"How much are BMO points worth in Canadian dollars?"

"BMO points earned on the BMO eclipse Visa Infinite are worth approximately 0.67–1.0 cents CAD each. Redeeming 35,000 points covers $250 in travel — approximately 0.71 cents per point. Points can also be applied toward any travel purchase at a 1:100 ratio ($1 per 100 points = 1.0 cent per point), making travel statement credits the best use of BMO points."

"What categories earn 5x BMO points on the eclipse Visa Infinite?"

"The BMO eclipse Visa Infinite earns 5 BMO points per $1 on groceries, dining and takeout, gas and EV charging, transit, and eligible drug store purchases. All other purchases earn 1 BMO point per $1. The 5x categories cover most household day-to-day spending, making the card effective for families."

"Can BMO points be transferred to airline programmes?"

"BMO points earned on the eclipse Visa Infinite cannot be directly transferred to airline loyalty programmes. They are redeemed through BMO's travel portal or as statement credits against travel purchases. For airline miles, BMO offers the BMO AIR MILES cards (earning AIR MILES) or the BMO Rewards programme on other BMO cards."

"What is the annual fee on the BMO eclipse Visa Infinite?"

"The BMO eclipse Visa Infinite carries an annual fee of $120. It includes an annual lifestyle credit of $50, effectively reducing the net cost to $70 for cardholders who use the credit. A $0 supplementary card fee applies for the first year for up to three additional cardholders."

"How do BMO points compare to Scotiabank Scene+ or TD Rewards?"

"BMO points on the eclipse Visa Infinite deliver approximately 0.71–1.0 cents per point for travel, which is comparable to TD Rewards (0.5 cents via Expedia for TD) but lower than Aeroplan (1.5+ cents for flights). BMO eclipse's advantage is its 5x earn rate on everyday categories, which can generate points faster than flat-rate or lower-multiplier cards. Scene+ is competitive for grocery and entertainment earn, particularly at Sobeys and Cineplex."

BMO Points Calculator Canada 2026: How Many Points Will You Earn?

Enter your monthly spending below to calculate how many BMO points you would earn per year and what they are worth in CAD. Earn rates are based on the BMO eclipse Visa Infinite, the flagship BMO points card.

BMO Points Calculator

Based on BMO eclipse Visa Infinite earn rates. Enter your typical monthly spending below.

Groceries ($/month) 5 pts per $1

Dining & restaurants ($/month) 5 pts per $1

Gas & EV charging ($/month) 5 pts per $1

Transit & drug stores ($/month) 5 pts per $1

All other spending ($/month) 1 pt per $1

Point value (cents per point) 0.71¢ = 35,000 pts / $250 travel redemption

Your estimated annual earn

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Estimates only. Verify earn rates with BMO before applying. Point value varies by redemption method.

BMO Points Value Reference

Points Balance	Travel statement credit (~0.71¢/pt)	1:100 travel purchases (1.0¢/pt)
15,000 pts	~$107	$150
35,000 pts	$250	$350
70,000 pts	$500	$700
100,000 pts	$710	$1,000

BMO eclipse Visa Infinite vs. BMO CashBack World Elite

	BMO eclipse Visa Infinite	BMO CashBack World Elite Mastercard
Annual fee	$120	$120
Earn type	BMO Points	Cash back
Best category earn	5x on groceries/dining/gas	Up to 5% on groceries
Redemption	Travel & statement credits	Automatic statement credit
Best for	Points optimisers	Simplicity seekers

Tips for Maximising BMO Points

Concentrate spend in 5x categories: Groceries, dining, gas, transit, and drug stores all earn 5x — maximising these categories dramatically outpaces the 1x base rate
Use the $50 lifestyle credit: The BMO eclipse Visa Infinite includes a $50 annual lifestyle credit — claim it early in the card year to offset the annual fee
Redeem against travel purchases: Applying points as a travel statement credit at 1¢/point is better than the 35,000 pts = $250 travel portal rate (0.71¢/point)
Add supplementary cardholders: First-year supplementary cards are free — adding a partner or family member multiplies earning in household categories