{"id":1028575,"date":"2023-12-14T12:00:19","date_gmt":"2023-12-14T17:00:19","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1028575"},"modified":"2026-10-06T14:46:13","modified_gmt":"2026-10-06T18:46:13","slug":"bmo-eclipse-rise-visa-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review","title":{"rendered":"BMO eclipse rise Visa Card Review: Is It Worth It?"},"content":{"rendered":"<h3>BMO eclipse rise Visa Card pros<\/h3><ul class=\"list-1\"><li><strong>No annual fee.<\/strong> The cardholder I spoke to already had the BMO CashBack Mastercard but was offered the BMO eclipse rise Visa as well. They wanted to build their credit score and went with the eclipse rise Visa because it has no annual fee. Having two credit cards can help your credit score by increasing your total available credit, which can lower your credit utilization ratio, as long as you keep your balances low and pay your bills on time.<\/li><li><strong>Welcome offer.<\/strong> Get 20,000 points for spending $1,500 on your card in the first 3 months. You can get a further 2,500 points for redeeming at least 12,000 points annually towards your statement balance with Pay with points and 2,500 points more for paying your full credit card balance on time for 12 consecutive months.<\/li><li><strong>Earn BMO Rewards points.<\/strong> Earn five times the BMO Rewards points for every $2 you spend on recurring bill payments, groceries, dining and takeout. You also earn one point for every $2 spent on everything else. The cardholder I spoke to moved all their recurring bills to their BMO eclipse rise Visa to take advantage of the higher earn rate.<\/li><li><strong>Spend your BMO Rewards points.<\/strong> You can redeem BMO Rewards points for merchandise and gift cards from popular brands, book flights, hotels, car rentals, cruises and vacation packages, or use Pay with Points to pay for eligible purchases, like gas or groceries. You can also redeem points for contributions to eligible BMO savings or investment accounts, which is what the cardholder I spoke to does.<\/li><li><strong>Purchase protection and extended warranty.<\/strong> Purchase protection covers eligible items you buy with your card if they are lost, stolen or damaged within 90 days of purchase. The BMO eclipse rise Visa card also doubles the original manufacturer\u2019s warranty on eligible purchases for up to one additional year.<\/li><li><strong>0.99% for 9 months on balance transfers.<\/strong> If you\u2019re transferring a balance over to your new card, this introductory offer entitles you to an interest rate of 0.99%.<\/li><li><strong>Mobile device insurance.<\/strong> This card comes with mobile device insurance that provides up to $1,000 of coverage if your device is lost, stolen or accidentally damaged.<\/li><li><strong>Customizable spending and fraud alerts. <\/strong>The BMO Mobile Banking app lets you set alerts for purchases above a chosen amount, suspicious activity, declined transactions, approaching your credit limit and upcoming payments. The cardholder I spoke to received an alert when someone tried to use their card information for a declined transaction. This allowed them to spot the attempted fraud quickly, report it, and have their card cancelled and replaced within a few days.<\/li><li><strong>No minimum income requirement.<\/strong> There\u2019s no personal income requirement you must meet to qualify for this card.<\/li><li><strong>Save on groceries.<\/strong> Get three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.<\/li><li><strong>Spread out larger purchases. <\/strong>Eligible BMO eclipse rise Visa cardholders get one free BMO PaySmart plan every 24 months for a purchase of $100 to $1,000. The cardholder I spoke to uses this free offer for their larger purchases, avoiding the standard fee of up to 0.9% of the purchase amount.<\/li><li><strong>Car rental discounts.<\/strong> Planning a vacation or a weekend away? Cardholders are also entitled to .<\/li><li><strong>Get personalized credit insights. <\/strong>You can check your TransUnion credit score for free and use BMO\u2019s Credit Coach to understand the factors affecting your score, learn how to build your credit and get personalized tips to improve your credit habits. This helped the cardholder I spoke to increase their credit score by 50 points in a year.<\/li><li><strong>Points appear quickly. <\/strong>BMO Rewards points are calculated daily and can be deposited into your account in as little as three business days, which the cardholder confirmed.<\/li><li><strong>Balance protection coverage. <\/strong>Cardholders can purchase optional balance protection for up to $20,000 of their outstanding balance at a cost of $1 per $100 of balance each month.<\/li><\/ul><h3>Cons<\/h3><ul class=\"list-12\"><li><strong>Less versatile than cash back. <\/strong>The cardholder I spoke to finds the cash back from their BMO CashBack Mastercard more versatile than BMO Rewards points. Cash back can be redeemed as a statement credit or deposited into an eligible BMO account, while BMO Rewards points have more specific redemption options, such as eligible purchases, travel and BMO savings or investment accounts.<\/li><li><strong>Good credit needed.<\/strong> You\u2019ll need a good credit score of 660 or more to qualify for this card. Have bad credit? <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-cards-bad-credit\">Learn about credit cards for bad credit.<\/a><\/li><li><strong>Balance transfer fee.<\/strong> If you take advantage of the balance transfer offer, be aware that a 2% balance transfer fee applies. <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/balance-transfer-credit-cards\">Learn more about balance transfer cards.<\/a><\/li><li><strong>Introductory rate only applies for a limited time.<\/strong> Once the introductory rate ends after 9 months, the balance you transferred will be subject to an interest rate of 23.99% (21.99% in Quebec).<\/li><li><strong>Lower rewards earn rate in other categories.<\/strong> Outside the four main spending categories for rewards (recurring bill payments, groceries, dining out and takeout &amp; food delivery), this card only allows you to earn one point for every $2 spent on all other purchases.<\/li><li><strong>No travel insurance.<\/strong> This card doesn\u2019t come with any complimentary travel insurance, but BMO says it provides cost-effective options.<\/li><\/ul><h3>Alternatives<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  border-bottom-right-radius: 0;\n}\n\n.i-3 {\n  border-left: 0;\n  border-top-left-radius: 0;\n  border-bottom-left-radius: 0;\n}\n\n #product-comparison-box {\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        margin-bottom: 16px;\n        width: 99%;\n  }\n\n@media (max-width: 800px) {\n   #product-comparison-box {\n        flex-direction: column;\n        align-items: center;\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        width: 85% !important;\n        padding: 0 0 10px 0 !important;\n        \n  }\n\n  .luna-card--shadow {\n      margin-right: 0;\n  }\n \n\n  .comparisonPick-item {\n    width: 100% !important;\n    border:none;\n    box-shadow:none;\n    border-bottom-left-radius: 1rem;\n    border-bottom-right-radius: 1rem;\n\n  }\n  .container-reviewComparison {\n    padding: 0 !important;\n    }\n\n  .i-1{\n    box-shadow: 4px 6px 0 0 #232320;\n    border-bottom: 1px solid #232320;\n  }\n\n  \/* Reset desktop connected-card styles *\/\n  \/* .i-1 {\n    background-color: #fff;\n    margin-left: 0 !important;\n  } *\/\n\n  .i-2 {\n    border-right: revert;\n    border-top-right-radius: revert;\n    border-bottom: 1px solid #232320;\n  }\n\n  .i-3 {\n    border-left: revert;\n    border-top-left-radius: revert;\n    border-bottom-left-radius: revert;\n  }\n}\n\n\np {\n white-space:normal\n}\n\n.pick {\n    margin-top: 0.3em;\n    margin-bottom: 0.3em;\n}\n\n.luna-card__topPick {\npadding-top: 0.5em !important;\npadding-bottom: 0.5em !important;\npadding-left: 0.5em !important;\npadding-right: 0.5em !important;\n  overflow: visible !important;\n\n}\n\n.container-reviewComparison {\n  width: 100%;\n  height: auto;\n  white-space: nowrap;\n\n}\n\n.flex-object {\n  display: flex;\n  flex-wrap: nowrap; \n  overflow: auto;\n}\n\n.flex-item-1 {\n  flex: 0 0 auto;\n}\n@media (min-width: 801px) {\n  .comparisonPick-item {\n    \/\/margin: 0px !important; \n    width: calc(96% \/ 3) !important;\n    overflow: visible !important;\n  } \n\n  .i-1 {\n  box-shadow: 4px 6px 0 0 #232320 !important;\n  border: 2px solid #232320 !important;\n  border-left: 0 !important;\n  border-top: 0 !important;\n}\n  .luna-card{\n    margin-bottom: 0;}\n  .luna-card--shadow {\n    border: none;\n    box-shadow:none;\n\n}\n\n}\n\n\n\/* @media (max-width:801px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 70% !important;\n}\n} *\/\n\n\/* @media (max-width:481px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 85% !important;\n} *\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n            \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n            \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n            \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n    \n\n<div class=\"outer-container\">\n    <div id=\"product-comparison-box\" class=\"container-reviewComparison flex-object\">\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-1\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/66350653d6958.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info bd82ba92-36f3-45a7-9c9d-fa0ea5815e34\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"bd82ba92-36f3-45a7-9c9d-fa0ea5815e34\" data-product-name=\"BMO CashBack Mastercard\" data-niche=\"Credit Cards\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to BMO\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-cashback-mastercard-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bd82ba92-36f3-45a7-9c9d-fa0ea5815e34%22%2C%22product_name%22%3A%22BMO%2BCashBack%2BMastercard%22%2C%22offer_id%22%3A%2221489%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%221028575%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-eclipse-rise-visa-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                5% cashback\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 3% cashback\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $0\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        660\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 85331120-bbda-48bc-b1ad-d0e17b8e76a5\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" data-product-name=\"American Express Cobalt Card\" data-niche=\"Credit Cards\" data-provider-name=\"American Express\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to American Express\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22offer_id%22%3A%229289%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%221028575%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-eclipse-rise-visa-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                15,000 points\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 5x points per $1 spent\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $191.88\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        700\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" data-product-name=\"RBC Cash Back Mastercard\" data-niche=\"Credit Cards\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to RBC\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/rbc-cash-back-mastercard-ca-credit-cards-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225ae93a81-6fcb-4c55-b1d4-a3b2064bc52c%22%2C%22product_name%22%3A%22RBC%2BCash%2BBack%2BMastercard%22%2C%22offer_id%22%3A%2221769%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%221028575%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-eclipse-rise-visa-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                Up to 5% cash back\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 2% cash back\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $0\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        650\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Must read: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-card-offers\" style=\"text-decoration:underline; font-size:0.9em;\">Earn money with these credit card bonuses<\/a>\n<\/div>\n<\/article> <h3>BMO eclipse rise Visa Card interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Interest type<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Interest rate<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Purchase rate<\/td><td>21.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><tr><td>Introductory balance transfer rate (first 9 months)<\/td><td>0.99%<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><\/tbody><\/table><h3>What are the eligibility requirements of the BMO eclipse rise Visa Card?<\/h3><ul><li>Be a Canadian citizen or a permanent resident<\/li><li>Be the age of majority in your province or territory of residence (18 or 19)<\/li><li>Have not declared bankruptcy within the past seven years<\/li><li>Have a good to excellent credit score of 660 or higher<\/li><\/ul><h3>What are the required documents?<\/h3><ul><li>Your name, address and contact details<\/li><li>Your Social Insurance Number (SIN) and date of birth<\/li><li>Your employment information<\/li><li>Your financial information, including details of any debts and assets<\/li><\/ul><h3>What\u2019s the application process like?<\/h3><ol><li>Click on the <strong>Go to site <\/strong>button at the top of this page to be securely directed to the BMO eclipse rise Visa Card application form.<\/li><li>Review the eligibility requirements and confirm that you meet them. You\u2019ll also need to indicate whether you already have a BMO debit card and a Canadian address.<\/li><li>Review the Disclosure Statement for full details of this card\u2019s fees, rates and features, then confirm you agree.<\/li><li>Enter your full name and contact details.<\/li><li>Search for your address and indicate whether you rent or own your home. You\u2019ll also need to provide your monthly payment and how long you\u2019ve lived at your current address.<\/li><li>Choose whether to provide your SIN to verify your identity right away.<\/li><li>Provide your employment status, occupation category, position, length of employment, work phone number, income, income source and any additional household income.<\/li><li>Choose whether to add another cardholder and optional balance protection coverage.<\/li><li>Confirm your details, read the BMO eclipse rise Visa Terms &amp; Conditions and submit your application.<\/li><\/ol><h3>How safe is the BMO eclipse rise Visa Card?<\/h3><p>The BMO eclipse rise Visa Card uses chip technology for added security. Its encrypted microchip provides protection against counterfeiting, while creating a PIN provides an extra layer of security. BMO also has its own Financial Crimes Unit to monitor and manage security threats 24\/7.<\/p><p>The card also offers protection when shopping online. Look for the Visa Secure badge at participating retailers to enjoy the peace of mind of knowing your online purchases are secured against unauthorized card use. You\u2019re also covered by Visa\u2019s Zero Liability protection for eligible unauthorized transactions.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What is the grace period on the BMO eclipse rise Visa?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The BMO eclipse rise Visa has an interest-free grace period of 21 days on purchases when you pay your balance in full by the due date. The grace period doesn't apply to cash advances or balance transfers.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Do I need to pay a fee for a balance transfer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. This card charges a fee that is 2% of the balance you transfer.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Is the BMO eclipse rise Visa the same as the BMO eclipse Visa Infinite?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. The eclipse Visa Infinite is a premium rewards card that boasts increased points earning power and perks like access to the Visa Infinite Luxury Hotel Collection and Visa Infinite Concierge. It also comes with a $120 annual fee. For more details, check out our <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-eclipse-visa-infinite-review\">BMO eclipse Visa Infinite review<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">How do I activate my BMO eclipse rise Visa?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can activate your new card through BMO online banking or the BMO mobile banking app. You can also activate it by calling the number on the back of your card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I apply for a BMO eclipse rise Visa online?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Simply click the <strong>Go to site <\/strong>link in the table above to be redirected to an online application form for the BMO eclipse rise Visa.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>A BMO eclipse rise Visa cardholder shares their experience, from rewards and perks to everyday use.<\/p>\n","protected":false},"author":1395,"featured_media":1084497,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"BMO eclipse rise Visa","_yoast_wpseo_title":"BMO eclipse rise Visa Card: Is It Worth It? | Finder Canada","_yoast_wpseo_metadesc":"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"516","post_co_author_date":"2026-10-06T14:46:18","post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1000","post_editor_date":"","post_author_date":"2026-10-05T18:33:24","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-10-06 18:45:09\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this whole review to incorporate a real cardholder&#39;s experience.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[91],"tags":[],"asset_tag":[],"class_list":["post-1028575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BMO eclipse rise Visa Card: Is It Worth It? | Finder Canada<\/title>\n<meta name=\"description\" content=\"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BMO eclipse rise Visa Card Review: Is It Worth It?\" \/>\n<meta property=\"og:description\" content=\"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-14T17:00:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rebecca Low\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rebecca Low\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review\"},\"author\":[{\"name\":\"Rebecca Low\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/dac978d814ec5930cc37687e07dc2c41\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/e84372ad54f89a7447d88eab25817464\"}],\"headline\":\"BMO eclipse rise Visa Card Review: Is It Worth It?\",\"datePublished\":\"2023-12-14T17:00:19+00:00\",\"dateModified\":\"2026-10-06T14:45:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review\"},\"wordCount\":2249,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2023\\\/12\\\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/9d47eeda06b879b07a813536f2068c72\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review\",\"name\":\"BMO eclipse rise Visa Card: Is It Worth It? | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2023\\\/12\\\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg\",\"datePublished\":\"2023-12-14T17:00:19+00:00\",\"dateModified\":\"2026-10-06T14:45:09+00:00\",\"description\":\"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#primaryimage\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2023\\\/12\\\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2023\\\/12\\\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/bmo-eclipse-rise-visa-review#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"BMO eclipse rise Visa Card Review: Is It Worth It?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/dac978d814ec5930cc37687e07dc2c41\",\"name\":\"Rebecca Low\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg\",\"caption\":\"Rebecca Low\"},\"description\":\"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including Wise, income.ca and Indeed, writing on topics like personal finance, career development, and travel.\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/rebeccalow\",\"jobTitle\":\"Writer\",\"sameAs\":[],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/e84372ad54f89a7447d88eab25817464\",\"name\":\"Tim Falk\",\"description\":\"Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he\u2019s not staring at his computer, you can usually find him exploring the great outdoors.\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/timfalk\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Stock Trading\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/TimFalkF1_Finder_600x600.pngb5aad1af72eea4d4075cb744e502e062\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/TimFalkF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/TimFalkF1_Finder_600x600.png\",\"caption\":\"Tim Falk\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/9d47eeda06b879b07a813536f2068c72\",\"name\":\"Leanne Escobal\",\"description\":\"Leanne Escobal is a senior publisher at Finder with more than 13 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC\u00ae) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University.\",\"jobTitle\":\"Senior Publisher\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/leanneescobal\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/leanne-escobal\\\/\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"},{\"@type\":\"Thing\",\"name\":\"Short-Term Loans\"},{\"@type\":\"Thing\",\"name\":\"International Money Transfers\"},{\"@type\":\"Thing\",\"name\":\"Make Money Online\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/LeanneEscobalF1_Finder_600x600.png0c6c6eca55d7777953e1435f3bebf9aa\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/LeanneEscobalF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/LeanneEscobalF1_Finder_600x600.png\",\"caption\":\"Leanne Escobal\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the grace period on the BMO eclipse rise Visa?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The BMO eclipse rise Visa has an interest-free grace period of 21 days on purchases when you pay your balance in full by the due date. The grace period doesn't apply to cash advances or balance transfers.\"}},{\"@type\":\"Question\",\"name\":\"Do I need to pay a fee for a balance transfer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. This card charges a fee that is 2% of the balance you transfer.\"}},{\"@type\":\"Question\",\"name\":\"Is the BMO eclipse rise Visa the same as the BMO eclipse Visa Infinite?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The eclipse Visa Infinite is a premium rewards card that boasts increased points earning power and perks like access to the Visa Infinite Luxury Hotel Collection and Visa Infinite Concierge. It also comes with a $120 annual fee. For more details, check out our BMO eclipse Visa Infinite review.\"}},{\"@type\":\"Question\",\"name\":\"How do I activate my BMO eclipse rise Visa?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can activate your new card through BMO online banking or the BMO mobile banking app. You can also activate it by calling the number on the back of your card.\"}},{\"@type\":\"Question\",\"name\":\"Can I apply for a BMO eclipse rise Visa online?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Simply click the Go to site link in the table above to be redirected to an online application form for the BMO eclipse rise Visa.\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-10-06T14:45:09+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"BMO eclipse rise Visa Card: Is It Worth It? | Finder Canada","description":"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review","og_locale":"en_US","og_type":"article","og_title":"BMO eclipse rise Visa Card Review: Is It Worth It?","og_description":"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.","og_url":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review","og_site_name":"Finder Canada","article_published_time":"2023-12-14T17:00:19+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg","type":"image\/jpeg"}],"author":"Rebecca Low","twitter_misc":{"Written by":"Rebecca Low","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review"},"author":[{"name":"Rebecca Low","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41"},{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464"}],"headline":"BMO eclipse rise Visa Card Review: Is It Worth It?","datePublished":"2023-12-14T17:00:19+00:00","dateModified":"2026-10-06T14:45:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review"},"wordCount":2249,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg","articleSection":["Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"editor":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72"},"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review","url":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review","name":"BMO eclipse rise Visa Card: Is It Worth It? | Finder Canada","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg","datePublished":"2023-12-14T17:00:19+00:00","dateModified":"2026-10-06T14:45:09+00:00","description":"See how the BMO eclipse rise Visa stacks up, with insights from a cardholder and an assessment of its rewards, perks, drawbacks, fees and overall value.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2023\/12\/BMOEclipseRiseVisa_Supplied_1800x1000.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards"},{"@type":"ListItem","position":3,"name":"BMO eclipse rise Visa Card Review: Is It Worth It?"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41","name":"Rebecca Low","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","caption":"Rebecca Low"},"description":"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including Wise, income.ca and Indeed, writing on topics like personal finance, career development, and travel.","url":"https:\/\/www.finder.com\/ca\/author\/rebeccalow","jobTitle":"Writer","sameAs":[],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464","name":"Tim Falk","description":"Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he\u2019s not staring at his computer, you can usually find him exploring the great outdoors.","jobTitle":"Writer","url":"https:\/\/www.finder.com\/ca\/author\/timfalk","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Stock Trading"},{"@type":"Thing","name":"Cryptocurrency"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.pngb5aad1af72eea4d4075cb744e502e062","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/TimFalkF1_Finder_600x600.png","caption":"Tim Falk"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72","name":"Leanne Escobal","description":"Leanne Escobal is a senior publisher at Finder with more than 13 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC\u00ae) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University.","jobTitle":"Senior Publisher","url":"https:\/\/www.finder.com\/ca\/author\/leanneescobal","sameAs":["https:\/\/www.linkedin.com\/in\/leanne-escobal\/"],"knowsAbout":[{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"},{"@type":"Thing","name":"Short-Term Loans"},{"@type":"Thing","name":"International Money Transfers"},{"@type":"Thing","name":"Make Money Online"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png0c6c6eca55d7777953e1435f3bebf9aa","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/LeanneEscobalF1_Finder_600x600.png","caption":"Leanne Escobal"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"What is the grace period on the BMO eclipse rise Visa?","acceptedAnswer":{"@type":"Answer","text":"The BMO eclipse rise Visa has an interest-free grace period of 21 days on purchases when you pay your balance in full by the due date. The grace period doesn't apply to cash advances or balance transfers."}},{"@type":"Question","name":"Do I need to pay a fee for a balance transfer?","acceptedAnswer":{"@type":"Answer","text":"Yes. This card charges a fee that is 2% of the balance you transfer."}},{"@type":"Question","name":"Is the BMO eclipse rise Visa the same as the BMO eclipse Visa Infinite?","acceptedAnswer":{"@type":"Answer","text":"No. The eclipse Visa Infinite is a premium rewards card that boasts increased points earning power and perks like access to the Visa Infinite Luxury Hotel Collection and Visa Infinite Concierge. It also comes with a $120 annual fee. For more details, check out our BMO eclipse Visa Infinite review."}},{"@type":"Question","name":"How do I activate my BMO eclipse rise Visa?","acceptedAnswer":{"@type":"Answer","text":"You can activate your new card through BMO online banking or the BMO mobile banking app. You can also activate it by calling the number on the back of your card."}},{"@type":"Question","name":"Can I apply for a BMO eclipse rise Visa online?","acceptedAnswer":{"@type":"Answer","text":"Yes. Simply click the Go to site link in the table above to be redirected to an online application form for the BMO eclipse rise Visa."}}]}]},"article_modified_time":"2026-10-06T14:45:09+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"The BMO eclipse rise Visa is a no-annual-fee rewards card designed for everyday purchases, particularly for cardholders who spend regularly on groceries, dining and recurring bills.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1028575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/1395"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=1028575"}],"version-history":[{"count":7,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1028575\/revisions"}],"predecessor-version":[{"id":1084508,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/1028575\/revisions\/1084508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1084497"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=1028575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=1028575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=1028575"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=1028575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}