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3.5
/5
BMO
Visa
BMO eclipse rise Visa* CardPoints Calculator
Get up to 25,000 bonus points in your first anniversary!*
Our Take
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.
Exclusive · From FinlyWealth$100 rebate
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*
* 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 Fees
Main Card: $0
Additional Cards: $0
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
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.5/5
Institution
BMO
How You 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
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.*
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
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.
