Which has the lower annual fee, BMO eclipse rise Visa or TD U.S. Dollar Visa?

The BMO eclipse rise Visa has no annual fee, while the TD U.S. Dollar Visa charges $39/year.

Which card is better for groceries, BMO eclipse rise Visa or TD U.S. Dollar Visa?

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

Which card is better for international purchases?

The BMO eclipse rise Visa has a 2.5% foreign transaction fee, while the TD U.S. Dollar Visa has no foreign transaction fee. The card with no FX fee is better for international purchases.

BMO eclipse rise Visa vs TD U.S. Dollar 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 $423/yr — strongest in groceries

BMO eclipse rise Visa earns $224 more on groceries
BMO eclipse rise Visa earns $84 more on bills & utilities
Saves $30/yr in foreign transaction fees

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

BMO eclipse rise 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

−$39

/first year

-0.1% effective$3/mo

vs 1% no-fee card: −$458

Annual rewards earned+$0

FX costsNo FX fee

Annual fee−$39

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

+$423 more than TD U.S. Dollar 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 wins by $423/yr — strongest in groceries

BMO eclipse rise Visa earns $224 more on groceries
BMO eclipse rise Visa earns $84 more on bills & utilities
Saves $30/yr in foreign transaction fees

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 Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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