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BMO Rewards @ 0.67¢/pt
BMO Eclipse Visa Infinite — Net Value & Math
Annual fee $120 · 2.5% FX · Insurance 5/10 · Lounge 0/10
Net value @ your spend
+$817
rewards $1,012 · credits $50 · fee −$120 · fx −$125
C1
Per-category math
rate × spend × ¢/pt = $ earned
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 0.67¢ | $402 |
| Dining | 5× | $8,000 | 0.67¢ | $268 |
| Travel | 1× | $10,000 | 0.67¢ | $67 |
| Gas | 5× | $4,000 | 0.67¢ | $134 |
| Recurring | 1× | $6,000 | 0.67¢ | $40 |
| All Other | 1× | $15,000 | 0.67¢ | $101 |
| Subtotal | $1,012 | |||
C2
When to swipe it
One card per situation
✓ Use when
- Groceries, dining, and gas — 5x BMO Rewards = 3.35¢/$ is the best rate available across these portfolios for everyday spend.
- Transit (subways, rideshare, taxis) — same 5x category.
- As the primary daily-spend card once the TD First Class $25k cap is hit on groceries/dining.
✗ Avoid when
- Travel bookings — only 1x; use TD First Class instead.
- Recurring bills / subscriptions — only 1x; use TD Aeroplan VIP or TD First Class.
- Foreign purchases — 2.5% FX exceeds the rewards earned.
- Trips needing strong insurance — insurance is mid-tier (5/10); upgrade to TD Aeroplan VIP for medical, trip cancel, mobile device.
C3
Cap Pools
No category caps on this card
Every bonus category on this card is uncapped — you earn the headline rate on every dollar of qualifying spend.
C4
Perks & insurance
Direct from the issuer
Notable perks
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Dining Series
- Visa Infinite Concierge
- Visa Infinite Troon Golf Benefit
- BMO PaySmart Installment Plans
Insurance
- Out-of-province/out-of-country emergency medical insurance up to $5 million (up to 15 days)
- Common carrier insurance
- Car rental collision/loss damage insurance
- Mobile Device Insurance up to $1,000
- Extended Warranty Insurance up to one additional year
- Purchase Security Insurance for 90 days