# BMO eclipse Visa Infinite Privilege drops 2.5% foreign fee

_Monday 19:09_

Tags: credit card, airline, hotel

Type: Program change

Expires: Oct 31, 2027

## Summary

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.

## Key facts

- **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.

[See all current card offers](https://thetravelsignal.com/now/card-offers.md)

## Sources cited

- [Prince of Travel](https://princeoftravel.com/news/bmo-eclipse-visa-infinite-privilege-card-refresh) — BMO eclipse Visa Infinite Privilege* Card Adds No FX Fees, More Lounge Visits, and a New Travel Credit

Older: [Capital One adds Copa at 2:1.5 with 30% bonus to Dec 1](https://thetravelsignal.com/s/copa-added-as-new-capital-one-transfer-partner-2-1-5-30-launch-transfer-bonus.md)
Newer: [Targeted: Amex $20 credit on $100 Lululemon spend to January 31, 2027](https://thetravelsignal.com/s/targeted-amex-offer-lululemon-spend-100-receive-20-statement-credit.md)

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