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What are the Interest Rates and Fees Associated with BMO USA Credit Cards - Quick StepsThe exchange rate for converting refunds of foreign currency transactions to Canadian dollars is the rate Additional card fee The following fees are charged. Foreign currency conversion charges are % for each international transaction. What is the interest rate on BMO� AIR MILES� World Elite�* Mastercard�*. 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 %.