BMO eclipse rise Visa Card
BMO · VISA
The BMO eclipse rise Visa Card is a credit card from BMO on the VISA network. It has an annual fee of C$0. It earns 5x on groceries, 5x on dining & restaurants, 1x on everything else. The welcome offer is You deserve to be rewarded! Get 20,000 points and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. Plus, earn up to 5,000 bonus points every year!
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- VISA
- Welcome offer
- You deserve to be rewarded! Get 20,000 points and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. Plus, earn up to 5,000 bonus points every year!
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 5x | 5x on groceries |
| Dining & restaurants | 5x | 5x on dining out at your favourite restaurant |
| Everything else | 1x | 1x on everything else |
Benefits and perks
- Join a world of flexible rewards
- 5x Five times the BMO Rewards points: For every $2 spent on recurring bill payments, groceries, dining and takeout. You deserve it.
- Save on groceries and more with complimentary Instacart+: Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.
- Help with surprise expenses
- Make every day a 5x points day: Earn more (a lot more) on your daily needs and wants.
- Recurring bill payments: Streaming services, a gym membership or a cellphone bill – earn points on all of it as you go about your day. Get 5x Five times the points for every $2 spent on recurring bill payments.
- Groceries: You need to eat, so why not get rewarded at the same time? Get 5x Five times the points for every $2 spent on groceries.
- Dining out: You’ve got great taste! Earn 5x Five times the points for every $2 spent on dining out at your favourite restaurant.
- Your BMO Rewards benefits
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 23.99%.
Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the BMO eclipse rise Visa Card
What is the annual fee on the BMO eclipse rise Visa Card?
The BMO eclipse rise Visa Card has an annual fee of C$0.
What rewards does the BMO eclipse rise Visa Card earn?
The BMO eclipse rise Visa Card earns 5x on groceries, 5x on dining & restaurants, 1x on everything else.
Is the BMO eclipse rise Visa Card worth it?
The BMO eclipse rise Visa Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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