BMO
BMO eclipse rise Visa
Rise above with no annual fee and 5 BMO Rewards points for every $2 on groceries, dining and recurring bills. Built to help you build good credit habits, with bonus points for paying on time.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 5 BMO Rewards points per $2 (2.5 pts/$1) on groceries, dining/takeout and recurring bill payments
- 1 pt per $2 (0.5 pts/$1) on all other purchases
- bonus points for on-time payments
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | 0.99% introductory rate on balance transfers for 9 months (offer subject to change) |
| Balance transfer rate | 23.99% (21.99% for Quebec residents) |
| Balance transfer fee | 2% of the amount transferred on the promotional offer |
| Cash advance | 1.00% of the advance or minimum $5.00; cash advance APR 23.99% (21.99% in Quebec) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.