BMO eclipse rise Visa Card

Relevant if: you use the BMO Rewards program and its documented categories.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Estimate with my spending

Futello estimate

Net value, first year

$134.00

The bonus in dollars, minus the fees to earn it.

Fee: no annual fee

Offer verified on November 6, 2026

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View calculation details

Offer (first 12 months): $134.00
− First-year fees: $0.00
= First-year net value: $134.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $273.75
+ Offer (first 12 months): $134
= Estimate for this profile, offer included: $407.75

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 20,000 points BMO Rewards
Conditions: $1,500 in spending within 3 months

See the offer detail

20,000 points when you spend $1,500 in the first 3 months. (91) Spend $1,500 within 3 months
End date: End date not published
Offer quality: Good Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 5,000 points $1,000 in spending within 0 months
November 3, 2026 20,000 points $1,500 in spending within 3 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward	Conditions
Groceries, Restaurants, and Pre-authorized payments	2.5 points per dollar	$5,000 cap / year · 0.5 points per dollar after the cap
Other purchases	0.5 points per dollar	No published cap

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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