Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Bonus: $200 cash back
Spend: $1,000
Period: 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Top Spend Category | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Entertainment | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Travel | 3X | Core | any | None | |
| Top Spend Category | 2X | Core | any | None | |
| All Other | 1X | Base | any | None |
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Td Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Td Double Up | mid | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| TD Bank Official | — | TD Bank Official |
| Usnews Review | — | Usnews Review |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| RewardsCC API | — | RewardsCC API |
| TD Bank Official | — | TD Bank Official: Apr.balance transfer |
Combined Protection Value
$4,350
Your TD Bank Visa Credit Card includes ID Navigator Powered by Norton LifeLock, providing tools so you can act quickly if your identity is threatened
Enjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget, and with Audi on demand you can
Get reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| TD Bank Official |
| — |
| TD Bank Official: Apr.purchase |
| TD Bank Official | — | TD Bank Official: Welcome offer |
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
A single phone call gets you the help that you need anywhere in the world
Access 24/7 roadside service with this pay-per-use program
If your card is lost or stolen, you can get an emergency replacement card sent immediately
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
