Card Details
Based on $2,000 spending
First Year Value
$445.8
$106.8 in years after
Annual Rewards
$195.8
TD Rewards
First Year Bonus
$250
TD Rewards
Annual Fee
$89
$0
First Year Waived
First Year Value
$445.8
$106.8 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$89
$0
First Year Waived
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card, 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening. Get an Annual Fee Rebate for the first year. Account must be approved by January 6, 2025.
Our Rating
3/5
Institution
TD
Rewards
- 6x points per $1 spent on travel booked online through Expedia for TD
- 4.5x points per $1 spent on eligible grocery and restaurant purchases
- 3x points per $1 spent on eligible recurring bill payments
- 1.5x points per $1 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Flight Delay
$500
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000
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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
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
- Annual fee rebate for the first year, providing savings during the first year of card ownership.
- No minimum income requirement, making it accessible for a wide range of applicants.
- Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.
Cons
- TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
- Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
- No trip cancellation insurance included, which may be a drawback for frequent travelers.