BMO · Rewards Calculator
BMO eclipse Visa InfiniteRewards Calculator
| Category | Earn Rate |
|---|---|
| Groceries | 5 points per $1 |
| Gas & transit | 5 points per $1 |
| Dining out | 5 points per $1 |
| Takeout & food delivery | 5 points per $1 |
| All other purchases | 1 point per $1 |
Enter Your Monthly Spending
We'll calculate your BMO Rewards points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your BMO Rewards points earnings with the BMO eclipse Visa Infinite.
Or try a quick-fill preset to get started
Ready to apply for the BMO eclipse Visa Infinite?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your BMO Rewards points.
Welcome Bonus
Bonus
Up to 70,000 BMO Rewards points
~$467 estimated value
How to Earn It
30,000 BMO Rewards points
Spend $4,000 first 110 days
20,000 BMO Rewards points
Spend $7,000 first 6 months
20,000 BMO Rewards points
Spend $12,000 first year
Card Details
- Annual Fee
- $120/yr (1st year waived)
- Additional Card Fee
- $50
- Network
- Visa
- Rewards Program
- BMO Rewards
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 23.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $60,000
- Lounge Access
- No
Insurance & Perks
- Out-of-province/out-of-country emergency medical insurance
- Common carrier insurance
- Car rental collision/loss damage insurance
How to Use the BMO eclipse Visa Infinite Rewards Calculator
This calculator helps you estimate how many BMO Rewards points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the BMO eclipse Visa Infinite's earn rates to show you a complete breakdown.
Understanding BMO eclipse Visa Infinite Earn Rates
The BMO eclipse Visa Infinite earns BMO Rewards points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Groceries: 5 points per $1
- Gas & transit: 5 points per $1
- Dining out: 5 points per $1
- Takeout & food delivery: 5 points per $1
- All other purchases: 1 point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the BMO eclipse Visa Infinite. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your BMO Rewards points
The true value of your BMO Rewards points depends on how you redeem them. As part of the BMO Rewards program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $120 Annual Fee Worth It?
The BMO eclipse Visa Infinite carries an annual fee of $120. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.