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Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$278.23
$144.23 in years after
Annual Rewards
$144.23
BMO Rewards
First Year Bonus
$134
BMO Rewards
Annual Fee
$0
First Year Value
$278.23
$144.23 in years after
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.5/5 |
Institution | BMO |
Loyalty Program |
Fees & Rates
Annual Fee | $0 |
Interest Rates | Purchase: 21.99%* Cash Advance: 23.99%*□ Balance Transfer: 23.99%* □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | Up to 25,000 points |
Description | Get 20,000 points when you spend $1,500 in the first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. Plus, earn up to 5,000 bonus points every year (2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points + 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months). |
Rewards†
- 2.5x points per $1 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category)
- 0.5x point per $1 spent on all other eligible purchases
BMO eclipse rise Visa* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
12,500 points
All other purchases
9,026 points
Net Annual Rewards
21,526 points
Valued at $144.23
Rewards Summary
Net Annual Rewards
21,526 points
Valued at $144.23
First Year Card Bonus
20,000 points
Valued at $134
First Year Card Value
21,526 points
Valued at $278.23
Point Redemptions
Redemptions Chart
Travel
$278.23
Financial products
$278.23
Entertainment and Experiences
$265.77
Statement Credits
$207.63
Gift Cards
$199.33
Merchandise
$186.87
Legal
†BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
* Terms and conditions apply. Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.
