Earn rates

Spending category Earn rate Annual cap Value per $100 spent
Eligible travel purchases 5 pts / $1 $15,000/yr ~$0.33
Dining (restaurants, food delivery) 3 pts / $1 $10,000/yr ~$0.20
Entertainment 3 pts / $1 $10,000/yr ~$0.20
Recurring bill payments 3 pts / $1 $10,000/yr ~$0.20
Everything else 1 pt / $1 None ~$0.07

BMO Rewards points are worth a fixed 0.67¢ each (150 pts = $1) on travel purchases. The 5x and 3x earn rates apply up to the annual category caps shown above; verify current caps with BMO before applying.

Benefits

Benefit Details
Airport lounge access Four complimentary lounge visits per year via Mastercard Travel Pass powered by DragonPass. Access to 1,300+ lounges worldwide. Additional visits available at a per-visit rate.
NEXUS statement credit Statement credit toward a NEXUS membership application in the first year of card ownership. NEXUS speeds up Canada–US border crossings at eligible land, air, and marine ports.
Welcome bonus Up to 100,000 BMO Rewards points (~$667 in travel). Earned in tiers; verify current thresholds and offer details with BMO before applying.
Travel insurance Out-of-province/country emergency medical, trip cancellation and interruption, flight delay, delayed and lost baggage, and rental car collision/damage. Verify current coverage limits in the certificate of insurance.
Mastercard World Elite benefits Mastercard Travel Pass lounge access (above), Boingo Wi-Fi, and Mastercard World Elite hotel and car rental benefits.
Mobile device insurance Coverage for mobile devices purchased on the card against theft, loss, or damage.

What your monthly spend earns

Monthly spend $2,500
Category Monthly spend Rate Monthly pts
Travel $375 5x 1,875
Dining, entertainment & recurring bills $625 3x 1,875
All other spending $1,500 1x 1,500
Total $2,500 5,250 pts / mo

63,000 pts / year (~$420 in travel). After the $150 fee, net earn value ~$270. If your spend skews heavily toward groceries and everyday categories, the eclipse Visa Infinite earns 5x on those instead.

Good fit if

  • You spend meaningfully on travel and want to earn 5x on those purchases specifically. The 3x rate on dining, entertainment, and recurring bills stacks well for cardholders who also eat out regularly or have meaningful subscription and utility costs.
  • You travel through airports occasionally and will use the four annual lounge passes. At a moderate value per pass, the lounges alone can offset most of the annual fee.
  • You want lounge access and a travel-first earn structure without the premium-card fee of the eclipse Privilege.

Less useful if

  • Your biggest spend categories are groceries, gas, or drugstore purchases. The eclipse Visa Infinite earns 5x on all of those for $30 less per year.
  • You rarely travel and don’t use airport lounges. The lounge passes are the primary benefit differentiating this card from a basic flat-rate card.
  • You want maximum cents per point. Like all BMO Rewards cards, the Ascend caps at 0.67¢/pt — programs like Aeroplan can return more on the right redemptions.
eclipse Visa Infinite → eclipse Privilege → BMO Rewards program →