How to unlock the 25,000 BMO Rewards points on the BMO eclipse rise Visa* Card?

The welcome offer of up to 25,000 BMO Rewards points on the BMO eclipse rise Visa* Card is unlocked in three steps: 20,000 points after spending $1,500 in the first 3 months, 2,500 anniversary points upon redeeming at least 12,000 points via Pay with Points, and 2,500 points per year if you pay your full balance on time each month. The combined 25,000 points are worth approximately $167 in travel credit or $168 in investments, which is practically the same value as the no-annual-fee bonus.

What accumulation rates does the BMO eclipse rise Visa* Card offer?

The BMO eclipse rise Visa* Card earns 5 BMO Rewards points per $2 spent on groceries, dining, and bills (i.e., 2.5 points per dollar) and 1 point per $2 elsewhere (i.e., 0.5 points per dollar). Converted at a value of 0.67 cents per point for optimal redemption, this represents an effective return of approximately 1.67% on bonus categories. The card targets young consumers (Generation Z and millennials) looking for a no-annual-fee product with modern digital benefits.

Does the BMO eclipse rise Visa* Card require a minimum income?

No. The BMO eclipse rise Visa* Card does not require any minimum personal or household income, making it one of the most accessible BMO cards for newcomers to Canada, students, and young professionals starting their careers. BMO still reviews your Equifax score (typically 660 or higher) and your Canadian credit history. With no annual fee and mobile device insurance up to $1,000 included, it's an excellent product for building a credit file while getting protection for high-end cell phones.

How does the 0.99% balance transfer on the BMO eclipse rise Visa* Card work?

The BMO eclipse rise Visa* Card offers a promotional balance transfer rate of 0.99% for 9 months on balances transferred within the first 90 days of approval, with a 2% transfer fee on the transferred amount (minimum $7.50). This can represent major savings for anyone transferring an existing balance at 19.99%: on $5,000 transferred for 9 months, the net savings reach approximately $660 after transfer fees. After the promotional period, the rate reverts to the card's standard purchase rate.

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

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