BMO eclipse rise Visa Card Review

The BMO eclipse rise Visa is one of just three no-fee BMO credit cards. While the other no-fee cards earn cash back, the eclipse rise Visa gives you BMO Reward points for your purchases. It’s up to you how you’d like to cash them in; you can use them for travel, financial investments, merchandise, gift cards, and statement credits. 

With our BMO eclipse rise Visa review, we’ll walk you through the basics of the card and the important details you should be aware of before applying.

BMO eclipse rise Visa: The basics

To give you a quick idea of whether or not this card might have the features and benefits you’re looking for, check out its basic characteristics.

Pros and cons of the BMO eclipse rise Visa

Every card has benefits and drawbacks to consider. Think about these points before submitting your application.

Pros:

• Easy to qualify for: Students and newcomers will find it especially easy to qualify, since there’s no income requirement.
• No annual fee: The rewards you earn are simply money back in your pocket since you’re not paying to use the card.
• Free supplemental cards: Feel free to add an authorized user to your account since there’s no additional cardholder fee.

Cons:

• Low earn rate: Compared to other no fee credit cards, this card doesn’t earn reward points as quickly, and bonus categories are limited.
• Limited insurance coverage: You’ll get basic extended warranty and purchase protection plus mobile device coverage, but no travel insurance.
• Low point value: BMO Rewards points aren’t as valuable as other reward program points, especially if you’re not using your points for travel.

BMO eclipse rise Visa rewards explained

This entry-level BMO credit card is fairly straightforward in how it earns BMO Rewards points. 

You’ll get 5 points per $2 spent on:

• Dining
• Groceries
• Takeout
• Recurring bills
  

There might be some variation in how stores are categorized, so take a look at your bank statement to see if you’re earning increased rewards. Look for the merchant code “Grocery” or “Dining”. Warehouse clubs, big-box retailers, and discount stores may not code as grocery.

BMO caps increased earnings at $5,000 after you spend on groceries, dining, takeout, and recurring bills in a year. After you max out, you’ll continue to earn the base rate of 1 point per $2 spent.

BMO eclipse rise Visa perks and benefits

Sometimes, a card’s features are more important than its reward structure. This is especially true if you’re trying to qualify for a card or move your existing credit card balance. 

Balance transfer promotion

If you have existing credit card debt with a card not issued by BMO, you can transfer your balance to the eclipse rise Visa and enjoy a 0.99% interest rate on it for 9 months. You will have to pay a 2% transfer fee, but the low balance transfer interest rate lets you quickly pay down your current credit card debt.

Annual bonus rewards

BMO rewards you for making consistent payments. If you pay your balance in full every month for 12 months, you’ll get 2,500 bonus points. And, if you redeem at least 12,000 BMO points for statement credits during a year, you’ll get another 2,500 points.

Flexible redemption options

Of the three no-fee credit cards BMO offers, only the eclipse rise Visa gives you BMO Rewards points. You can redeem these for travel with any provider for the most value. Otherwise, you can use the points for BMO investments, request gift cards or prepaid credit cards, purchase merchandise, redeem them for Apple products, or apply them towards your statement balance. The choice is completely yours.

What cardholders think

We always like to search for feedback from real cardholders, but when we turned to Reddit to learn more about the BMO eclipse rise Visa, we were surprised by the lack of discussion. 

One cardholder simply said it was the best no-annual-fee travel card, and another considered applying for the card just to get the mobile device coverage.

After searching for feedback, we found most cardholders are talking about the BMO eclipse Visa Infinite, which has an annual fee but offers better earn rates in the BMO Rewards program (as well as better insurance coverage).

We also checked third-party data about BMO. Here’s how the bank fares:

• J.D. Power: BMO received 542, one of the lowest customer satisfaction scores of all the banks included in the study.
• Better Business Bureau: 1.14/5 based on 140+ customer reviews
• Trustpilot: 1.2/5 based on 1,300+ customer reviews, primarily regarding poor customer service and technical problems with the mobile app and website

FAQs

Read more about credit cards:

• The best credit cards in Canada for 2025
• The best BMO credit cards in Canada 2025
• BMO Ascend World Elite Mastercard review
• Credit card interest calculator

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