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BMO · Visa

BMO eclipse rise Visa Card

Travel points, earns BMO Rewards points

Annual feeNone
Foreign transaction fee2.5%
Purchase rate21.99%
Income requirementNot stated

Welcome offer

Verified · Oct 4

Up to 25,000 BMO Rewards points

Earn 20,000 points when you spend $1,500 in the first 3 months, plus up to 5,000 more points after one year.

Minimum spend
$1,500 in 3 months
Apply by
Not stated

The BMO page only gives the 25,000 points headline. The spend tiers come from a third-party site.

Checked on October 4, 2026. See the source page

See this card on the issuer's website ↗

Fees and requirements

Annual fee
No annual fee
Foreign transaction fee
2.5%
Purchase rate
21.99%
Cash advance rate
23.99%
Income requirement
Not stated
Costco in store
Not accepted (Costco takes only Mastercard in store)

Fees and rates were imported on September 6, 2026, and the annual fee has been checked.

Welcome offer history

I have tracked this card's welcome offer since October 4, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.

  1. Now · Checked October 4, 2026Up to 25,000 BMO Rewards pointsSpend $1,500 in 3 months · No annual fee

Rewards

What each category earns

Valued at 0.67 cents per point. That is an assumption
CategoryEarn per $1Effective return
Groceries2.5× BMO Rewardsabout 1.68%
Dining and delivery2.5× BMO Rewardsabout 1.68%
Gas and EV charging0.5× BMO Rewardsabout 0.34%
Recurring bills2.5× BMO Rewardsabout 1.68%
Transit0.5× BMO Rewardsabout 0.34%
Drugstores0.5× BMO Rewardsabout 0.34%
Travel0.5× BMO Rewardsabout 0.34%
Entertainment0.5× BMO Rewardsabout 0.34%
Phone and internetMust be set up as an automatic payment2.5× BMO Rewardsabout 1.68%
StreamingMust be set up as an automatic payment2.5× BMO Rewardsabout 1.68%
Online shopping0.5× BMO Rewardsabout 0.34%
Convenience stores0.5× BMO Rewardsabout 0.34%
Office supplies0.5× BMO Rewardsabout 0.34%
Other spending0.5× BMO Rewardsabout 0.34%

Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page

Included insurance

Extended warranty
1 year
Purchase protection
90 day(s)
Mobile device
$1,000, 1 year

Coverage amounts and number of days are as stated in the certificate of insurance.

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