BMO eclipse rise Visa* Card

Offer

Earn up to 25,000 bonus points:

Get 20,000 points when you spend $1,500 in your first 3 months.*
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!*
Profitez de trois mois d’adhésion à Instacart+ et d’un crédit Instacart mensuel de 5 $ lorsque vous vous inscrivez avec votre carte de crédit BMO admissible*
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*

Fees & Conditions

Personal Income $0

Household Income $0

Annual Fee $0

First Additional Card $0

Other Additional Card $0

Foreign Transaction Fee 2.5%

Balance Transfer

Balance Transfer Intro Duration 9 month(s)

Balance Transfer - Promotional Rate 0.99%

Value

Calculate the rewards

Your Monthly Spending

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

0 $

Annual Credit

Travel benefits

VIP Lounges

First year offer value

Rewards Earned

Annual fee

Net value

Advantages

Offer ends on Jun 30, 2026

Welcome Bonus amount Up to 25,000 Points

Minimum Spending Required $1,500

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 0.5 Point

Groceries 2.5 Points

Gas 0.5 Point

Dining and Food delivery 2.5 Points

Convenience Stores 0.5 Point

Drugstores 0.5 Point

Local Transport 0.5 Point

Travel 0.5 Point

Entertainment 0.5 Point

Recurring Payments 2.5 Points

Telecom/Internet 0.5 Point

Streaming services 0.5 Point

Online transactions 0.5 Point

Office Supplies 0.5 Point

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

$1,000

1 year

Price Protection

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.

Legal

*Conditions apply.

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