Rewards
Base earn rate1.5 TD Rewards Points per $1 spent on other purchases
ProgramTD Rewards
Welcome bonusEarn up to $370 in value, including up to 50,000 TD Rewards Points and receive an annual fee rebate for the first year
Rewards typepoints
Fees & rates
Annual fee$89
Additional card$35
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
💳
Emergency Travel Assistance Services
⭐
Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally on qualifying car rentals
10% off in Canada/U.S., 5% off internationally
⭐
TD Payment Plans - Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans
⭐
Earn 50% more TD Rewards Points plus more Starbucks Stars when you link your eligible Card to Starbucks
50% more points
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Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points
⭐
Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
flight delay
up to $500
🛡️
baggage delay
up to $1,000 overall coverage per insured person
🛡️
common carrier accident
up to $500,000
🛡️
rental car
Included — see issuer for details.
🛡️
hotel burglary
up to $2,500 per occurrence
🛡️
mobile device
up to $1,000
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident