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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
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.6/5 |
Institution | BMO |
Loyalty Program |
Fees & Rates
Annual Fee | $120 (first year waived) |
Interest Rates | Purchase: 21.99% Cash Advance: 23.99%□ Balance Transfer: 23.99% □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $60,000 Household: $100,000 |
Bonuses
Welcome Bonus | Up to 60,000 points and first year fee waived |
Description | Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by 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. |
Rewards†
- 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 30,000 points on food, 30,000 points on groceries, 100,000 points on gas and 100,000 points on daily transit)
- 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
Legal
†BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
