Rewards
Base earn rate2 TD Rewards Points for every $1 spent on other purchases
ProgramTD Rewards
Welcome bonusEarn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year
Rewards typepoints
Fees & rates
Annual fee$139
Additional card$50
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Global airport lounge access through Visa Airport Companion Program with 4 complimentary lounge visits per membership year
up to $277 per year
💳
$100 TD Travel Credit when you book at Expedia For TD
100
🎩
Complimentary Visa Infinite Concierge available on-call 24 hours a day, seven days a week
⭐
Visa Infinite Luxury Hotel Collection with seven exclusive benefits when booking through the collection
⭐
Visa Infinite Dining Series with access to exclusive gourmet events with prized chefs and acclaimed wines
⭐
Visa Infinite Entertainment Access with exclusive access to curated events and Toronto International Film Festival benefits
⭐
Visa Infinite Troon Golf with elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons
⭐
TD Payment Plans to turn purchases of $100 or more into manageable 6, 12 or 18 month payment plans
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $2 million for first 21 days; if you or your spouse is aged 65 or older, coverage for first 4 days
🛡️
trip cancellation
up to $1,500 per insured person; maximum $5,000 for all insured persons
🛡️
trip interruption
up to $5,000 per insured person; maximum $25,000 for all insured persons on same covered trip
🛡️
flight delay
up to $500 per insured person
🛡️
baggage delay
up to $1,000 overall per insured person
🛡️
baggage loss
up to $1,000 overall per insured person
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident