Which has the lower annual fee, BMO eclipse Visa Infinite or RBC Avion Visa Infinite?

Both cards have the same annual fee of $120.

Which card is better for groceries, BMO eclipse Visa Infinite or RBC Avion Visa Infinite?

The BMO eclipse Visa Infinite earns base rate on groceries, while the RBC Avion Visa Infinite earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse Visa Infinite vs RBC Avion Visa Infinite — Which Is Better? | Churnr

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

RBC Avion Visa Infinite wins by $441/yr — strongest in groceries

RBC Avion Visa Infinite earns $123 more on groceries
RBC Avion Visa Infinite earns $35 more on gas
$170 welcome bonus advantage

Groceries: +$123Gas: +$35Dining & Restaurants: +$32

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

RBC Avion Visa Infinite: $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

$849

/first year

2.0% effective$71/mo

vs 1% no-fee card: +$430

Annual rewards earned+$339

Welcome bonus+$660

FX costs−$30

Annual fee−$120

Best for your spendingRBC Avion Visa Infinite—$849Year 1 value

+$441 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

RBC Avion Visa Infinite wins by $441/yr — strongest in groceries

RBC Avion Visa Infinite earns $123 more on groceries
RBC Avion Visa Infinite earns $35 more on gas
$170 welcome bonus advantage

Groceries: +$123Gas: +$35Dining & Restaurants: +$32

Showing Year 1 analysis

RBC Avion Visa Infinite 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

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