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Side by Side Credit Cards Comparison
BMO eclipse rise Visa* CardVSBMO Preferred Rate Mastercard®
Which one is better?
BMO eclipse rise Visa* Card
3.5
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
BMO Preferred Rate Mastercard®
3.6
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
- Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!* 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 - that's just 1,000 points per month!
- 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months.
- Offer ends on January 31, 2026
Welcome Bonus
Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
BMO Rewards
Annual Rewards
$145.67
21,742 pts
BMO Rewards
First Year Bonus
+
$134
+20,000 pts
BMO Rewards
Annual Fee
-
$0
Finly Rebate
+
$100Exclusive Offer
First Year Value
$379.67
41,742 pts
$145.67 in years after
Based on a hypothetical $2,000/mo average spending.
0.67¢/pt
via Travel
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- 5x points per $2 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category)
- 1x point per $2 spent on all other eligible purchases
How to Earn Rewards
No rewards earned on this card
Insurance Included
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Insurance Included
Extended Warranty
Doubled up to 1 yearPurchase Protection
90 days
Extra Benefits
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Extra points
2,500 bonus points per year for paying full credit card bill on time for 12 consecutive monthsExtra points
Another 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with Points
Extra Benefits
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Interest Rates
Purchase:
21.99%1
Cash Advance:
23.99%1
Balance Transfer:
23.99%1
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.
Interest Rates
Purchase:
13.99%2
Cash Advance:
15.99%2
Balance Transfer:
15.99%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
$0
Annual Fee
$29
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Travel
0.67¢ / point
Financial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
Point Redemption Options
Not Applicable
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?
If you plan to carry a balance on your credit card, this card offers a very low interest rate. However, there are other cards with no annual fee and slightly lower interest rates that you might want to consider as well.
Pros
- No annual fee
- Impressive bonus categories
- Mobile device insurance
- Generous welcome bonus
- Annual bonus points
- Fuel savings
Pros
- Low interest rates
- Balance transfer welcome bonus
Cons
- Low base earn rate
- Low point value
Cons
- Annual fee
- Lacks significant benefits
Legal
* 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.
*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.