Side by Side Credit Cards Comparison
BMO eclipse rise Visa* CardVSBMO eclipse Visa Infinite* Card
Which one is better?
BMO eclipse rise Visa* Card
3.5
RECOMMENDED CREDIT SCORE*
BMO eclipse Visa Infinite* Card
3.6
RECOMMENDED CREDIT SCORE*
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
Welcome Bonus
- 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.
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$120 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to 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
How to Earn Rewards
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
- Get 1 BMO Reward for every $1 spent on everything else.*
Insurance Included
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Insurance Included
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
Extra Benefits
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
Extra Benefits
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.S
Anniversary Credit
Get a $50 anniversary lifestyle credit
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.
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Annual Fee
$0
Annual Fee
$120
$0$
$0 first year
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
Point Redemption Options
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
Is this card worth 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.
Is this card worth it?
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
- No annual fee
- Impressive bonus categories
- Mobile device insurance
- Generous welcome bonus
- Annual bonus points
- Fuel savings
Pros
- Generous rewards
- Annual lifestyle credit
- Authorized user bonus points
- first-year fee rebate
Cons
- Low base earn rate
- Low point value
Cons
- Lower point value
- High income requirements
- Limited insurance
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO VIPorter World Elite®* Mastercard®*
vs BMO Preferred Rate Mastercard®*
vs BMO eclipse Visa Infinite Privilege* Card
vs BMO CashBack® World Elite®* Mastercard®*
vs BMO VIPorter Mastercard®∗
vs BMO CashBack® Mastercard®
vs Students – BMO CashBack® Mastercard®*
vs BMO Ascend™ World Elite®* Mastercard®*
vs BMO VIPorter World Elite®* Mastercard®*
vs BMO Preferred Rate Mastercard®*
vs BMO eclipse Visa Infinite Privilege* Card
vs BMO CashBack® World Elite®* Mastercard®*
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.