BMO eclipse rise Visa Card Review: Rewards, Fees and Perks

The BMO eclipse rise Visa is one of only three no-fee BMO credit cards. Unlike the cash-back options among BMO’s no-fee cards, the eclipse rise Visa earns BMO Rewards points on purchases. You can redeem those points in a variety of ways — travel, investments, merchandise, gift cards, Apple purchases, or statement credits — so you decide how to get value from them.

This BMO eclipse rise Visa review explains the card’s main features, who it’s best for, and the key details to understand before applying.

BMO eclipse rise Visa: The basics

Below is a concise summary of the card’s primary features to help you decide whether it aligns with your needs.

Earn rates	5 points per $2 at dining, groceries, recurring bill payments and takeout; 1 point per $2 on other purchases
Insurance included	Extended warranty; purchase protection; mobile device coverage
Special perks and features	Participation in the BMO Rewards program; balance transfer promotion; annual bonus opportunities for consistent on-time payments; welcome offer including Instacart+ trial and monthly credit when you enroll
Fees	2.5% foreign transaction fee on purchases made outside Canada
Minimum credit limit	No minimum specified
Supplementary card cost	$0 per authorized user

Pros and cons of the BMO eclipse rise Visa

Consider the following strengths and limitations before applying.

Pros:

• Accessible approval criteria: No income requirement makes this card easier to obtain for students, newcomers and those building credit.
• No annual fee: You earn rewards without paying a yearly charge, keeping your ongoing costs low.
• Free supplementary cards: Add authorized users at no extra cost, useful for families or partners.

Cons:

• Modest earn rate: The rewards pace is slower than many competitor no-fee cards and bonus categories are limited.
• Basic insurance package: Includes purchase protection, extended warranty and mobile device coverage but does not offer travel insurance.
• Point value can be low: BMO Rewards points often deliver more value for travel redemptions; non-travel redemptions may yield less value per point.

BMO eclipse rise Visa rewards explained

This entry-level rewards card earns BMO Rewards points in a straightforward way.

Cardholders earn 5 points per $2 spent in these categories:

• Dining
• Groceries
• Takeout
• Recurring bill payments

Merchant coding can affect where purchases fall, so review your statements to confirm the merchant category. Grocery stores, dining establishments and recurring bill merchants will be coded differently; warehouse clubs, big-box stores, or discount chains may not always be categorized as groceries.

There is an annual cap on bonus earnings: the 5x points rate applies until you’ve spent $5,000 on groceries, dining, takeout and recurring bills within a year. After that threshold is reached, purchases earn the base rate of 1 point per $2.

BMO eclipse rise Visa perks and benefits

Beyond reward earning, this card offers features that can matter when qualifying for credit or managing existing balances.

Balance transfer promotion

If you carry balances on cards from other banks, the eclipse rise Visa includes a balance transfer offer: a 0.99% promotional interest rate for nine months. A 2% transfer fee applies, but the reduced interest rate can help you pay down high-interest debt faster.

Annual bonus rewards

BMO encourages consistent on-time payments. If you pay your statement balance in full each month for 12 consecutive months, you receive 2,500 bonus points. You can also earn an additional 2,500 points in a year by redeeming at least 12,000 BMO points for statement credits.

Flexible redemption options

The eclipse rise Visa is the only no-fee BMO card that awards BMO Rewards points. Points are most valuable when redeemed for travel with any provider, but they can also be used for BMO investments, gift cards, merchandise, Apple products or statement credits — giving you flexibility to choose how you get value from rewards.

What cardholders think

We looked for cardholder feedback and found limited discussion specifically about the eclipse rise Visa. A few users praised it as a solid no-annual-fee travel card, while others noted the appeal of mobile device coverage as a reason to apply.

More online conversation tends to focus on the BMO eclipse Visa Infinite, which charges an annual fee but offers higher earn rates in the BMO Rewards program and broader insurance coverage.

For broader context, here are some third-party customer-satisfaction signals related to BMO:

• J.D. Power: BMO scored 542 in a recent study, reflecting relatively lower customer satisfaction compared with other banks included in that survey.
• Better Business Bureau: Approximately 1.14 out of 5 based on more than 140 customer reviews.
• Trustpilot: Around 1.2 out of 5 based on 1,300+ reviews, with many complaints citing customer service and technical issues with the app and website.

FAQs

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