Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%
Annual Fees
Main Card: $139
$0
First Year Waived
Additional Cards: 50
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
Welcome Bonus
3% incremental cashback on gas, groceries, and pre-authorized payments up to $145 in the first 3 months. 4% extra cashback on other purchases up to $110 in the first 3 months.
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
3.3/5
Institution
TD
Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 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- Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Pros & Cons
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.