Fixed-value pointsNo annual feeBMO · Visa

BMO eclipse rise Visa

A no-fee BMO card: 2.5 points per $1 (about 1.7% back in travel) on groceries, dining and recurring bills

Welcome offer now

Earn 20,000 BMO Rewards points (≈ $133 travel value) when you spend $1,500 in the first 3 months — plus up to 5,000 bonus points/year for good financial habits = "up to 25,000 points" in year one.

Ends October 31, 2027.

Checked on BMO's own page October 21, 2026. See BMO's page

What it earns in a year

38,200 points a year

Worth about $191 at the simplest redemption, up to $256 at the best.

Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.

Try it with your own spending →

Dining & restaurants (First $5,000 a year, then 0.5× points): 2.5× points.
Groceries (First $5,000 a year, then 0.5× points): 2.5× points.
Bills & subscriptions (First $5,000 a year, then 0.5× points): 2.5× points.
Everything else: 0.5× points.

Highlighted = use this card here.

Using your points

On the spending above, 38,200 points a year: worth $191 the easy way, $256 the best way.

Easy way (0.5¢): Statement credit or investments
Best way (0.67¢): BMO's travel booking: 150 points = $1

Every rewards program compared →

How to apply for the BMO eclipse rise Visa

Check first

Bonus for new cardholders only: not if you hold or held this card, or switch in from another BMO card
Keep it 90 days: the bonus is cancelled if you close the account sooner

Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
Apply on BMO's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on BMO's site →
After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.

How to use it

Welcome offer: spend $1,500 in the first 3 months for 20,000 points (about $133 in travel). Apply by October 31, 2027
Groceries, dining, recurring bills: 2.5 points per $1 on the first $5,000 a year in each, then 0.5
Everything else: 0.5 points per $1 (about 0.3%). Use another card
Pay in full every month: 12 months on time adds 2,500 points; redeeming 12,000+ points in the year adds 2,500 more
Redeeming: travel is the best use: 150 points = $1. Statement credit is worth less
Example: $800/month groceries + $250/month dining + $300/month bills = 31,300 points a year = about $209 in travel

Key facts

Annual fee: $0
Purchase interest: 21.99%
Foreign currency fee: 2.5%
Min. personal income: None published
Min. household income: None published
Rewards: BMO RewardsSee every BMO Rewards card

Annual fee waiver

No annual fee

From bmo.com product page, checked October 17, 2026. Not an affiliate link.

More BMO cards

Best paired with

Neo World Elite Mastercard

This card: dining & restaurants
Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else
Together: $711 a year after both fees, vs $191 with this card alone

If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else makes it $897 a year. Costco and Loblaw-banner grocers don't take Amex.

Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.

Pros

No annual fee, no minimum income, free additional cards
20,000 points for $1,500 in 3 months, plus up to 5,000 bonus points a year for good habits
2.5 points per $1 on groceries, dining and recurring bills
Pay with Points: redeem against recent purchases from $1
$1,000 phone insurance on a no-fee card
0.99% balance-transfer rate for 9 months (2% fee)

Cons

2.5 points stops after $5,000 a year in each category; groceries at $800/month hit it in about 6 months
0.5 points per $1 on everything else (about 0.3%)
Points are worth about 0.67¢ only in travel; less as a statement credit
No airline or hotel transfers
No travel insurance
2.5% on foreign-currency purchases
Points are lost 90 days after you close the account

Insurance included

Phone: $1,000 for loss, theft or damage
Purchases: 90 days of theft/damage cover, warranty +1 year

Maximums as BMO lists them. Conditions apply; the insurance certificate decides claims.

Perks

BMO PaySmart: one free instalment plan, no fees or interest, every two years
Avis and Budget: up to 30% / 35% off base rates when prepaid with the card
Pay with Points: cover any recent purchase with points, in the BMO app

Other cards for groceries

Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.

Card	Earns on groceries	Back a year	Annual fee	Terms checked
Amex Cobalt	5× points≈ 10.0% in value	$960	$192	October 21, 2026
Scotiabank Gold Amex	6× points	$576	$120	November 2, 2026
Neo World Elite Mastercard	5% back	$480	$149	October 21, 2026
National Bank World Elite Mastercard	5× points	$480	$150	October 21, 2026
Desjardins Cash Back World Elite Mastercard	4% back	$384	$100	October 23, 2026
SimplyCash Preferred	4% back	$384	$120	October 21, 2026
BMO eclipse rise Visa	2.5× points≈ 1.0% in value	$99	$0	October 21, 2026

Other cards for dining & restaurants

Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.

Card	Earns on dining & restaurants	Back a year	Annual fee	Terms checked
Amex Cobalt	5× points≈ 10.0% in value	$300	$192	October 21, 2026
Scotiabank Gold Amex	5× points	$150	$120	November 2, 2026
National Bank World Elite Mastercard	5× points	$150	$150	October 21, 2026
Simplii Cash Back Visa	4% back	$120	$0	October 21, 2026
RBC British Airways Visa Infinite	2× points≈ 4.0% in value	$120	$165	October 23, 2026
Desjardins Odyssey Visa Infinite Privilege	4% back	$120	$395	October 21, 2026
BMO eclipse rise Visa	2.5× points≈ 1.7% in value	$50	$0	October 21, 2026

How the offer has changed

One row per check of BMO's page, newest first. Old rows are never edited.

Checked	Welcome offer	Fee, year one	Ends
October 21, 2026	20,000 points for $1,500 in the first 3 months, plus up to 5,000 bonus points a year (2,500 for paying in full on time 12 months running, 2,500 for redeeming 12,000+ points), marketed as "25,000 bonus points"; 0.99% balance-transfer intro for 9 months (2% fee). Applications Dec 4, 2023 to Oct 31, 2027Unchanged since October 17, 2026 (product page, BMO footnotes page, fee insert all the same). The /main/... product URL now redirects to BMO's 404 page; the /en-ca/main/... URL works	$0	October 31, 2027
October 17, 2026	20,000 points for $1,500 in the first 3 months, plus up to 5,000 bonus points a year (2,500 for paying in full on time 12 months running, 2,500 for redeeming 12,000+ points), marketed as "25,000 bonus points"; 0.99% balance-transfer intro for 9 months (2% fee). Applications Dec 4, 2023 to Oct 31, 2027Offer unchanged. BMO's terms give the end date as October 31, 2027 (doc had Jun 30 2026). Car-rental discounts on the page are now Avis/Budget	$0	October 31, 2027

General information, not financial advice. Offers change; confirm on BMO's page before you apply.