Which has the lower annual fee, BMO eclipse rise Visa or TD Low Rate Visa?

The BMO eclipse rise Visa has no annual fee, while the TD Low Rate Visa charges $25/year.

Which card is better for groceries, BMO eclipse rise Visa or TD Low Rate Visa?

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

BMO eclipse rise Visa vs TD Low Rate Visa — 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 $439/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

TD Low Rate Visa: $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

−$55

/first year

-0.1% effective$5/mo

vs 1% no-fee card: −$474

Annual rewards earned+$0

FX costs−$30

Annual fee−$25

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

+$439 more than TD Low Rate Visa

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Earn Rates by Category

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The Bottom Line

BMO eclipse rise Visa wins by $439/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

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