Illustration, not the actual card design.
BMO · Earns BMO Rewards points
BMO eclipse rise Visa
Annual fee
None
Welcome offer
Up to 20,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $1,500 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$140
+$140 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 3 benefits with no fixed dollar value, like Annual On-Time Payment Bonus, Annual Pay with Points Bonus and Avis and Budget rental discount. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Oct 31, 2027. Not available to current or former BMO eclipse rise Visa cardholders who reinstate a closed account or open a new account. If you cancel the account within 90 days of opening, the welcome bonus is cancelled. Existing BMO credit card cardholders who transfer into this card during the offer period are not eligible.
- 1Spend $1,500 in your first 3 months20,000 pts≈ $140 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.7¢ per BMO Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & RestaurantsUp to $5,000/yr of spend | 2.5 pts per $ | 1.75¢ |
| Recurring BillsUp to $5,000/yr of spend | 2.5 pts per $ | 1.75¢ |
| GroceriesUp to $5,000/yr of spend | 2.5 pts per $ | 1.75¢ |
| Everything else | 0.5 pts per $ | 0.35¢ |
What else you get
Perks
- Annual On-Time Payment Bonus
2,500 bonus points for paying your statement in full and on time for 12 consecutive billing periods
- Annual Pay with Points Bonus
2,500 bonus points for redeeming at least 12,000 points in Pay with Points within 12 months
- Avis and Budget rental discount
At least 10% off the lowest available discountable Time and Mileage retail rates at Avis and Budget in Canada and the US, and up to 30% (Avis) or 35% (Budget) when prepaid
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by BMO. Card and program names belong to their owners.
Details last checked Oct 11, 2026.