The TD US Dollar Visa Card is a US denominated credit card preferred by many cardholders This product is a good choice for Canadians traveling often to the United States, be it for pleasure or business. The annual fee is just $39 USD and the annual interest rates are 19.99 percent on purchases and 21.5 percent on cash advances, which is relatively average compared to similar products on the Canadian market. In general, it is very convenient to charge purchases in US dollars. You do not have to check exchange rates and will avoid unpleasant surprises when your card statement arrives. It is very easy to apply for this card online in only takes several minutes to fill out an online application. The statement you receive will feature the exact cost of your purchases.
A number of great benefits are featured with the US Dollar Visa by Toronto Dominion such as lost and delayed luggage insurance, car loss or crash insurance, and common carrier travel accident insurance for your whole family. The US credit card in Ontario also comes with emergency travel assistance services, purchase security and extended warranty protection for almost all items charged to your card, and trip interruption insurance.
The TD US dollar Visa also offers the following optional features and benefits medical insurance while traveling, free authorized user cards, and personal banking services.
As with all US credit cards in Canada , the annual fees and rates are liable and subject to change. You will find this and other information in the fine print. If you are purchasing items in other currencies and not US Dollars, you will see it converted on your credit card statement, but high conversion charges will apply.
The products of Toronto Dominion may be popular, but you have other options as well! The Cash Back Gold Platinum MasterCard is another option you may want to consider. It offers up to 2 percent cash back on net purchases, cash rewards balances that can be redeemed anywhere and any time, the option to add another user for free, and more. The US Dollar MasterCard by the Bank of Montreal goes with an annual fee of $25 USD, purchase protection, cash advances at a number of locations, and extended warranty. The interest rate that goes with this card is 19.5 percent, the cash advances are in the amount of up to $1,000 USD, and the minimum credit limit is $500. Good credit is required to be eligible to apply.
A third option is the RBC U.S. Dollar VISA Card. Your credit must be excellent to apply for this one, not just good. A 19.99 percent interest rate applies to purchases, and the same interest goes with balance transfers and cash advances. The annual fee is set at $65 USD, but you will pay additional $30 USD for every extra card you request. The minimum credit limit with this card is $1,000.