The BMO eclipse Rise Visa is the entry-level card in BMO’s eclipse lifestyle rewards lineup, positioned below the premium BMO eclipse Visa Infinite. Targeting younger Canadians and those building their credit profile, it earns rewards on food, dining, and everyday spending categories with no income requirement and no annual fee. As a newer product in BMO’s portfolio, some details warrant direct verification at bmo.com before applying.
Note: The BMO eclipse Rise Visa is a relatively new product. Verify all earn rates, benefits, and current terms at bmo.com before applying — details are subject to change as BMO develops this product.
Quick Verdict
Best for: Canadians who want to enter the BMO eclipse card family with no annual fee and no income requirement — particularly those who spend on food, dining, and lifestyle categories.
Not ideal for: Those who qualify for the BMO eclipse Visa Infinite ($120/year, $60,000 income) and would benefit from its significantly higher earn rates and Visa Infinite benefits.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 (verify at bmo.com) |
| Additional cardholder fee | $0 |
| Purchase interest rate | 20.99% |
| Cash advance rate | 23.99% |
| Foreign transaction fee | 2.5% |
| Income requirement | None |
| Network | Visa |
| Welcome bonus | Verify current offer at bmo.com |
Annual fee, earn rates, and welcome bonus are subject to change. Always verify current details at bmo.com before applying.
Welcome Bonus
BMO periodically offers a welcome bonus for new eclipse Rise Visa cardholders.
Always verify the current welcome bonus at bmo.com before applying.
Earn Rates
The BMO eclipse Rise Visa earns rewards on lifestyle and everyday spending categories. Verify exact rates and categories at bmo.com.
| Category | Earn Rate |
|---|---|
| Food and dining (restaurants, bars, cafés) | Elevated — verify at bmo.com |
| Groceries | Verify at bmo.com |
| Other eligible purchases | Base rate — verify at bmo.com |
Verify exact current earn structure at bmo.com. As a newer BMO product, earn rates and categories may be updated.
BMO eclipse Rise Visa vs. eclipse Visa Infinite
| Feature | BMO eclipse Rise Visa | BMO eclipse Visa Infinite |
|---|---|---|
| Annual fee | $0 | $120 |
| Earn on food and dining | Lower | 5x BMO Rewards |
| Earn on groceries | Verify | 5x BMO Rewards |
| Income requirement | None | $60,000 personal |
| Travel insurance | None/basic | Comprehensive |
| Visa tier | Visa | Visa Infinite |
| Annual lifestyle credit | None | $50 |
Once you qualify for the Visa Infinite, the upgrade to 5x points on food, dining, groceries, and gas — plus a $50 annual lifestyle credit and comprehensive Visa Infinite insurance — makes the $120 annual fee well-justified for active lifestyle spenders.
Card Benefits
As an entry-level no-fee card, the eclipse Rise Visa includes minimal benefits. Verify at bmo.com:
- Basic purchase protection
- Travel insurance: not expected — verify at bmo.com
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $0 (verify at bmo.com) |
| Purchase interest rate | 20.99% |
| Cash advance rate | 23.99% |
| Foreign transaction fee | 2.5% |
Who Is the BMO eclipse Rise Visa Best For?
Ideal cardholders:
- Young professionals and students who want a no-fee Visa with rewards on food and dining
- Those building a credit history toward qualifying for the eclipse Visa Infinite
- Canadians who want a no-cost entry into the BMO eclipse card family
- Those who do not meet the $60,000 income requirement for the eclipse Visa Infinite
Less suitable if:
- You qualify for the BMO eclipse Visa Infinite — the 5x earn on food, dining, and groceries delivers dramatically more value at $120/year
- You prefer cash back over BMO Rewards points
- You want travel insurance included
Bottom Line
The BMO eclipse Rise Visa serves as a sensible entry point into BMO’s lifestyle rewards ecosystem. With no annual fee and no income requirement, it lets Canadians build a rewards-earning history on food and everyday spending while working toward the qualifications for the premium eclipse Visa Infinite.
Verify all current terms at bmo.com — as a relatively new product, earn rates and benefits are subject to refinement.
Card terms, earn rates, annual fee, and welcome bonus are subject to change. Always verify current details at bmo.com before applying.