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Is the BMO Eclipse Rise Visa Card Worth It? An HONEST REVIEWShould I use a U.S. dollar credit card? If the majority of your purchases are in American dollars, credit cards like the BMO U.S. Dollar. This BMO US dollar credit card has an annual fee of $49 USD, but when you spend $3, US in the first year, the following year's fee is rebated. The exchange rate for converting refunds of foreign currency transactions to Canadian dollars is the rate charged to us by MCI minus %. We make the.