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

The BMO eclipse Visa Infinite has a $120 annual fee, while the RBC British Airways Visa Infinite charges $165/year.

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

The BMO eclipse Visa Infinite earns base rate on groceries, while the RBC British Airways Visa Infinite earns 2.3%. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

RBC British Airways Visa Infinite edges ahead by $178/yr

RBC British Airways Visa Infinite earns $288 more on groceries
RBC British Airways Visa Infinite earns $84 more on bills & utilities

Groceries: +$288Bills & Utilities: +$84Gas: +$81

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

RBC British Airways 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

$585

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$166

Annual rewards earned+$780

FX costs−$30

Annual fee−$165

Best for your spendingRBC British Airways Visa Infinite—$585Year 1 value

+$178 more than BMO eclipse Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

RBC British Airways Visa Infinite edges ahead by $178/yr

RBC British Airways Visa Infinite earns $288 more on groceries
RBC British Airways Visa Infinite earns $84 more on bills & utilities

Groceries: +$288Bills & Utilities: +$84Gas: +$81

Showing Year 1 analysis

RBC British Airways 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

Found an error? Report incorrect data