| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $39 USD |
| Cardmember Agreement | View Here |
| Cash Advance APR | 21.99% USD |
| Cash Advance Fee | 1% of the cash advance, minimum $3.50 USD, maximum $10 USD |
| Late Payment Fee | $50 |
| Purchases APR | 21.99% USD |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The TD Canada Trust U.S. Dollar Visa Credit Card is designed mainly for Canadians who regularly spend in U.S. dollars. It charges a $39 USD annual fee and doesn’t offer a traditional rewards program, but it lets cardholders make and pay for U.S.-dollar purchases without the standard 2.5% foreign-exchange conversion fee.
Most users say the card is useful for frequent U.S. spending, especially when paired with a TD U.S.-dollar account. Many reviewers mentioned that the straightforward USD billing makes budgeting and payments easier.
The biggest criticism is the lack of rewards. Some users also feel the $39 annual fee is hard to justify if they don’t spend much in USD, while others point to competitors offering stronger rewards or no-fee alternatives.
Personally, I think this card makes sense as a currency-management tool rather than a rewards card. It’s worth considering for regular U.S.-dollar spending, but occasional shoppers may find the lack of rewards limiting.
RATE THIS CREDIT CARD
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Great for U.S. spending but no rewards
This card mainly to avoid annoying currency conversion fees when buying in U.S dollar it's handy for travel and online U.S. purchases, and travel insurance perks give extra peace of mind. That said, there no points or cash back, so it doesn't feel rewarding outside U.S. dollar use.
