BMO Eclipse Rise Visa Card

BMO eclipse rise Visa* Card

3.5/5

Get up to 25,000 bonus points in your first anniversary!*

APPLY NOW

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BMO Eclipse Rise Visa Card
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$50

BMO eclipse rise Visa* Card
Review

FinlyWealth Logo

$50 Cash Rebate From FinlyWealth

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Card Details

Interest Rates


Purchase: 21.99%*

Cash Advance: 23.99%*□

Balance Transfer: 23.99%*□

□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%

Promotional Rates


Balance Transfer: 0.99%*

Promotional Period: 9 months*

Annual Fee


$0

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
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.

Card & Reward Type


Card Type: Credit

Reward Type: Points

Loyalty Program: BMO Rewards

Our Rating


3.5/5

Institution


BMO

Rewards


  • 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

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year
  • mobile device insurance

    Mobile Device Insurance

    $1,000

Benefits

Details

  • 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
  • gas station

    Gas Discount

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

Pros & Cons


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.

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.

* 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.

Rewards Breakdown

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