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

The BMO eclipse rise Visa earns 2.5x on groceries, while the TD Rewards Visa earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse rise Visa vs TD Rewards Visa — 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 $79/yr

BMO eclipse rise Visa earns $70 more on groceries
BMO eclipse rise Visa earns $46 more on bills & utilities

Groceries: +$70Bills & Utilities: +$46Travel: +$30

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

TD Rewards 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

$305

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$114

Annual rewards earned+$335

FX costs−$30

Annual fee−$0

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

+$79 more than TD Rewards 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

BMO eclipse rise Visa edges ahead by $79/yr

BMO eclipse rise Visa earns $70 more on groceries
BMO eclipse rise Visa earns $46 more on bills & utilities

Groceries: +$70Bills & Utilities: +$46Travel: +$30

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 Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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