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BMO eclipse rise Visa Card
no-fee3.6 / 5

BMO eclipse rise Visa Card

BMO · Visa

Best for

Credit builders and younger cardholders who want a no-fee card that rewards good financial habits.

Apply on BMO
Annual fee
None
FX fee
2.5%
Purchase APR
21.99%
Income req.
N/A
Recommended credit score
640+
Approval difficulty
Moderate approval

VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

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

Reward rates

Recurring bill payments
5 points per $2 spent
2.5x
Groceries
5 points per $2 spent
2.5x
Dining, takeout & food delivery
5 points per $2 spent
2.5x
Everything else
1 point per $2 spent
0.5x

VaultNerd values these points at ~0.7¢ each.

Welcome bonus

~$175 value

25,000 bonus BMO Rewards points

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

  • 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

Frequently asked questions

Is the BMO eclipse rise Visa Card worth it?

It has no annual fee, and we rate it 3.6 out of 5. It's best suited to credit builders and younger cardholders who want a no-fee card that rewards good financial habits. The welcome bonus is worth roughly $175, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the BMO eclipse rise Visa Card earn?

It earns 2.5x on recurring bill payments, 2.5x on groceries and 2.5x on dining, takeout & food delivery. We value these points at about 0.7¢ each, so the top rate works out to roughly 1.8% back.

What credit score do you need for the BMO eclipse rise Visa Card?

We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed June 2026 · How we research

Cite this page

“BMO eclipse rise Visa Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/bmo-eclipse-rise-visa, updated June 2026.

Sources
  • BMO cardholder agreement and rates & fees disclosure
  • VaultNerd cards database