Which has the lower annual fee, BMO eclipse rise Visa or TD Platinum Travel Visa?

The BMO eclipse rise Visa has no annual fee, while the TD Platinum Travel Visa charges $89/year.

Which card is better for groceries, BMO eclipse rise Visa or TD Platinum Travel Visa?

The BMO eclipse rise Visa earns 2.5x on groceries, while the TD Platinum Travel Visa earns 4.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse rise Visa vs TD Platinum Travel Visa — Which Is Better? | Churnr

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

TD Platinum Travel Visa wins by $587/yr — strongest in groceries

TD Platinum Travel Visa earns $236 more on groceries
TD Platinum Travel Visa earns $107 more on travel
$89 higher annual fee, offset by rewards

Groceries: +$236Travel: +$107Everything Else: +$72

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

TD Platinum Travel Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$384

/first year

0.9% effective$32/mo

vs 1% no-fee card: −$35

Annual rewards earned+$414

FX costs−$30

Annual fee−$0

Winner

$971

/first year

2.3% effective$81/mo

vs 1% no-fee card: +$552

Annual rewards earned+$1,090

FX costs−$30

Annual fee−$89

Best for your spendingTD Platinum Travel Visa—$971Year 1 value

+$587 more than BMO eclipse rise Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

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The Bottom Line

TD Platinum Travel Visa wins by $587/yr — strongest in groceries

TD Platinum Travel Visa earns $236 more on groceries
TD Platinum Travel Visa earns $107 more on travel
$89 higher annual fee, offset by rewards

Groceries: +$236Travel: +$107Everything Else: +$72

Showing Year 1 analysis

TD Platinum Travel 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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