Which has the lower annual fee, BMO eclipse Visa Infinite Privilege or CIBC Aventura Visa Infinite Privilege?

The CIBC Aventura Visa Infinite Privilege has a $499 annual fee, while the BMO eclipse Visa Infinite Privilege charges $599/year.

Which card is better for groceries, BMO eclipse Visa Infinite Privilege or CIBC Aventura Visa Infinite Privilege?

The BMO eclipse Visa Infinite Privilege earns 5x on groceries, while the CIBC Aventura Visa Infinite Privilege earns 2x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse Visa Infinite Privilege vs CIBC Aventura Visa Infinite Privilege — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

BMO eclipse Visa Infinite Privilege wins by $1,602/yr — strongest in groceries

BMO eclipse Visa Infinite Privilege earns $192 more on groceries
BMO eclipse Visa Infinite Privilege earns $82 more on dining & restaurants
$1,400 welcome bonus advantage
$100 higher annual fee, offset by rewards

Groceries: +$192Dining & Restaurants: +$82Gas: +$54

BMO eclipse Visa Infinite Privilege: $30/yr in foreign transaction fees

CIBC Aventura Visa Infinite Privilege: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$1,632

/first year

3.9% effective$136/mo

vs 1% no-fee card: +$1,213

Annual rewards earned+$861

Welcome bonus+$1,400

FX costs−$30

Annual fee−$599

$30

/first year

0.1% effective$2/mo

vs 1% no-fee card: −$389

Annual rewards earned+$559

FX costs−$30

Annual fee−$499

Best for your spendingBMO eclipse Visa Infinite Privilege—$1,632Year 1 value

+$1,602 more than CIBC Aventura Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

BMO eclipse Visa Infinite Privilege wins by $1,602/yr — strongest in groceries

BMO eclipse Visa Infinite Privilege earns $192 more on groceries
BMO eclipse Visa Infinite Privilege earns $82 more on dining & restaurants
$1,400 welcome bonus advantage
$100 higher annual fee, offset by rewards

Groceries: +$192Dining & Restaurants: +$82Gas: +$54

Showing Year 1 analysis

BMO eclipse Visa Infinite Privilege wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data