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Top Banks for Newcomers to CanadaBMO U.S. Dollar Mastercard�* � Card Features. The ideal way to travel and shop � or buy online � from U.S. retailers; Shop with no exchange rate surprises. The exchange rate for converting refunds of non-U.S. dollar transactions to U.S. dollars is the rate charged to us by MCI minus %. The exchange rate for converting foreign currency transactions to Canadian dollars (for Canadian dollar cards) and to U.S. dollars (for U.S. dollar cards) is.