The BMO Eclipse Rise Visa Card is a premium credit card that offers a variety of rewards and benefits to its cardholders. It is a great option for customers looking for a card to help them save money on everyday purchases and travel.
Benefits
There are many benefits to using the BMO Eclipse Rise Visa Card. Some of the most notable benefits include:
- Earn 5x points on recurring bill payments, groceries, dining and takeout: You can earn 5x points on recurring bill payments, groceries, dining and takeout, up to a maximum of $30,000 per year. This is one of the highest earning rates for groceries and dining available on any credit card.
- Earn 1 point on all other purchases: You can earn 1 point on all other purchases, up to a maximum of $30,000 per year.
- No annual fee: There is no annual fee for the BMO Eclipse Rise Visa Card.
- Welcome bonus: You can earn a welcome bonus of 10,000 points after you spend $3,000 on your card in the first three months.
- Travel insurance: The BMO Eclipse Rise Visa Card offers a variety of travel insurance benefits, including trip cancellation insurance, trip interruption insurance, and baggage insurance.
- Purchase protection: The BMO Eclipse Rise Visa Card offers purchase protection for up to 90 days from the date of purchase.
- Extended warranty: The BMO Eclipse Rise Visa Card offers an extended warranty on eligible purchases.
- No foreign transaction fees: You will not be charged foreign transaction fees when you use your BMO Eclipse Rise Visa Card abroad.
Rewards
The BMO Eclipse Rise Visa Card offers a variety of rewards that can be redeemed for travel, merchandise, or contributions to your BMO accounts. You can earn points for everyday purchases, such as groceries, dining, and travel. You can also earn points by referring friends and family to the card.
Fees
There is no annual fee for the BMO Eclipse Rise Visa Card. However, there are a few other fees that you should be aware of. These fees include:
- Foreign currency conversion fee: You will be charged a foreign currency conversion fee of 2.5% on all purchases made in foreign currency.
- Late payment fee: You will be charged a late payment fee of $25 if you make a payment on your card after the due date.
- Returned payment fee: You will be charged a returned payment fee of $50 if your payment is returned for insufficient funds.
Frequently Asked Questions
Here are some of the most frequently asked questions about the BMO Eclipse Rise Visa Card:
- What is the credit limit on the BMO Eclipse Rise Visa Card? The credit limit on the BMO Eclipse Rise Visa Card varies depending on your creditworthiness. However, the average credit limit is $5,000.
- What is the interest rate on the BMO Eclipse Rise Visa Card? The interest rate on the BMO Eclipse Rise Visa Card is 19.99%.
How to Apply for the BMO Eclipse Rise Visa Card
To apply for the BMO Eclipse Rise Visa Card, you will need to provide the following information:
- Your name
- Your date of birth
- Your Social Security number
- Your address
- Your phone number
- Your email address
- Your employment information
- Your income information
You will also need to agree to the terms and conditions of the card.
Once you have submitted your application, BMO will review your information and make a decision. You will be notified of the decision within a few days.
If you are approved for the card, you will receive a welcome package in the mail. The welcome package will include your card, your card number, and your PIN.
Conclusion
The BMO Eclipse Rise Visa Card is a great option for customers who are looking for a credit card that can help them save money on everyday purchases and travel. It offers a variety of rewards and benefits, and there is no annual fee. If you are looking for a new credit card, I highly recommend the BMO Eclipse Rise Visa Card.
