What happened
BMO eclipse Visa Infinite Privilege moved existing cardholders to new terms on November 2, 2026, dropping the 2.5% foreign-transaction fee at the same $599 annual fee. Visa Airport Companion lounge visits rose from 6 to 10 a year and require enrolment before the first visit.
The $200 lifestyle credit is now a $200 travel statement credit after one $500 or larger airfare, hotel or car-rental charge, posting within 30 business days. Smaller purchases cannot be combined. Travel-agency and OTA bookings may not trigger the credit. Health and wellness now earns 5x and drugstores no longer do. The card still uses a standard exchange rate and does not earn 5x abroad. An extra cardholder for $99 a year raises earning 25% for as long as BMO keeps that introductory boost.
New cardholders applying through October 31, 2027 can still earn 200,000 points, now after $40,000 spend in 12 months, down from $75,000. The first 110 days earn 80,000 points after $10,000, versus the old $6,000 first-tier spend. Enrol in Visa Airport Companion before the first lounge visit and use one $500+ direct travel purchase to trigger the credit.
- Starts
- Nov 2, 2026
- Numbers
- $599: unchanged annual fee
- 2.5%: former foreign transaction fee
- 10 visits: airport lounge visits per year
- $200: annual travel credit replacing the lifestyle credit
- $500: minimum single purchase to trigger the travel credit
- 5x multiplier: earning rate added for health and wellness
- 200,000 points: maximum welcome bonus
- $40,000: spend required for the full welcome bonus
- $75,000: previous spend required for the full welcome bonus
- $10,000: first-tier welcome bonus spend in 110 days
- 80,000 points: first-tier welcome bonus
- $20,000: second-tier welcome bonus total spend
- $6,000: previous first-tier spend requirement
- $100,000: combined annual 5x category caps
- $99: additional cardholder annual fee
- 25%: introductory extra-cardholder earning boost
- Who qualifies
- Existing BMO eclipse Visa Infinite Privilege cardholders receive the new terms; the welcome bonus is for new cardholders on applications received through October 31, 2027.
- Takeaway
- Enrol in Visa Airport Companion, put a $500+ direct airline, hotel, or car-rental charge on the card for the credit, and apply for the 200,000-point bonus while full earn requires only $40,000 spend.