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Mr. Loonie
TD U.S. Dollar Visa Card

TD U.S. Dollar Visa Card

6.4
Fair
Expert Score · 2 reviews How we score

Best for: People who spend in US dollars often and want to skip conversion fees

The balance you carry
Interest you’d pay in a year
$660
On a $3,000 balance at 21.99%

Ranked #90 of 176 for low interest. See the list

See how we worked it out
Purchase rate
21.99%
Annual fee
US$39 a year
Apply now on TD’s site (opens in a new tab)
Earns no rewards
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? Interest Can I get it? Perks Fees Similar cards
2 quick questions

Is it for me?

Do you carry a balance from month to month?

Do you want to earn rewards on your spending?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Watch for

  • Watch for: Earns no rewards If you pay in full each month, a no fee cash back card gives you more.
  • Watch for: $39 a year
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d pay in interest

On a balance of $3,000 that you carry for a year.

  • This card $660
    21.99% $3,000 carried all year
  • A typical card $630
    20.99% $3,000 carried all year

A late payment can end a promotional rate early. Simple yearly interest on a balance that stays the same. Banks charge interest monthly, so the real cost comes out a little higher.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip A balance transfer only helps if the balance shrinks. Set up an automatic payment so it goes down every month.

What critics say

Other reviewers on this card

6.4
Fair
Expert Score How we score
  • Money.ca (opens in a new tab) Mar 2025
    3

    “The TD U.S. Dollar Visa* Card is a solid choice for Canadians frequently transacting in US dollars, whether you’re travelling or shopping online. Even with its annual fee, it offers significant value, especially with its insurance benefits. But if cashback rewards are what you seek, explore other options. Overall, for its niche audience, this card comes highly recommended.”

  • Finder (opens in a new tab) Jan 2021

    “The TD US Dollar Visa Card is a standard credit card with one major difference: It lets you transact entirely in US dollars without having to worry about costly conversion fees. Canadian residents who frequent the US or regularly use US dollars will find this credit card very convenient when doing business south of the border.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Trip interruption Included
  • Baggage delay Included
  • Lost baggage Included
  • Trip Interruption Insurance
  • Delayed and Lost Baggage Insurance
  • Mobile wallets Apple Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, flight delay and mobile device.

Fees and interest

What it costs

Annual fee
US$39 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Billed in
US dollars
Cash advance fee
2%, Minimum of $5, maximum of $25
Balance transfer fee
3%, Maximum
Over-limit fee
US$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards

Purchase interest on each card. This card: 21.99%.

See all cards ranked by interest

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD U.S. Dollar Visa Card?

US$39 a year.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip interruption insurance and delayed and lost baggage insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$660
interest a year
Apply now on TD’s site (opens in a new tab)
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