Which has the lower annual fee, BMO eclipse Visa Infinite or Rogers Red WE?

The Rogers Red WE has no annual fee, while the BMO eclipse Visa Infinite charges $120/year.

Which card is better for groceries, BMO eclipse Visa Infinite or Rogers Red WE?

The BMO eclipse Visa Infinite earns base rate on groceries, while the Rogers Red WE earns 1.5%. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse Visa Infinite vs Rogers Red WE — Which Is Better? | Churnr

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

Rogers Red WE edges ahead by $159/yr

Rogers Red WE earns $192 more on groceries
Rogers Red WE earns $60 more on travel
$120 lower annual fee

Groceries: +$192Travel: +$60Gas: +$54

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

Rogers Red WE: $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

$566

/first year

1.4% effective$47/mo

vs 1% no-fee card: +$147

Annual rewards earned+$556

Welcome bonus+$40

FX costs−$30

Annual fee−$0

Best for your spendingRogers Red WE—$566Year 1 value

+$159 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

Rogers Red WE edges ahead by $159/yr

Rogers Red WE earns $192 more on groceries
Rogers Red WE earns $60 more on travel
$120 lower annual fee

Groceries: +$192Travel: +$60Gas: +$54

Showing Year 1 analysis

Rogers Red WE 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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