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BMO eclipse rise

BMO eclipse rise Visa Card

BMO·Visa·BMO Rewards·🇨🇦 Canada
Annual fee
No fee
Welcome bonus
$168 value
Base earn rate
0.5× on everything
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Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.

Earn rates by category

🛒Groceries
2.5×
🍽️Dining & Restaurants
2.5×
⚡Recurring Bills
2.5×
💳Everything else
0.5×

Card details

Annual feeNone
No foreign transaction fee✗ No
Point value0.7¢/pt
NetworkVisa

Welcome bonus

~$168 value
Spend $0 in 0 days of account opening. Up to 25,000 BMO Rewards points - exact spend tiers not confirmed from issuer page at time of review; re-verify before relying on this figure. Also: 2,500 points/year ongoing for 12 consecutive on-time full-balance payments (a ongoing perk, not part of the welcome offer).
⚠ Bonus offers change frequently — verify current offer before applying.
Rate details & caps ›
2.5xBMO Rewards on groceries, dining and bills.
0.5xon everything else. No caps published.

Bonus 2,500 points/year for 12 consecutive on-time, full-balance payments (credit-building incentive, not a spend category).

Is this card right for you?

A no-fee card built for newcomers, students and young adults: no minimum income requirement, 2.5x BMO Rewards on groceries, dining and bills, plus a credit-building bonus for on-time payments.

Where it wins
✓

Newcomers to Canada and young adults without an income history.

✓

Students and early-career professionals building credit.

Where it falls short
✕

You already qualify for a stronger no-fee card and don't need the accessibility.

✕

You want travel insurance or premium perks.

Watch-outs 0.5x base rate is low outside the three bonus categories. · Welcome offer structure needs re-verification — treat the 25,000 figure as approximate.

Annual fee
$0
FX fee
2.5%
Income
None req.
Points worth
0.7–1¢/pt
Redeem for
Flexible
Verified 2026-07-20 · confidence: mediumIssuer source →
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Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.