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

The BMO eclipse Visa Infinite has a $120 annual fee, while the Visa Infinite charges $130/year.

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

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

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

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

BMO eclipse Visa Infinite edges ahead by $110/yr

Visa Infinite earns $192 more on groceries
Visa Infinite earns $54 more on gas
$490 welcome bonus advantage

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

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

Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$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

$297

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$122

Annual rewards earned+$457

FX costs−$30

Annual fee−$130

Best for your spendingBMO eclipse Visa Infinite—$408Year 1 value

+$110 more than Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

BMO eclipse Visa Infinite edges ahead by $110/yr

Visa Infinite earns $192 more on groceries
Visa Infinite earns $54 more on gas
$490 welcome bonus advantage

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

Showing Year 1 analysis

Year-over-Year

Year 1

BMO eclipse Visa Infinite

by $110 — welcome bonus advantage

Year 2+

Visa Infinite

by $380 — ongoing earn advantage

BMO eclipse Visa Infinite wins Year 1 thanks to a better welcome bonus, but Visa Infinite earns more ongoing. Consider how long you plan to hold the card.

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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