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.
20,000 BMO Rewards points upon spending $1,500 in the first three months
Bills, Groceries & Dining
Everything Else
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.
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Read moreDespite being a no annual fee card, the BMO eclipse rise Visa* Card offers up to 20,000 BMO Rewards points as a welcome bonus. All you need to do to get those points is to spend $1,500 in the first three months of holding the card.
With our valuation of BMO Rewards points set at 0.67 cents per point, the welcome bonus is approximately worth $134.
In addition to the points, you’ll receive an introductory 0.99% interest rate on balance transfers for nine months with a 2% transfer fee should you need it.
The primary card and its supplementary cards have no annual fee.
Since it’s a no annual fee product, you can keep it open as a primary or backup credit card, all while supporting the longevity of your credit history.
The BMO eclipse rise Visa* Card earns BMO Rewards points as follows:
However, it bears repeating that the accelerated earn rate is per $2 spent, not per dollar spent.
For all other purchases, the return is approximately 0.34%, which is weaker than most cards. Hence, it may be prudent to use this card mainly for the accelerated earn categories then consider a different no-fee card for all other purchases.
†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.
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
BMO Rewards points are worth 0.67 cents per point when redeemed against the cost of travel booked via the BMO Rewards online portal (at a fixed rate of 150 BMO Rewards points = $1).
BMO Rewards points can also be redeemed at 0.5 cents per point against any statement purchase (at the rate of 200 BMO Rewards points = $1). However, the value in doing so is clearly not as strong, so you should always aim to use your BMO Rewards points to book travel.
Annually, you may receive a bonus of up to 5,000 BMO Rewards points broken down as follows:
The BMO eclipse rise Visa* Card also includes Instacart-related benefits, which add real, everyday value if you already use grocery delivery.
Primary cardholders are eligible for:
The card offers the following insurance benefits:
100,000 BMO Rewards points
