This is the no-fee card, not the Visa Infinite. Everything is roughly a third of the Infinite: 1% on the bonus categories instead of 3%, 0.5% base instead of 1%, and a $5,000 cap per category instead of $15,000. Five categories at $5,000 each is $25,000 of bonus-eligible spending a year, which caps the 1% uplift at roughly $250. Dining, travel and drugstore are not bonus categories. The "year" runs from after your first statement period in January to the end of your statement period the following January, so it is neither the calendar year nor your anniversary. Minimum redemption is $25.

$20 on your first purchase and $80 more after $1,500 of spending in three months. Not available if you activated or closed a TD Cash Back Visa in the last 12 months, or if you are transferring an existing TD card into this one. Allow eight weeks for the credit. No end date published.

No travel insurance of any kind, no rental car coverage, no mobile device coverage. Purchase security and extended warranty are the only benefits, and they share a $60,000 lifetime limit across every TD card you hold. TD publishes no income requirement for this card, which is unusual and deliberate: the same comparison table shows $60,000 for the Infinite version. Foreign transaction, cash advance and NSF fees are blank because TD publishes no fee schedule for this card and defers everything to a disclosure statement issued at approval. Do not assume the Infinite card's 2.5% applies. Quebec residents pay 21.99% on cash advances rather than 22.99%. An archived TD welcome guide still describes an older three-category structure and advertises $5 million of travel medical: that is TD's separately purchased optional insurance, not a benefit of this card.