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BMO CashBack® World Elite® Mastercard®
BMO eclipse rise Visa* Card
Welcome Bonus
Get up to $335 in additional cash back including 10% cash back in your first 3 months.** Plus, BMO will waive the $120 annual fee in the first year.**
Welcome Bonus
Get 20,000 points when you spend $1,500 in the first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. Plus, earn up to 5,000 bonus points every year (2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points + 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months). Offer ends on January 31, 2026.
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Our Cash Offer
$75 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$500.78
First Year Bonus Value
+
$184
Annual Fee
-
$120
$0
First Year Waived
Finly Rebate
+
$100Exclusive Offer
First Year Value
$784.78
$380.78 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$144.23
BMO Rewards
First Year Bonus Value
+
$134
BMO Rewards
Annual Fee
-
$0
Finly Rebate
+
$75Exclusive Offer
First Year Value
$353.23
$144.23 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
How to Earn Rewards
Insurance Included
Extended Warranty
Purchase Protection
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Hotel Burglary Insurance
Emergency Out of province Medical
Flight Delay
Insurance Included
Extended Warranty
Purchase Protection
Mobile Device Insurance
Extra Benefits
Gas Discount
Car Rental Discount
Airport Lounge - Dragon Pass
Roadside Assistance
Hotel Booking Discount
Global Data Roaming plan
Extra Benefits
Gas Discount
Extra points
Extra points
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Interest Rates
Purchase:
21.99%2
Cash Advance:
23.99%2
Balance Transfer:
23.99%2
2 Terms and conditions apply. Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.
Annual Fee
$120
$0$
First Year Waived
Annual Fee
$0
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Travel
Financial Products
Entertainment
Statement Credits (Cash)
Gift Cards
Merchandise
Is this card worth it?
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
Is this card worth it?
The BMO Eclipse Rise Visa is an excellent choice for those who want to earn rewards without paying an annual fee. It offers solid bonus categories like dining, groceries, and bills, and includes rare perks such as mobile device insurance. The card is ideal for newcomers or those looking to build their credit while enjoying the benefits of a no-fee rewards card with simple, everyday earnings. If you frequently spend in the bonus categories, this card provides good value without any added costs.
Pros
Pros
Cons
Cons
vs BMO AIR MILES® Mastercard®*
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vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs BMO AIR MILES® Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO AIR MILES® World Elite®* Mastercard®*
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO eclipse Visa Infinite* Card
vs BMO VIPorter World Elite Mastercard®∗
vs BMO Preferred Rate Mastercard®
vs BMO eclipse Visa Infinite Privilege* Card
Legal
**BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
BMO CashBack World Elite Mastercard applications must be received between March 24, 2025, and January 31, 2026, to be eligible for this offer. This bonus offer is limited to new BMO CashBack World Elite Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, product transfer, or who open a new account. Limit of one bonus offer per account. If you cancel your card within ninety (90) days from the date your account is opened, all CashBack rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
Annual Fee waiver: The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The annual fee waiver offer does not apply to the Additional Card annual fee. First year annual fee waiver offer is limited to new BMO CashBack World Elite Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, product transfer, or who open a new account.
The combined value of up to $335 in additional cash back is based on the following:
a) The 10% earn rate applies to qualified spend up to $2,600 (up to $500 qualified spend in grocery, up to $300 qualified spend in transit, up to $300 qualified spend in gas and electric vehicle charging, up to $500 qualified spend in recurring bill payments, and up to $1000 qualified spend on all other purchases) (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the welcome offer period, with a maximum of $260 cash back. Please see details as follows:
b) $75 (seventy-five dollar) Cash Bonus Offer: Receive a one- time cash back bonus of $75 after you spend a minimum of $25,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months of your account open date. The one-time cash back bonus of $75 will be reflected on your Credit Card statement twelve (12) months after the Credit Card open date under “Bonus Cash back Earned”.
* Terms and conditions apply.
Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.