How do I unlock all 25,000 BMO Rewards points on the BMO eclipse rise Visa Card?

The 25,000-point welcome bonus is broken into three milestones. You receive 20,000 points after $1,500 in net purchases during the first three months, 2,500 points the first time you redeem at least 12,000 points using Pay with Points within 12 months, and another 2,500 points if you make on-time payments for 12 consecutive months. Hitting all three milestones takes a full year, but for a no-fee card the total is generous — about $165 in travel value through the BMO Rewards portal at the standard 0.67 cent per point rate.

Is the BMO eclipse rise Visa Card accepted at Costco?

No. Costco Canada only accepts Mastercard, so the BMO eclipse rise — a Visa — cannot be used at Costco warehouses or Costco gas bars. The card still earns 2.5 points per dollar at every other grocery store, restaurant and recurring bill payment, so it works well as a secondary card if you keep a separate Mastercard for Costco. The BMO CashBack Mastercard or BMO Ascend World Elite Mastercard are common pairings for households doing most of their groceries at Costco.

What is the minimum income for the BMO eclipse rise Visa Card?

There is no minimum income required for the BMO eclipse rise. The card is positioned as a credit-building product for students, newcomers and anyone with a thinner credit file, so BMO approves it without an income floor. You still need a fair credit score and recent payment history to get approved, but a part-time income, a job offer, or significant monthly cash flow is generally enough. There is no annual fee either, which keeps the card cheap to hold while you build a track record.

Are BMO Rewards points the same on the eclipse rise as on premium BMO cards?

Yes. BMO Rewards points earned on the eclipse rise pool with points from any other BMO Rewards card you hold, including the BMO Ascend World Elite Mastercard and the BMO eclipse Visa Infinite. Once combined, you can redeem them through Pay with Points for travel, statement credits, gift cards or investments. That makes the eclipse rise a useful supplement to a premium card — its 2.5x grocery and dining categories pad the same balance you use for travel redemptions, with no annual fee.