Pros & Cons
Pros
- +Welcome Bonus: 25,000 points
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The new BMO eclipse rise Visa* Card is a no-annual-fee credit card with travel points, requiring no minimum income.
With this offer, you can earn up to 25,000 points as a welcome bonus:
- 20,000 points after $1,500 in purchases in the first 3 months
- 2,500 points when you redeem 12,000 points with the Pay with Points option over a 12-month period
- 2,500 points when you pay the balance on time for 12 months
What’s more, you can benefit from an interest rate of 0.99% on balance transfers for nine months (a 2% balance transfer fee applies).
With the new BMO eclipse rise Visa* Card, you earn :
- 5 points for every two dollars spent on recurring bill payments
- 5 points for every two dollars spent at the grocery store
- 5 points for every two dollars spent at restaurant and for takeaway
- 1 point per two dollars of purchases for all other purchase categories
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
The new BMO eclipse rise Visa* Card also offers:
- Mobile Device Insurance
- Purchase Protection
- Extended warranty insurance
Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.
Offer ends: 2026-06-30
Rewards
All Spending
0.5x
BMO Rewards pts per dollar
Recurring
2.5x
Groceries
2.5x
Restaurants
2.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
BMO Rewards/yr
Estimated Value
$302
After Fees
+$302
1st Year Value
$469
incl. welcome bonus
Annual rewards breakdown
- Earn 25,000 BMO Rewards after $1,500 in purchases in 3 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Balance Transfer Promo0.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Earn up to 25,000 bonus points:
- Earn 20,000 points when you spend $1,500 in purchases within the first three months, a value of $133*
- 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*
- 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
- Then get 1 point for every $2 spent on everything else!*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
- Receive a discount on car rentals*
- Purchase Protection*
- Extended Warranty*
Legal
*Conditions apply.
BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.