The BMO eclipse Visa Infinite Card earns up to 5x on dining and carries a $120 annual fee (first year free). We estimate around $839 in first-year value. Figures are illustrative — verify current terms with BMO.
At a glance
Annual fee
$120
Welcome bonus
~$839
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.99%
Rewards & earn rates
Dining
5x
Everything Else
1x
Welcome offer: Up to ~$839 in first-year value.
Pros & cons
Pros
Earns 5x on dining
Strong first-year value (~$839)
First Year Free on the annual fee
Cons
2.5% foreign transaction fee
Perks & insurance
Key perks
Insurance
Rates & fees
Annual fee
$120
Purchase interest
20.99%
Cash advance
22.99%
Foreign transactions
2.5%
Min. personal income
$60,000
First Year Free.
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
