20,000 BMO Rewards points
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Please click on the Apply Now link for the most up to date information.
$139
First-year value
20,000
BMO Rewards points
$0
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of BMO Rewards points at 0.67 cents per point.
Last updated: December 19, 2025
The BMO eclipse rise Visa* Card is BMO’s entry-level credit card. With a low barrier to acceptance, the card is ideal if you're looking to get into the BMO credit cards ecosystem and work your way up to more premium cards.
Plus, with no annual fee, the card can be used to continue a longstanding relationship with BMO.
Canada’s 7 Best BMO Credit Cards
Read more| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 20,000 | $1,500 spend in 3 months |
Annual Fee
Free
Additional Card
Free
This is one of the stronger no-fee welcome offers in Canada, giving you meaningful value without requiring aggressive spending or ongoing fees to justify retention.
| Category | Rate |
|---|---|
| Bills | 2.5× |
| Groceries | 2.5× |
| Dining | 2.5× |
| Everything Else | 0.5× |
Strong returns on daily spend categories for a no-fee card, though the per-$2 earn structure and weaker base rate mean you'll want to pair this with a complementary card for non-bonus purchases.
BMO Rewards has no transfer partners, so book travel through the portal to maximize value – statement credits and merchandise deliver far less. If you want access to premium cabin awards or partner transfers, you'll need to switch to a transferable currency like Amex Membership Rewards.
Read Our Full BMO Rewards Guide
Read moreNo annual fee + free supplementary cards
First Year FreeMobile device, purchase protection, and extended warranty insurance
Travel InsuranceThe insurance suite is unusually comprehensive for a no-fee card – mobile device coverage and extended warranty protection deliver real value if you regularly purchase electronics or high-ticket items on the card.
Underwritten by CUMIS General Insurance Company
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $1,000/claim |
View Certificate of Insurance (PDF)
The coverage suite stops short of travel essentials – no trip cancellation, interruption, or medical protection – making standalone travel insurance mandatory for any international trip where health costs or itinerary changes pose real risk.
†Terms and conditions apply. BMO is not responsible for maintaining the content on this site.
Please click on the Apply Now link for the most up to date information.
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20,000 BMO Rewards points
Apply Now†Terms and conditions apply. BMO is not responsible for maintaining the content on this site.
Please click on the Apply Now link for the most up to date information.
Last updated: December 19, 2025