The BMO eclipse rise Visa Card turns groceries, dining, and bills into rewards. Earn points while enjoying no annual fee.
Additional perks include fuel discounts, purchase protection, and a flexible redemption system. It’s built for those who maximize everyday spending.
For a simple way to earn on daily expenses, the BMO eclipse rise Visa Card could be a great choice. Visit the official website to apply today.
How Does the BMO eclipse rise Visa Card Work?
Cardholders earn 5 points per $2 spent on key categories like groceries, dining, and subscriptions. All other purchases earn 1 point per $2 spent.
A welcome bonus of 20,000 points is available for new users who meet spending requirements. An extra 5,000 points can be earned annually for responsible financial habits.
The card also includes a 0.99% intro rate on balance transfers for nine months, making it a smart option for managing debt.
Main details of the card
The BMO eclipse rise Visa Card is a no-annual-fee credit card designed to reward everyday spending. It offers a generous points system for purchases like groceries, dining, and recurring bills.
Beyond rewards, this card provides financial tools to help users manage expenses. Features like BMO PaySmart and mobile device insurance add extra value.
Keep reading to learn how to apply and take advantage of the exclusive benefits that come with this card.
Advantages of the BMO eclipse rise Visa Card
Welcome Bonus
New cardholders can earn 20,000 points after meeting spending requirements, plus 5,000 extra points each year for responsible financial habits.
No Annual Fee
Enjoy all the benefits of a premium rewards card without paying an annual fee, making it a cost-effective option for everyday use.
Accelerated Rewards
Earn 5 points per $2 spent on groceries, dining, and subscriptions, ensuring your daily purchases contribute to faster rewards accumulation.
BMO PaySmart Plan
Access one complimentary installment plan every two years, helping you manage large purchases with smaller, predictable payments.
Mobile Device Insurance
Protect your smartphone or tablet with coverage up to $1,000, safeguarding against loss, theft, or accidental damage when purchased with your card.
Fuel Savings at Shell
Enjoy exclusive savings of up to 7 cents per liter on fuel at Shell gas stations, making every refill more affordable for BMO cardholders.
What Can You Redeem BMO Rewards Points For?
BMO Rewards points offer flexibility, allowing you to use them for travel, statement credits, and more. Below is a breakdown of how you can redeem them.
| Redemption Option | Points Needed | Value Per 1,000 Points |
|---|---|---|
| Travel (Flights, Hotels, Car Rentals) | 10,000+ pts | $10 |
| Statement Credit | 12,000 pts | $10 |
| Gift Cards | 15,000 pts | $10 |
| Investment Contributions (TFSA, RRSP) | 5,000+ pts | $10 |
| Merchandise (Electronics, Fashion, etc.) | Varies | Varies |
Disclaimer: Redemption values may change based on availability and BMO’s terms. Always check the latest conversion rates before redeeming.
How to Apply for the BMO eclipse rise Visa Card?
Applying for the BMO eclipse rise Visa Card is simple and can be done entirely online. Follow these quick steps to get started.
- Visit the Official Website: Go to the BMO Harris Bank website and find the card application page.
- Check Eligibility: Ensure you meet the income and credit requirements before applying.
- Fill Out the Form: Enter your personal and financial details accurately.
- Review and Submit: Confirm all information, accept the terms, and submit your request.
- Receive Your Card: Upon approval, your BMO card will arrive in the mail, ready for activation.
Who Is the BMO eclipse rise Visa Card For?
The BMO eclipse rise Visa Card is tailored to individuals seeking a no-annual-fee credit card that rewards everyday spending. It’s particularly suitable for:
- Young Adults and Students: With no minimum income requirement, this card is accessible to those starting their financial journey.
- Budget-Conscious Consumers: The absence of an annual fee ensures that users can enjoy rewards without additional costs.
- Frequent Spenders on Essentials: Those who regularly spend on groceries, dining, and recurring bills can maximize rewards, earning 2.5 points per dollar in these categories.
- Individuals Building Credit: The card’s accessibility makes it a good option for those looking to establish or improve their credit history.
Is the BMO eclipse rise Visa Card Worth It?
The BMO eclipse rise Visa Card is great for earning rewards on essentials without an annual fee. It suits those who spend on groceries, dining, and subscriptions.
For frequent travelers, it may not be the best option. The card lacks premium travel perks and has limited redemption flexibility.
If you want simple rewards and financial tools, this card is a smart choice. For higher rewards or travel benefits, other BMO cards may be better.
Frequently Asked Questions About the BMO eclipse rise Visa Card
The BMO eclipse rise Visa Card is a no-annual-fee credit card designed to reward everyday spending, offering accelerated points on categories like groceries, dining, and recurring bills.
You can apply online through the BMO website by filling out the application form with your personal and financial information.
New applicants can earn up to 25,000 BMO Rewards points in the first year: 20,000 points after spending $1,500 in the first three months, and an additional 5,000 points for maintaining good financial habits.
Points can be redeemed for travel bookings, merchandise, gift cards, or as a statement credit through the BMO Rewards portal.