Travel Rewards
US Dollar Cards
TD U.S. Dollar Visa Card
TD Canada Trust
Secure RateBuddy connection · Application completed on TD Canada Trust’s site
Annual Fee
$39
Purchase APR
21.99%
Cash Advance
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%
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.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
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
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 & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $39 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
US Dollar Cards
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