Which has the lower annual fee, BMO eclipse rise Visa or enviro Visa Classic LI?

The BMO eclipse rise Visa has no annual fee, while the enviro Visa Classic LI charges $25/year.

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

The BMO eclipse rise Visa earns 2.5x on groceries, while the enviro Visa Classic LI earns 0%. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

BMO eclipse rise Visa wins by $438/yr — strongest in groceries

BMO eclipse rise Visa earns $224 more on groceries
BMO eclipse rise Visa earns $84 more on bills & utilities

Groceries: +$224Bills & Utilities: +$84Dining & Restaurants: +$58

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

enviro Visa Classic LI: $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

−$54

/first year

-0.1% effective$5/mo

vs 1% no-fee card: −$473

Annual rewards earned+$0

Welcome bonus+$1

FX costs−$30

Annual fee−$25

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

+$438 more than enviro Visa Classic LI

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

BMO eclipse rise Visa wins by $438/yr — strongest in groceries

BMO eclipse rise Visa earns $224 more on groceries
BMO eclipse rise Visa earns $84 more on bills & utilities

Groceries: +$224Bills & Utilities: +$84Dining & Restaurants: +$58

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

Found an error? Report incorrect data