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

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

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

The BMO eclipse Visa Infinite earns base rate on groceries, while the Scotiabank Passport Visa Infinite earns 1.6x. 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 has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite has no foreign transaction fee. The card with no FX fee is better for international purchases.

BMO eclipse Visa Infinite vs Scotiabank Passport Visa Infinite — Which Is Better? | Churnr

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

Scotiabank Passport Visa Infinite wins by $589/yr — strongest in groceries

Scotiabank Passport Visa Infinite earns $204 more on groceries
Scotiabank Passport Visa Infinite earns $53 more on dining & restaurants
Saves $30/yr in foreign transaction fees
$110 welcome bonus advantage

Groceries: +$204Dining & Restaurants: +$53Gas: +$29

BMO eclipse 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

$996

/first year

2.4% effective$83/mo

vs 1% no-fee card: +$578

Annual rewards earned+$396

Welcome bonus+$600

First-year fee waiver+$150

FX costsNo FX fee

Annual fee−$150

Best for your spendingScotiabank Passport Visa Infinite—$996Year 1 value

+$589 more than BMO eclipse Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

Scotiabank Passport Visa Infinite wins by $589/yr — strongest in groceries

Scotiabank Passport Visa Infinite earns $204 more on groceries
Scotiabank Passport Visa Infinite earns $53 more on dining & restaurants
Saves $30/yr in foreign transaction fees
$110 welcome bonus advantage

Groceries: +$204Dining & Restaurants: +$53Gas: +$29

Showing Year 1 analysis

Scotiabank Passport Visa Infinite 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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