no-fee3.6 / 5

BMO eclipse rise Visa Card

BMO

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.

—

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

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 Information may be simplified, incomplete, or out of date.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

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

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

Sources

BMO cardholder agreement and rates & fees disclosure
VaultNerd cards database