Which has the lower annual fee, BMO eclipse Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

Both cards have the same annual fee of $599.

Which card is better for groceries, BMO eclipse Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

The BMO eclipse Visa Infinite Privilege earns 5x on groceries, while the Scotiabank Passport Visa Infinite Privilege earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The BMO eclipse Visa Infinite Privilege has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite Privilege has no foreign transaction fee. The card with no FX fee is better for international purchases.

BMO eclipse Visa Infinite Privilege vs Scotiabank Passport 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 $831/yr — strongest in groceries

BMO eclipse Visa Infinite Privilege earns $345 more on groceries
BMO eclipse Visa Infinite Privilege earns $97 more on gas
Saves $30/yr in foreign transaction fees
$400 welcome bonus advantage

Groceries: +$345Gas: +$97Dining & Restaurants: +$63

BMO eclipse 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

$801

/first year

1.9% effective$67/mo

vs 1% no-fee card: +$382

Annual rewards earned+$400

Welcome bonus+$1,000

FX costsNo FX fee

Annual fee−$599

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

+$831 more than Scotiabank Passport 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 $831/yr — strongest in groceries

BMO eclipse Visa Infinite Privilege earns $345 more on groceries
BMO eclipse Visa Infinite Privilege earns $97 more on gas
Saves $30/yr in foreign transaction fees
$400 welcome bonus advantage

Groceries: +$345Gas: +$97Dining & Restaurants: +$63

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 Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data