Amex Cobalt vs BMO Eclipse Visa Infinite
Cobalt wins on point value; Eclipse wins on Visa acceptance and gas coverage.
Updated June 10, 2026 · 4 min read · By Loyalty Concierge Editorial
AMEX · AMEX
American Express Cobalt Card
Annual fee $192 · FX 2.5%
Best for: Foodies, Groceries and dining
View card details →BMO · VISA
BMO Eclipse Visa Infinite
Annual fee $120 · FX 2.5%
Best for: Everyday Visa spenders
| Feature | American Express Cobalt Card | BMO Eclipse Visa Infinite |
|---|---|---|
| Annual fee | $191.88 | $120.00 |
| Welcome bonus | Up to 15,000 MR points in year one (1,250/month for 12 months). | Up to 60,000 BMO Rewards points. |
| Earn rates | 5x MR on Groceries & dining; 3x MR on Streaming; 2x MR on Gas, transit, travel; 1x MR on Everything else | 5x on Grocery, dining, gas, transit; 1x on Everything else |
| Insurance | Travel emergency medical, Trip cancellation & interruption, Mobile device | Travel emergency medical, Trip cancellation |
| Lounge access | — | — |
| FX fees | 2.5% | 2.5% |
| Network / acceptance | AMEX | VISA |
| Transfer partners | Aeroplan, Marriott Bonvoy, British Airways Avios | — |
| Best for | Foodies with Aeroplan travel plans | Anyone who needs Visa acceptance and drives regularly |
Verdict
Cobalt for value, Eclipse if you need Visa or spend heavily on gas/transit.
American Express Cobalt Card
Pros
- +Best-in-class grocery + dining earn
- +Points transferable to Aeroplan
Cons
- −Monthly $15.99 fee
- −Weaker acceptance
- −2.5% FX
BMO Eclipse Visa Infinite
Pros
- +Strong 5x categories
- +Visa acceptance
Cons
- −BMO Rewards ~0.7¢ redemption