BMO
No annual fee, 20,000 welcome points, up to 5,000 bonus points annually, 0.99% intro rate for balance transfers, and competitive purchase rates.
The BMO eclipse rise Visa* Card is a compelling offer in the Canadian market, known for its $0 annual fee and strong rewards program. With a standard purchase interest rate of 21.99% and a cash advance rate of 23.99%, it remains competitive with other major cards. For Quebec residents, the purchase rate matches at 21.99%. The standout feature is the 0.99% introductory rate for balance transfers for 9 months, carrying only a 2% transfer fee.
The welcome bonus includes 20,000 points when you sign up, plus a chance to earn up to 5,000 bonus points every year. The eligibility is open, with no overwhelming income restrictions, making it accessible to a broad spectrum of applicants.
How to Apply for the BMO eclipse rise Visa* Card
- Visit the official BMO credit card page
- Select the eclipse rise Visa* Card and click Apply
- Fill in your personal information and income details
- Submit your application for instant review
- If approved, await your card via mail, activate, and enjoy
Advantages of the Card
One of the biggest advantages is the absence of an annual fee, which is ideal for budget-conscious users. The rewards structure is attractive, providing value whether you spend modestly or frequently. Access to a lengthy low balance transfer rate is rare among no-fee cards and supports those looking to refinance debt affordably.
Wady do rozważenia
The regular interest rate for purchases (21.99%) is typical of most Canadian cards but may be high for those who carry a balance. Cash advance rates also sit at the higher end, so this card is best for those who primarily make purchases and pay in full.
Ostateczny werdykt
The BMO eclipse rise Visa* Card stands out for its no annual fee, generous welcome offer, and flexible rewards. It’s well suited for Canadians seeking everyday rewards without significant fees, but less so if you consistently carry a balance. Overall, it earns a strong recommendation for practical and rewards-focused cardholders.
