Travel Rewards
US Dollar Cards
TD U.S. Dollar Visa Card
TD Canada Trust
Annual Fee
$39
Purchase APR
21.99%
Cash Adv. APR
22.99%
RateBuddy Verdict
The Good
- Avoids the standard 2.5% foreign transaction fee on all your U.S. dollar purchases, saving you money when shopping cross-border or online.
- Includes a surprisingly robust insurance package for a utility card, featuring Trip Interruption, Baggage Delay/Loss, and Car Rental Collision coverage.
- Allows you to add supplementary cardholders to your account for absolutely $0.
The Trade-offs
- Charges a $39 USD annual fee, meaning you must spend at least $1,560 USD annually just to break even on the foreign exchange savings.
- Does not earn any cash back or travel rewards points on your daily purchases.
- Does not include Travel Medical or Trip Cancellation insurance (these are offered only as paid optional upgrades).
Rewards & Earnings
Base Rate 0.00%
Rewards Summary: Base Earn: None; This card does not earn points or cash back. It is designed purely to save you money on U.S. dollar foreign exchange fees.
- All Purchases: No points or cash back earned
Welcome Bonus Details
Features & Benefits
No Foreign Transaction Fees
Save 2.5% on U.S. dollar foreign currency transactions
Car Rental Collision/Loss Damage Waiver
Collision/Loss Damage coverage included
Trip Cancellation/Interruption Insurance
Up to $5,000 per person interruption (Note: Does not include cancellation)
Extended Warranty Insurance
Included
Purchase Security Insurance
Included (90 days)
Baggage Delay/Loss Insurance
Up to $1,000 for delayed or lost baggage
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Additional Perks
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Insurance Coverage
Trip Interruption: $5,000; Baggage Delay/Loss: $1,000; Car Rental Collision: Included; Purchase Security: 90 days; Extended Warranty: Included. (Note: Travel Medical and Trip Cancellation are optional).
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $39 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |