rewardsno fee

BMO® eclipse® rise Visa® Card review

Name: BMO eclipse rise Visa Card
Brand: BMO

3.6Rated by the CreditCardGuru Editorial Team

A solid no-fee entry card with a clever habit-based bonus structure, but heavy spenders will outgrow its modest earn rates quickly.

At a glance

Annual fee: No annual fee
Welcome bonus: ~$175
Foreign tx fee: 2.5%
Network: VISA
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Recurring bill payments5 points per $2 spent	2.5x
Groceries5 points per $2 spent	2.5x
Dining, takeout & food delivery5 points per $2 spent	2.5x
Everything else1 point per $2 spent	0.5x

Welcome offer: 25,000 bonus BMO Rewards points.

Pros & cons

Pros

No annual fee with bonus categories on bills, groceries, and dining
Annual bonus points reward good payment habits
Good starter card for building credit

Cons

Earn rates are effectively half of the eclipse Visa Infinite
Weak 0.5x base earn on everything else

Perks & insurance

Key perks

Up to 5,000 bonus points every year for paying on time and redeeming points
Free BMO PaySmart installment plan for one purchase up to $1,000 every two years
Three months of Instacart+ plus $5 monthly Instacart credit (enrollment required)
0.99% introductory balance transfer rate for 9 months (2% fee)
Pay with Points on any purchase, starting at $1

Insurance

Mobile device insurance
Extended warranty insurance
Purchase security insurance

Rates & fees

Annual fee: None
Purchase interest: 21.99%
Cash advance: 23.99%
Foreign transactions: 2.5%

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“BMO® eclipse® rise Visa® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/bmo-eclipse-rise-visa, updated June 7, 2026.