TD U.S. Dollar Visa Card

The TD U.S. Dollar Visa Card offers zero U.S. dollar currency conversion fee, making it a good choice for frequent travelers to the U.S. or for those who make online purchases in U.S. dollars. It’s important to note that all charges, including the annual fee, will be in U.S. dollars. If you maintain a U.S. dollar balance in your bank account and frequently spend in U.S. dollars, this card can help you save on conversion rates and fees. Additionally, it comes with some insurance benefits.

Card Summary:

This credit card comes with a $39 annual fee, but you won’t be charged anything extra for supplementary cards. It has a purchase interest rate of 19.99% and a cash advance rate of 22.99%. One great feature is that there are no foreign currency conversion fees, making it a good choice for travelers who make purchases abroad.

Rewards Summary:

• N/A

Benefits Summary:

Another benefit of this credit card is that there are no conversion fees for U.S. dollar transactions, which can save you money when shopping or traveling in the United States. Additionally, you can enjoy savings on car rentals with Avis and Budget, making it easier and more affordable to rent a vehicle.

Insurance Summary:

This credit card offers valuable protection and insurance benefits. Purchase Security covers your new purchases against damage or theft. The Extended Warranty feature doubles the manufacturer’s warranty period, giving you extra peace of mind. If your trip gets interrupted, you’ll be covered with Trip Interruption Insurance. Common Carrier Travel Accident Insurance protects you in case of accidents while traveling on public transportation. Additionally, Delayed and Lost Baggage Insurance ensures you’re compensated if your luggage is delayed or lost.

Editor’s Review

TD U.S. Dollar Visa Card Review

The TD U.S. Dollar Visa Card is designed for individuals who frequently travel to the U.S. or make online purchases in U.S. dollars. This card eliminates the currency conversion fee, providing significant savings for U.S. dollar transactions. Let’s dive into the details to see how this card stacks up.

Card Summary

• Annual Fee: $39 (charged in U.S. dollars)
• Supplementary Cards: Free
• Purchase Interest Rate: 19.99%
• Cash Advance Rate: 22.99%
• Foreign Currency Conversion Fee: None (for U.S. dollar transactions)

Rewards Program

• Rewards: Not applicable

Benefits Summary

• No U.S. Dollar Conversion Fees: Save money on U.S. dollar transactions.
• Car Rental Savings: Discounts with Avis and Budget.

Insurance Coverage

• Purchase Security: Coverage against damage or theft for new purchases.
• Extended Warranty: Doubles the manufacturer’s warranty period.
• Trip Interruption Insurance: Coverage if your trip gets interrupted.
• Common Carrier Travel Accident Insurance: Protection for accidents on public transportation.
• Delayed and Lost Baggage Insurance: Compensation for delayed or lost luggage.

Security Features

• Security Features: Standard security features, including fraud protection and secure online transactions.

Spending Structure

This card is most beneficial for users who:

• Have a U.S. dollar bank account.
• Frequently travel to the U.S.
• Make online purchases in U.S. dollars.

Final Verdict

The TD U.S. Dollar Visa Card is a strong option for individuals who have significant U.S. dollar transactions. The key benefits are the elimination of currency conversion fees and the comprehensive insurance coverage. However, if you’re looking for a rewards program, this card might not be the best fit. Consider your spending habits and travel frequency to determine if this card aligns with your financial needs.

View other U.S. Dollar Credit Cards.

View other TD credit cards.

Disclaimer: Refer to the credit card official web page for the latest up to date rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.