BMO eclipse rise Visa* Card vs BMO eclipse Visa Infinite* Card
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
- 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
- Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
- 30,000 points when you spend $4,000 in the first 110 days, plus 20,000 points when you spend at least $7,000 in the first 6 months. Receive an additional 20,000 points when you spend at least $12,000 in the first year.
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$329
First-year value
$1,023
$145
Every year after
$314
BMO eclipse Visa Infinite is worth $694 more to you in year one.
It stays ahead after that, by $169 a year.
How the first year adds up
Annual rewards
$144.8
21,612 points a year
Welcome bonus
+ $134
first year only
Annual fee
− $0
no annual fee
Finly rebate
paid by FinlyWealth
First-year value
$328.8
Annual rewards
$434
64,776 points a year
Welcome bonus
+ $469
first year only
Annual fee
$120− $0
$120 from year two
Finly rebate
paid by FinlyWealth
First-year value
$1,023
Where each card earns
A year of your spending at each card's own reward rates, most first.
2.5xAll categories with bonus points
12,500 pts
$83.75
0.5xAll other purchases
9,112 pts
$61.05
5xFood and drinks
21,000 pts
$140.7
5xFood and drinks, Groceries, Gas, Transportation
16,116 pts
$107.98
5xGas
9,936 pts
$66.57
5xTransportation
4,800 pts
$32.16
1xAll other purchases
12,924 pts
$86.59
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%1
Cash Advance:
23.99%1
Balance Transfer:
23.99%1
1 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.
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
Min Personal Income:
$60,000
Min Household Income:
$100,000
How each card earns
The earn rates and caps, as each issuer sets them.
- 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
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
Points and how we value them
Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.
Loyalty program
Loyalty program
We count each point at 0.67¢ a point, what it's worth redeemed for Travel, its best value. Every dollar figure above uses that value.
We count each point at 0.67¢ a point, what it's worth redeemed for Travel, its best value. Every dollar figure above uses that value.
Point redemption options
Point redemption options
Most Optimal
Travel
0.67¢ / point
Financial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
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
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 days.svg)
Car Rental Damage & Theft
$65K up to 48 days
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
$5M up to 15 days
Perks
Perks
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
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 six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events.svg)
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SAnniversary Credit
Get a $50 anniversary lifestyle credit
Our take
Why we like it
Why we like 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.
This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.
Pros
Pros
- No annual fee
- Impressive bonus categories
- Mobile device insurance
- Generous welcome bonus
- Annual bonus points
- Fuel savings
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- first-year fee rebate
Cons
Cons
- Low base earn rate
- Low point value
- Lower point value
- High income requirements
- Limited insurance
More comparisons
Other cards we've put each of these up against.
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.
*Terms and conditions apply.
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.
