Thursday, 2 February 2012

TD Bank Credit Card Products FAQ

By Krista Peddle


Toronto Dominion offers a variety of credit cards, including low interest credit cards, reward credit cards, secured cards, and others.

Toronto Dominion US Dollar Credit Cards

Travelers to the US can check the TD US Dollar Visa Card, going with a 19.99 percent interest, a fee of $35 USD, and included benefits such as emergency travel assistance, free supplementary cards, and others.

TD Bank Reward Credit Cards

Reward cards include the TD Rebate Rewards Visa, Drivers Rewards Visa, and more. The Gold Elite features an annual 1% cash rebate on all net purchases on the card, the possibility to get rebates whenever you use the card, membership in the Deluxe TD Auto Club, and unlimited service calls at all hours on all days of the week. There is a family coverage for you, your partner and all single children under 22 years of age. The retail value is $118 for both partners or $79 per partner.

Another card to check is the Classic Travel Visa.

TD Canada Trust also features the Platinum Travel Visa, First Class Travel Visa Infinite, and more. The Travel Visa Infinite offers convenient travel options and the possibility to make reservations through any agency or site. Clients get a welcome bonus of 20,000 points upon approval. You get 3 bonus points for every $1 charged to the card and nine for every $1 spent on travel purchases online. The annual fee is $120. The Platinum Travel Visa is another reward credit card, which offers 15,000 bonus points upon approval, three points for every $1 you spend on it, 6 points for every $1 in travel purchases made online, and 4 points for every $1 in travel purchases made by phone.

TD Bank Low Rate Credit Cards

One excellent option for a low rate credit card is the TD Emerald Visa Card. It goes with an annual fee of $25. The interest rate is equivalent to the TD prime rate plus an additional rate ranging from 1.75% t? 9.75%. Low rate cards like this one are a good idea for people who carry balances on their credit cards, because this way they can lower their monthly interest charges, save money on interest, and get preferred rates on car rental through Avis Car Rental in Canada and the U.S.

Toronto Dominion Secured Credit Cards

TD Canada Trust has a special offer for recent immigrants to Canada without a credit history, people trying to rebuild their credit rating, and others in difficult financial circumstances. You have to make a deposit at the bank, and these funds are used to back your card, hence the term "secured".

Toronto Dominion Cashback Credit Cards

The TD Gold Elite Visa is a credit card for clients who want to get cash back, earning them 1 percent cash rebates. Cardholders earn cashback whenever they pay bills, do shopping, etc.

Toronto Dominion No Annual Fee Credit Cards

Clients who prefer a card with no annual fee can look into the TD Gold Select Visa Card, offered with a 19.99 percent interest rate and benefits such as free supplementary cards, rental discounts, personal banking services, and more.

TD Bank Business Credit Cards

Business clients of Toronto Dominion can check the Business Travel Visa and Business Visa. The latter is offered with an annual fee of $50, a 19.99 percent interest rate, travel and protection services, banking services, and more.




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