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

The BMO eclipse Visa Infinite has a $120 annual fee, while the enviro Visa Infinite Privilege charges $150/year.

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

The BMO eclipse Visa Infinite earns base rate on groceries, while the enviro Visa Infinite Privilege earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

enviro Visa Infinite Privilege wins by $320/yr — strongest in groceries

enviro Visa Infinite Privilege earns $192 more on groceries
enviro Visa Infinite Privilege earns $54 more on gas

Groceries: +$192Gas: +$54Dining & Restaurants: +$50

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

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

Showing Year 1 analysis

Dollar Value

$408

/first year

1.0% effective$34/mo

vs 1% no-fee card: −$11

Annual rewards earned+$68

Welcome bonus+$490

FX costs−$30

Annual fee−$120

Winner

$727

/first year

1.7% effective$61/mo

vs 1% no-fee card: +$308

Annual rewards earned+$457

Welcome bonus+$450

FX costs−$30

Annual fee−$150

Best for your spendingenviro Visa Infinite Privilege—$727Year 1 value

+$320 more than BMO eclipse Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

enviro Visa Infinite Privilege wins by $320/yr — strongest in groceries

enviro Visa Infinite Privilege earns $192 more on groceries
enviro Visa Infinite Privilege earns $54 more on gas

Groceries: +$192Gas: +$54Dining & Restaurants: +$50

Showing Year 1 analysis

enviro 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

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