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BMO eclipse rise Visa* Card Review
The Bottom Line
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.
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on BMO's website
Welcome Bonus
Get up to 25,000 bonus points in your first anniversary!*
Rewards Rate
1x - 5x points
Points
Annual Fee
$0
Interest Rates
21.99%* / 23.99%*□
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
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000
Benefits
Details
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.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
Eligibility
Credit Score
GoodAnnual Income
N/A
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Card Details
Interest Rates
Purchase APR
21.99%*
Cash Advance APR
23.99%*□
Balance Transfer APR
23.99%*□
Promotional Balance Transfer Rate
Promotional Rate
0.99%*
Promotional Period
9 months*
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
* 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.
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
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.
Get personalized rewards estimates — see exactly how much you could earn.
BMO eclipse rise Visa* Card Points Calculator
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on BMO's website