adding an authorized user. Combined with the first-year annual fee waiver of $120, this stacked structure makes the eclipse one of the highest-value Visa Infinite welcome bonuses currently available in Canada. Always confirm the offer is still live before applying through our exclusive Milesopedia link.

What earning categories make the BMO eclipse Visa Infinite worth keeping long-term?

The card earns 5 points per dollar on groceries, dining, food delivery, ridesharing, public transit, and gas, which is one of the broadest 5x category mixes among Canadian Visa Infinite cards. Adding an authorized user for $50 unlocks a permanent 10% bonus on every point you earn, effectively boosting your 5x categories to 5.5x. With BMO Rewards valued at roughly $0.0067 per point on travel redemptions, heavy spenders in these everyday categories often see returns above 3.3% on bonus spending, which beats most cashback Visa Infinite competitors.

Is the $120 annual fee on the BMO eclipse Visa Infinite worth paying after year one?

The card includes an annual $50 lifestyle credit that you can apply toward streaming, fitness, mobile, or food delivery subscriptions, which immediately drops the effective cost to $70. Add a partner as an authorized user, and the recurring 10% bonus on points typically generates more than $70 in extra value for cardholders spending $10,000 or more per year in 5x categories. Travel insurance is solid for a Visa Infinite, including emergency medical, trip cancellation, and rental car coverage. Most users justify renewal easily if they actively use the lifestyle credit.

What income do I need to qualify for the BMO eclipse Visa Infinite Card?

BMO requires a minimum personal annual income of $60,000 or a household income of $100,000 to qualify, which is the standard Visa Infinite threshold across all major Canadian issuers. You'll also need a fair to good credit score, generally 700 or higher, and a clean recent application history with BMO. If you don't meet the income threshold, the no-fee BMO eclipse rise Visa is a solid alternative with no minimum income requirement and a still-attractive 25,000-point welcome offer.