Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$633.43
$312.43 in years after
Annual Rewards
$432.43
BMO Rewards
First Year Bonus
$201
BMO Rewards
Annual Fee
$120
$0
First Year Waived
First Year Value
$633.43
$312.43 in years after
Interest Rates
Cash Advance: 23.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 23.99%
Annual Fee
$120
$0
First Year Waived
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Good
Welcome Bonus
Apply for the BMO eclipse Visa Infinite card by November 30, 2024, to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, plus an additional 2,500 points monthly for up to 12 months by spending $2,000 each month. The $120 annual fee is waived for the first year.
Card Type
Category: Points
Loyalty Program: BMO Rewards
Our Rating
3.6/5
Institution
BMO
Rewards
- 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 250,000 points)
- 1 point per $1 spent on all other purchases
BMO eclipse Visa Infinite* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Food and drinks, Groceries, Gas, Transportation
51,861 points
All other purchases
12,681 points
Annual Fee
- $120
Net Annual Rewards
64,542 points
Valued at $312.43 (after fees)
Rewards Summary
Net Annual Rewards
64,542 points
Valued at $312.43 (after fees)
First Year Card Bonus
30,000 points
Valued at $201
First Year Card Value
64,542 points
Valued at $633.43
Point Redemptions
Redemptions Chart
Travel
$513.43
Financial products
$513.43
Entertainment and Experiences
$485.07
Statement Credits
$352.71
Gift Cards
$333.8
Merchandise
$305.44
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000
Travel Accident
$500,000
Emergency Out of province Medical
15 days
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Car Rental Damage & Theft
yes
Benefits
Details
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
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Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member
Anniversary Credit
Get a $50 anniversary lifestyle credit
Pros & Cons
Pros
- Earn up to 60,000 BMO Rewards points.
- 5x points on dining, groceries, gas, and transit.
- $50 annual lifestyle credit.
- 10% bonus points when adding an authorized user.
- First-year annual fee waived.
Cons
- Low point value of 0.67 cents per point.
- High income requirements ($60,000 personal or $100,000 household).
- Only 6 types of insurance coverage included.
MX Connect
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