Rewards
Base earn rate1% cash back on all other purchases
Welcome bonusEarn up to $600 in total value, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500, and receive an Annual Fee rebate for the first year
Rewards typecashback
Fees & rates
Annual fee$139
Additional card$50
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Emergency Road Services with Free Deluxe TD Auto Club Membership
included at no charge
🎩
Complimentary Visa Infinite Concierge service available 24/7
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Visa Infinite Luxury Hotel Collection - Receive seven exclusive benefits when booking stay through Visa Infinite Luxury Hotel Collection featuring over 900 properties
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Visa Infinite Dining Series - Access to exclusive gourmet events with prized chefs and acclaimed wines
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Visa Infinite Wine Country Program - Exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley
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Visa Infinite Entertainment Access - Exclusive access to tickets to curated events across Canada
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Visa Infinite Troon Golf - Elevated Troon Rewards Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons
10% off
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Save with Avis Rent A Car and Budget Rent A Car
minimum 10% off lowest available base rates in Canada and U.S.; minimum 5% off internationally
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $2,000,000 for first 10 days; if cardholder or spouse aged 65 or older, covered for first 4 days
🛡️
baggage delay
up to $1,000 overall coverage per insured person
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baggage loss
up to $1,000 overall coverage per insured person
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rental car
Included — see issuer for details.
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purchase protection
Included — see issuer for details.
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mobile device
up to $1,000
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident