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.
on BMO's website
Welcome Bonus
Get up to 25,000 bonus points in your first anniversary!*
Annual Fee
$0
Interest Rates
21.99%* / 23.99%*□
RECOMMENDED CREDIT SCORE
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
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Eligibility
Credit Score
GoodAnnual Income
N/A
Welcome Bonus Details
- 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
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*
Transfer Fee
2%⁕
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
- Impressive bonus categories
- Mobile device insurance
- Generous welcome bonus
- Annual bonus points
- Fuel savings
Cons
- Low base earn rate
- Low point value
Get personalized rewards estimates — see exactly how much you could earn.
BMO eclipse rise Visa* Card Points Calculator
on BMO's website