Which has the lower annual fee, BMO US Dollar Mastercard or TD Platinum Travel Visa?

The BMO US Dollar Mastercard has a $49 annual fee, while the TD Platinum Travel Visa charges $89/year.

Which card is better for groceries, BMO US Dollar Mastercard or TD Platinum Travel Visa?

The BMO US Dollar Mastercard earns 0% 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.

Which card is better for international purchases?

The BMO US Dollar Mastercard has no foreign transaction fee, while the TD Platinum Travel Visa has a 2.5% foreign transaction fee. The card with no FX fee is better for international purchases.

BMO US Dollar Mastercard 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 $1,020/yr — strongest in groceries

TD Platinum Travel Visa earns $460 more on groceries
TD Platinum Travel Visa earns $119 more on dining & restaurants
Saves $30/yr in foreign transaction fees

Groceries: +$460Dining & Restaurants: +$119Travel: +$115

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

Showing Year 1 analysis

Dollar Value

−$49

/first year

-0.1% effective$4/mo

vs 1% no-fee card: −$468

Annual rewards earned+$0

FX costsNo FX fee

Annual fee−$49

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

+$1,020 more than BMO US Dollar Mastercard

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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 $1,020/yr — strongest in groceries

TD Platinum Travel Visa earns $460 more on groceries
TD Platinum Travel Visa earns $119 more on dining & restaurants
Saves $30/yr in foreign transaction fees

Groceries: +$460Dining & Restaurants: +$119Travel: +$115

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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