BMO eclipse rise Visa* Card vs BMO VIPorter Mastercard®∗: Which one is better?

BMO eclipse rise Visa* Card
3.5

BMO VIPorter Mastercard®∗
4.1
Finly Rebate
Finly Rebate
Promotional rebate expires on May 31, 2025
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
$242.03
VIPorter
First Year Bonus Value
$600
VIPorter
Annual Fee
$89
$0
First Year Waived
First Year Value
$842.03
$153.03 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000
Insurance Included*
Extended Warranty
1 yearPurchase Protection
90 daysLost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedBaggage Delay
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedCar Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000Travel Accident
Up to $500,000 per insured personHotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combinedEmergency Out of province Medical
Up to $5M per insured person, per trip, for 8 days per tripFlight Delay
Up to a maximum of $500 per trip for all insured persons combined
Extra Benefits*
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collectorExtra 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*
Car Rental Discount
Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking toolHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *Discount
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las VegasPriority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
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*
$89
$0
First Year Waived
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
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*
10,000 bonus VIPorter points after spending $3,000 in eligible purchases within the first 110 days, 15,000 bonus VIPorter points after spending $6,000 in eligible purchases within the first 180 days (plus a 35% flight discount voucher), and 15,000 bonus VIPorter points after spending $10,000 in eligible purchases within the first 365 days. Offer ends July 1, 2025*
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*
- Earn 2 points for every $1 spent on eligible Porter purchases via flyporter.com (up to $10,000 in spending annually)
- Earn 1 point for every $1 spent on eligible gas and transportation purchases (up to $3,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible groceries and dining purchases (up to $5,000 in spending annually combined)
- Earn 1 point for every $1 spent on eligible hotel accommodation purchases (up to $3,000 in spending annually)
- Earn 0.5 points for every $1 spent everywhere else
- Primary cardholders will receive an annual discount of 35% on a Porter flight booking after spending a minimum of $25,000 in eligible purchases. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period (The flight voucher allows up to 3 companions to accompany the primary cardholder at a 35% discount on the flight booking’s base fare).
Loyalty Program*
Loyalty Program*
Point Redemption Options*
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / pointEntertainment
0.64¢ / pointStatement Credits (Cash)
0.5¢ / pointGift Cards
0.48¢ / pointMerchandise
0.45¢ / point
Point Redemption Options*
Porter airline and partner flights
1.5¢ / 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?
This is one of the only credit cards in Canada that directly earns you VIPorter points and gives you premium travel benefits like priority security screening, early boarding and priority re-accommodation for flight delays on Porter (and its partners) flights. For frequent Porter travelers, this is a great low-fee card that can fast track your VIPorter status and earn even more travel benefits, although the rewards may be a bit lackluster.
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
- No annual fee in the first year!
- A massive welcome bonus valued at $600+ that also grants you a 35%-off flight discount voucher (valid for up to 3 companions) after meeting the minimum spend requirement
- Points can be redeemed across Porter's expanding North American network, as well as Porter's growing list of global airline partners, currently featuring flights operated by Air Transat and Alaska Airlines sold on flyporter.com.
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
- Low spending caps on common categories like groceries and dining
- Having to spend $25,000 per year just to qualify for 35%-off flight booking discount
- Points can only be redeemed towards flights currently


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vs BMO eclipse Visa Infinite Privilege* Card


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vs BMO CashBack® Mastercard® for Students


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