TD First Class Travel Visa Infinite Cardholder Agreement: Everything You Need to Know

If you`re considering applying for the TD First Class Travel Visa Infinite credit card, it`s important to read and understand the cardholder agreement. This document outlines the terms and conditions of using the card, including interest rates, fees, and rewards. In this article, we`ll break down the key points of the TD First Class Travel Visa Infinite cardholder agreement.

Interest Rates

The TD First Class Travel Visa Infinite credit card offers a variable interest rate on purchases and cash advances. The current interest rate for purchases is 19.99%, while the cash advance rate is 22.99%. These rates may change, depending on market conditions and individual creditworthiness.

Fees

Like most credit cards, the TD First Class Travel Visa Infinite card comes with several fees. These include an annual fee of $120, a balance transfer fee of 3% of the amount transferred (minimum $10), and a cash advance fee of either $10 or 5% of the amount advanced (whichever is greater). There are also fees for foreign transactions, over-limit charges, and late payments.

Rewards

One of the main perks of the TD First Class Travel Visa Infinite credit card is the ability to earn rewards. Cardholders earn 3 TD Points per dollar spent on travel purchases booked through ExpediaForTD.com, and 9 TD Points per dollar spent on purchases of ExpediaForTD.com Travel through the TD Rewards Center. For all other purchases, cardholders earn 1.5 TD Points per dollar spent. TD Points can be redeemed for travel, merchandise, and other rewards.

Insurance Coverage

The TD First Class Travel Visa Infinite credit card also offers insurance coverage for travel-related issues. This includes travel medical insurance, trip cancellation and interruption insurance, and flight delay insurance. To be eligible for these benefits, the travel purchases must be charged to the TD First Class Travel Visa Infinite credit card.

Conclusion

The TD First Class Travel Visa Infinite cardholder agreement outlines the terms and conditions of using the credit card. It`s important to read and understand this document, as it will govern your use of the card. The interest rates, fees, rewards, and insurance coverage offered by the TD First Class Travel Visa Infinite credit card can be beneficial, but it`s important to weigh the costs and benefits before applying.

Posted in: Uncategorized