BMO eclipse rise Visa Card Review 2025
A modern no-annual-fee card designed for younger Canadians with high spending on dining, entertainment, and subscriptions.
The BMO eclipse rise Visa Card, launched in late 2024, targets millennials and Gen Z with lifestyle-focused rewards and premium benefits – all without an annual fee.
This card stands out in the crowded no-fee category by offering earn rates and insurance typically found on premium cards.
Rewards Structure
You earn BMO Rewards points at these rates:
- 5 points per $1 spent on restaurants, bars, coffee shops, food delivery, and select grocery merchants
- 5 points per $1 on streaming services (Netflix, Spotify, Disney+, etc.)
- 3 points per $1 on recurring bills and subscriptions
- 3 points per $1 on transit and rideshares
- 1 point per $1 on all other purchases
Welcome Bonus
Current offer: Up to 40,000 bonus points in the first year – one of the strongest no-fee bonuses available in Canada.
Point Redemption Options
Points are worth 1 cent each when redeemed for travel through the BMO Rewards portal or as statement credits. You can also invest points directly into BMO investment accounts or redeem for merchandise and gift cards.
Insurance Coverage
Surprisingly strong for a no-fee card:
- Mobile device insurance up to $1,000 for new phones
- Purchase protection and extended warranty
- Common carrier accident insurance
- Visa Zero Liability protection
Additional Perks
Access to exclusive BMO lifestyle events, discounts on subscriptions, and personalized spending insights through the BMO app.
Pros of the BMO eclipse rise Visa
- No annual fee
- Excellent earn rates on popular categories for younger Canadians
- Strong welcome bonus
- Premium insurance benefits
- Modern app and digital features
Cons to Consider
- Points value is lower than transferable points programs
- Limited premium travel benefits
- Requires good credit for approval
Who This Card Is Best For
This card is ideal for Canadians aged 20-35 who spend heavily on dining out, food delivery, streaming services, and subscriptions. If your monthly spending in these categories exceeds $800, you'll easily earn enough points to justify keeping the card long-term.
Overall verdict: One of the strongest no-annual-fee cards in Canada for 2025, especially for lifestyle spending.
