BMO Rewards Credit Cards
Get up to 20,000 welcome points, earn on all purchases, enjoy no annual fee with the BMO eclipse rise Visa Card. Generous rewards program for everyday spending.
The BMO Rewards Credit Cards lineup gives you flexible options to earn points while you spend, with standout features such as generous welcome offers. The BMO eclipse rise Visa Card is especially attractive, featuring a welcome bonus of 20,000 points, no annual fee, and an introductory 0.99% interest rate on balance transfers for nine months (2% fee applies). Regular purchase rates are 21.99% and cash advances are 23.99% (or 21.99% in Quebec), making it competitive within its category.
Cómo aplicar: Paso a paso
1. Visit the BMO website and select your preferred rewards credit card.
2. Review the terms, eligibility, and welcome offer details.
3. Click the application button and fill out the online form with your personal and financial info.
4. Submit any required documents to verify your identity and income.
5. Receive a decision, and if approved, set up your online account to activate and manage your card.
Ventajas clave
Enjoying no annual fee means you keep more of your rewards. The welcome bonus of 20,000 points jump-starts your earnings right away, creating extra value. Earning on all purchases further rewards your everyday spending, and redemption options are extensive: travel, merchandise, gift cards, and Pay with Points for eligible expenses.
Possible Downsides
The standard purchase interest rate is slightly above average at 21.99%, so carrying a balance can become costly. Some premium cards require high annual income for approval, which might limit eligibility for many applicants. Also, bonus point structures may require minimum spends each year to maximize returns, so less frequent users may not achieve full benefit.
Veredicto final
The BMO Rewards Credit Cards, with options like the BMO eclipse rise Visa Card, deliver excellent value for those who want flexible rewards and low fees. The combination of strong welcome offers, ease of earning, and a straightforward redemption process makes these cards well-suited to Canadian users who want to make the most of their everyday spending.
