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Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $139
$0
First Year Rebated
Additional Cards: $50
Welcome Bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply.
- Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
- 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†.
- Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.9/5
Institution
TD
How You Earn Rewards
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance†
$2M, 10 daysTravel Medical Insurance (65+)†
$2M, 4 days
Lost or Stolen Baggage†
$1000
Baggage Delay†
$1000.svg)
Car Rental Damage & Theft†
Included
Mobile Device Insurance†
$1000
Purchase Protection†
90 days
Extended Warranty†
1 year
Benefits
Details
Extra points†
Earn 50% more Stars at participating Starbucks stores.svg)
Concierge Services†
Visa Infinite Exclusive Benefits†
Roadside Assistance†
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- Roadside assistance
- First-year fee rebate
Cons
- Low base earn rate
- Basic travel insurance
Legal
†Terms and conditions apply.
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