Which card is better for groceries, BMO eclipse rise Visa or enviro Visa Classic?

The BMO eclipse rise Visa earns 2.5x on groceries, while the enviro Visa Classic earns 0.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse rise Visa vs enviro Visa Classic — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

BMO eclipse rise Visa edges ahead by $190/yr

BMO eclipse rise Visa earns $160 more on groceries
BMO eclipse rise Visa earns $60 more on bills & utilities

Groceries: +$160Bills & Utilities: +$60Dining & Restaurants: +$41

BMO eclipse rise Visa: $30/yr in foreign transaction fees

enviro Visa Classic: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$384

/first year

0.9% effective$32/mo

vs 1% no-fee card: −$35

Annual rewards earned+$414

FX costs−$30

Annual fee−$0

$193

/first year

0.5% effective$16/mo

vs 1% no-fee card: −$225

Annual rewards earned+$173

Welcome bonus+$50

FX costs−$30

Annual fee−$0

Best for your spendingBMO eclipse rise Visa—$384Year 1 value

+$190 more than enviro Visa Classic

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The Bottom Line

BMO eclipse rise Visa edges ahead by $190/yr

BMO eclipse rise Visa earns $160 more on groceries
BMO eclipse rise Visa earns $60 more on bills & utilities

Groceries: +$160Bills & Utilities: +$60Dining & Restaurants: +$41

Showing Year 1 analysis

BMO eclipse rise Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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