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Canada · personal card · BMO

BMO eclipse rise Visa Card review

Earn 5x BMO Rewards points for every $2 spent (2.5 points per $1) on recurring bills, groceries, dining and takeout, plus up to 5,000 bonus points each year.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
BMO
Network
Visa
Annual fee
$0
Purchase rate
21.99%
Cash advance rate
23.99%
Balance transfers
0.99% introductory rate on balance transfers for 9 months with 2% transfer fee (from BMO data file)
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Est. net value / yr
$260 ($260 rewards − $0 fee)
Points value
BMO Rewards at 0.67¢ CAD each

Rewards

Earn 5x BMO Rewards points for every $2 spent (2.5 points per $1) on recurring bills, groceries, dining and takeout, plus up to 5,000 bonus points each year.

Earn rates the issuer states: base 0.5 pts · groceries 2.5 pts · dining 2.5 pts · everyday 0.5 pts. Rate is 5 points per $2 (2.5 per $1) on recurring bills, groceries, dining and takeout; 1 point per $2 (0.5 per $1) on other purchases (BMO data file / owner entry 2026-10-08); up to 5,000 points yearly bonus for on-time payments and redemption

Perks

Instacart+ 3 months with $5 monthly credit; one free PaySmart plan up to $1,000 every two years

How we put this page together

Every figure here was read on BMO’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates (purchase/cash advance/annual fee) read from BMO's own public data file https://www.bmo.com/public-data/api/v2.0/bmo-ca-credit-cards-en.json that feeds the page; offer text from same file. FX fee not stated. Page offer (25,000 pts) conflicts with data file (20,000 pts for $1,500 in 3 months); page value used. Aimed at building credit/young adults (credit_builder tag is inference from positioning text). FX fee read on issuer document: https://www.bmo.com/pdf/PDF_MC%207613%20COB_insert_E.pdf Welcome bonus hidden: BMO page hero says 25,000 points, BMO data file says 20,000 for $1,500 in 3 months; in manual review.

Frequently asked questions

What is the annual fee on the BMO eclipse rise Visa Card?

$0, as read on BMO’s website on October 7, 2026.

Is there a foreign transaction fee on the BMO eclipse rise Visa Card?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the BMO eclipse rise Visa Card?

The issuer’s page did not state a minimum income when we read it.

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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.