BMO Eclipse Rise Visa Card

BMO eclipse rise Visa* Card

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bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

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BMO eclipse rise Visa* Card vs BMO eclipse Visa Infinite Privilege* Card: Which one is better?


BMO Eclipse Rise Visa Card

BMO eclipse rise Visa* Card

3.5


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

bmo eclipse visa infinite privilege

BMO eclipse Visa Infinite Privilege* Card

3


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$144.23

BMO Rewards


First Year Bonus Value

$134

BMO Rewards


Annual Fee

$0


First Year Value

$278.23

$144.23 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$490.32

BMO Rewards


First Year Bonus Value

$0

BMO Rewards


Annual Fee

$599


First Year Value

-$108.68

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

Insurance Included*

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    triples up to 2 years
  • purchase protection

    Purchase Protection

    120 days

  • lost baggage

    Lost or Stolen Baggage

    $1,000/person, $2,500/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1K/trip
  • car insurance

    Car Rental Damage & Theft

    $85,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/person
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 22 days/person
  • travel accident medical

    Emergency Medical Over 65

    $5M up to 3 days/person
  • cancel airplane

    Trip Cancellation

    $2,500/person, $5,000 trip
  • pause

    Trip Interruption

    $5,000/person, $25,000 trip
  • hourglass timer

    Flight Delay

    $1,000

Extra Benefits*

  • gas station

    Gas Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
  • reward cup

    Extra points

    2,500 bonus points per year for paying full credit card bill on time for 12 consecutive months
  • reward cup

    Extra points

    Another 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with Points

Extra Benefits*

  • gas station

    Gas Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
  • reward cup

    Extra points

    Earn 25% more points on all purchases when you add an authorized user to your account

  • exclusive

    Visa Infinite Exclusive Benefits

    Visa Infinite luxury hotel collection, dining series and wine country
  • alcohol cheers

    Airport Lounge - Dragon Pass

    Visa Airport Companion membership and 6 complimentary airport lounge visits per year
  • concierge

    Concierge Services

    Visa Infinite Privilege Concierge like having a personal assistant on speed dial
  • airport waiting room

    Priority Travel

    Priority Security Lane, airport parking and valet service discounts at select Canadian airports
  • golf clubs

    Golf Benefit

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
  • finance money dollar

    Anniversary Credit

    $200 anniversary lifestyle credit

Interest Rates*

Purchase:

21.99%1

Cash Advance:

23.99%1

Balance Transfer:

23.99%1

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Annual Fee*

$0

Annual Fee*

$599

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

$150,000

Min Household Income:

$200,000

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).

Welcome Bonus*

50,000 points when you spend $6,000 in the first 3 months, plus 30,000 points when you spend at least $30,000 in the first 6 months. Receive an additional 40,000 points when you spend at least $75,000 in the first year.

Rewards Rate*

  • 2.5x points per $1 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category)
  • 0.5x point per $1 spent on all other eligible purchases

Rewards Rate*

  • 5x points per $1 spent on grocery, dining, gas, drugstore and travel related purchases (maximum 125,000 points on dining, 125,000 points on travel, 100,000 points on groceries, 75,000 points on gas, 75,000 poitns on drugstore)
  • 1x point per $1 spent on all other eligible purchases

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • gift card

    Gift Cards

    0.48¢ / point
  • online shop

    Merchandise

    0.45¢ / point

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • gift card

    Gift Cards

    0.48¢ / point
  • online shop

    Merchandise

    0.45¢ / point

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.

Is this card worth it?

The BMO Eclipse Visa Infinite Privilege Card is ideal for those who want to maximize rewards on essential categories like travel, dining, groceries, and gas, while enjoying premium benefits. With a generous welcome bonus, lifestyle credit, and comprehensive insurance, this card is designed for frequent travelers who are willing to pay for luxury perks like lounge access and exclusive Visa Infinite privileges. The 25% rewards boost for authorized users adds further value for families or couples who want to rack up points faster.

Pros

  • No annual fee: This card comes with no annual fee, making it an affordable option for earning rewards.
  • Bonus categories: Earn 5 points per $2 spent on dining, groceries, and recurring bills.
  • Mobile device insurance: Includes $1,000 mobile device coverage, a rare perk for a no-fee card.
  • Welcome bonus: Earn up to 20,000 points ($134 value) after spending $1,500 in the first 3 months.
  • Annual bonus points: Earn up to 5,000 bonus points yearly when you complete certain actions, such as paying your bill on time.
  • Fuel savings: Save up to 7 cents per litre at Shell when you link your BMO and Air Miles accounts.

Pros

  • Generous rewards: Earn 5x points on travel, dining, groceries, gas, and drugstore purchases.
  • $200 lifestyle credit: Annual credit that can be used on any purchase over $200.
  • 25% bonus points with authorized user: Adding an authorized user increases your rewards by 25%.
  • Comprehensive insurance: Includes 12 types of coverage, including emergency medical and trip interruption insurance.
  • 6 lounge visits: Complimentary Priority Pass membership with 6 free airport lounge visits annually.

Cons

  • Low base earn rate: Only 1 point per $2 spent on non-bonus categories, providing a low return of 0.335%.
  • Low point value: Points are valued at 0.67 cents each, reducing the overall reward potential.

Cons

  • High annual fee: The card has a steep $499 annual fee, which is not waived in the first year.
  • High income requirements: Requires $150,000 personal or $200,000 household income, limiting eligibility.
  • Low point value: Points are valued at only 0.67 cents, reducing their overall worth.
  • Additional card fees: Adding authorized users costs $75 per year per user.

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. Check here for full details and current product information.
1 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.

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