Five categories earn 3%: groceries, gas and EV charging, recurring bill payments, public transit, and streaming, digital gaming and media. General entertainment such as cinemas and live events is not included and earns the 1% base rate, nor are dining, travel or drugstore. Each of the five categories has its OWN separate $15,000 annual cap rather than sharing one pot, so $75,000 of spending can earn a bonus rate in a year. That $75,000 is our arithmetic, not a TD figure. Past a category cap that category alone drops to 1% and the others keep going. The "year" is neither the calendar year nor your card anniversary: TD defines it as running from after your first statement period in January to the end of your statement period the following January. Categories are assigned by Visa merchant code, so a grocery store coded as a superstore will quietly earn 1%.

TD advertises "up to $600 in total value". That figure bundles the 10% accelerated cash back, the first-year fee rebate and TD's own valuation of a complimentary Auto Club membership. The $489 recorded here is the cash part only: $350 of accelerated cash back on the first $3,500 of eligible spending, plus the $139 fee rebate. No offer end date is published; the page carries an "effective as of April 30, 2025" stamp that is over a year old.

Travel medical covers the first 10 consecutive days, dropping to 4 days if you or your spouse is 65 or older. There is no hard age cutoff, which is better than the BMO and CIBC equivalents. There is no trip cancellation, trip interruption or flight delay coverage at all. The $1,000 baggage figure is a COMBINED limit for delayed and lost baggage, not $1,000 for each. Purchase security and extended warranty share a $60,000 lifetime maximum across every TD card you hold, so a second TD card does not double it. Cash advance fee is a formula rather than a flat amount: 1% of the advance with a $3.50 minimum and $10 maximum in Canada, or $5 outside Canada, so it is left blank here. Quebec residents pay no over-limit fee. CAUTION: TD's own application PDF still shows a 20.99% purchase rate against the 21.99% on its live pages, and every fee above comes from that same document.