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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 first card then $0 for more
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of September 4, 2025.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Get an Annual Fee Rebate for the first year†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) 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
4.7/5
Institution
TD
How You Earn Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
Flight Delay†
$500Baggage Delay†
$1,000
Lost or Stolen Baggage†
$1,000
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500
Purchase Protection†
90 days
Extended Warranty†
Up to 1 year
Mobile Device Insurance†
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits†
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Concierge Services†
Golf Benefit†
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
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Pros & Cons
Pros
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Legal
†Terms and conditions apply.
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