BMO eclipse rise Visa
BMO Rewards0.7¢ exact
$0 annual fee
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No-fee starter card aimed at students and newcomers. Earns 2.5x on groceries, dining, and recurring bills, but only 0.5x on most other categories. BMO Rewards redeem at roughly 1 cpp via travel. A reasonable first credit card for someone with limited credit history.
Earn Rates
🛒 Groceries — Amex accepted2.5x🍽️ Dining2.5x📄 Bills2.5x·Everything else0.5x
💡 2.5x on groceries, dining, and recurring bill payments. 0.5x on all other purchases. Plus a 2,500-point annual bonus for paying balance in full on time for 12 consecutive months.
Welcome Bonus
Smart Bonus Strategy — Earn 20,750 points
Spend $1,500 within 3 months
Minimum spend bonus
Spend $1,500 in 3 months
optimal stop20,000 pts × 0.7¢+$134Min. spend earnings750 pts × 0.7¢+$5
Annual fee$0
Net first-year value+$139
Not Included in Smart Bonus Strategy
up to 5,000 annual bonus points for good financial habits
Spend $0
5,000 pts × 0.7¢+$34Compare to Similar Cards
BMO Ascend World Elite Mastercard
BMO Rewards0.7¢ exact
$150 annual fee
you could earn$408
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