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
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: $200 cash back
Spend: $1,500
Period: 3 months
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 Cash | mid | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| TD Bank Official | — | TD Bank Official |
| NerdWallet | — | NerdWallet |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| TD Bank Official | TD Bank Official: Apr.balance transfer | |
| TD Bank Official | TD Bank Official: Apr.purchase |
Combined Protection Value
$4,951
You're protected against fraudulent transactions made without your permission
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.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Coverage for damage or theft of your cell phone when service is paid with this card
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: Welcome offer |
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get one extra year of warranty coverage on items purchased with your card
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.
