BMO · Visa
BMO eclipse Visa Infinite Card
≈ $379.28 a year after fees, on a typical budget
- Annual fee
- $120
- Earns
- BMO Rewards
- FX fee
- 2.5%
- 5×Grocery, dining, gas & transit *
- 1×Everything else
BMO CashBack World Elite Mastercard
- Yearly value, after fees
- ≈ $428.40
- Annual fee
- $120.00/year
- Foreign transaction fee
- 2.5%
- Network
- Mastercard
Earn rates
| On | Earns |
|---|---|
| GroceryCapped | 5% |
| TransitCapped | 4% |
| Gas & EV chargingCapped | 3% |
| Recurring billsCapped | 2% |
| Everything else | 1% |
"pts/$" means points per dollar. Rewards are earned in Cash back.
Spending caps
- 5% applies to the first $500 of grocery spending each month.
- 4% applies to the first $300 of transit spending each month.
- 3% applies to the first $300 of gas spending each month.
- 2% applies to the first $500 of recurring bills each month.
What it earns in a year
On a typical Canadian budget of $1,850 a month, at Fruga's default value of $1.00 per $1 of cash back:
- Rewards
- $548.40
- Annual fee
- − $120.00
- Net yearly value
- $428.40
Welcome bonuses are not included. How we calculate this.