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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. Offer effective as of April 30, 2025.
- 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.
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly 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†!
Rewards Breakdown
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
- The roadside assistance benefit is quite nice.
- 3% cashback on recurring bills is a great way to save on subscriptions
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.
Legal
†Terms and conditions apply.
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