The BMO Eclipse Rise Visa Card is designed for Canadians who want a straightforward path to building or rebuilding their credit history. Instead of sacrificing rewards or modern banking convenience, this card blends accessible approval criteria with points on everyday spending, clear statements and strong digital functionality. It serves as a supportive financial tool for individuals working toward greater credit confidence.
Whether you’re a newcomer, student, young professional or someone re-establishing your financial footing, the Eclipse Rise Visa offers structure, simplicity and flexibility. With no annual fee, protection against fraudulent charges and the ability to track your financial progress through the BMO app, the card encourages responsible use while still rewarding your day-to-day purchases.
Key Benefits of the BMO Eclipse Rise Visa Card
1. A supportive tool for building or rebuilding credit
This card is crafted for Canadians who may have little to no credit history, offering a manageable way to demonstrate responsible borrowing habits and strengthen their financial profile.
2. Earn points on purchases you make every day
From groceries and dining to transportation and online shopping, the Eclipse Rise Visa allows you to earn points in categories most Canadians spend on regularly, making rewards feel effortless.
3. No annual fee, no pressure
With no yearly cost to worry about, the card is accessible to individuals who want a reliable credit-building option that doesn’t strain their budget.
4. Full digital banking experience
Through the BMO Mobile App and Online Banking, you can monitor spending, view upcoming payments, check your point totals and set personal alerts—giving you complete control from your phone.
5. Redeem points your way
Points can be used for flights, merchandise, hotels, gift cards, charitable donations or statement credits, giving the card versatility beyond everyday purchases.
6. Zero Liability fraud protection
BMO safeguards your card activity with real-time security monitoring and Zero Liability coverage, ensuring you’re protected from unauthorised charges.
7. Ideal for everyday transactions
The card is well-suited for groceries, public transit, meals, school supplies and other routine purchases, helping you integrate healthy credit behaviours into your daily life.
8. Opportunity to grow your credit limit
As your financial situation improves and you make regular on-time payments, you may qualify for higher credit limits that reflect your progress.
9. Fast, secure contactless payments
Tap-to-pay technology and compatibility with digital wallets let you complete purchases quickly and securely—perfect for today’s fast-moving lifestyle.
10. Helpful budgeting and tracking tools
BMO categorises your transactions, lets you review spending patterns and provides clear monthly statements to help support smart budgeting.
11. Backed by BMO’s trusted customer support
From payment questions to card security issues, BMO’s customer service team offers dependable assistance whenever you need it.
Who Can Apply?
General eligibility typically includes:
- Being a Canadian resident
- Meeting the age of majority in your province or territory
- Having limited or recovering credit history
- Providing proof of income
- Passing BMO’s credit and affordability checks
The card is well-suited for newcomers to Canada, students, young adults or anyone looking to re-establish responsible credit use.
How to Apply
- Visit the BMO Eclipse Rise Visa Card page.
- Review key features and eligibility details.
- Click “Apply Now” to start your secure application.
- Provide your personal information, employment details and income.
- Upload any documents needed for verification.
- Once approved, activate your card and register for digital banking.
Frequently Asked Questions
1. Does the card have an annual fee?
No. The BMO Eclipse Rise Visa Card charges no annual fee.
2. Will this card help me build credit?
Yes. consistent, on-time payments will gradually improve your credit score.
3. What rewards does the card offer?
You earn points on groceries, transportation, dining, online purchases and more.
4. Is it safe to use online?
Yes. Real-time fraud monitoring and Zero Liability protection help secure online purchases.
5. How can I redeem my points?
Points can be redeemed for travel, merchandise, experiences, gift cards or statement credits.
6. Can I add the card to my mobile wallet?
Yes. The card is compatible with Apple Pay, Google Wallet and other digital payment platforms.
