🇨🇦 TD Cash Back Visa Infinite 【开卡$350,主副卡免首年年费】

亮点简述

• 3%返现：加油，买菜，账单
• TD拖车服务
• 有条件免年费

发卡银行： TD
结算通道： VISA
卡片种类：信用卡
年费： $139; 副卡$50
有境外手续费

持有TD-All Inclusive Banking Plan 或 TD Unlimited Chequing Account可免主副卡年费
第一张副卡年费$50, 之后的副卡免年费

开卡奖励

【2023.10.23 更新】在 2024.3.4 之前申请， 开卡 $350返现， 外加 主卡副卡 首年免年费

Offer ends March 4, 2024. The value of up to $500 could be earned in the first year of Account opening and is based on the combined value of:

• $189: Annual Fee Rebate for the Primary Cardholder ($139) and first Additional Cardholder ($50) for the first year;
• $350: Earn a cumulative 10% in Cash Back Dollars on eligible Gas Purchases, Grocery Purchases and Pre-Authorized Payments in the first three months of account opening until $3,500 in such purchases have been made, based on the following breakdown:
  • $210: (“Welcome Bonus Rebate”) of 6% Cash Back Dollars on eligible Gas Purchases, Grocery Purchases and Pre-Authorized Payments (“Bonus Eligible Purchases“) charged to your Account.
  • $140: (“Limited Time Bonus Rebate”) of an additional 4% Cash Back Dollars on Bonus Eligible Purchases charged to your Account.

申请链接

2023.05.28 之前

• 前三个月内所有消费 10%返现，上限$2000消费，即$200返现
• 免首年年费（需要开卡三个月内消费一次）
• 要求年收入6万或家庭收入10万

日常消费

3%: 超市，油站，账单（Recurring bill payment）

1%: 其他

福利 & 保险

• Visa Infinite Concierge
• Visa Infinite Luxury Hotel Collection
• Visa Infinite Dining Series
• Free Deluxe TD Auto Club Membership：TD的拖车服务，每年四次免费，适用于持卡人，不是自己的车也可以。具体参考此处
• Avis/Budget租车折扣：北美10%，国际5%
• 行李延误，丢失险 Delayed and Lost Baggage Insurance：延误六小时以上或丢失每人最高上限$1000
• 租车丢失、损坏保险 Rental Car Collision Loss/Damage Insurance：需全额支付
• Travel Medical Insurance：上限两百万，覆盖旅行前十天，65岁长者覆盖前四天
• 在星巴克使用此卡可获得额外50%的星巴克星星数

点评

返现能力一般，吃饭方面没有特殊的亮点，超市加油方面均有其他更好的卡替代。不是刚需或TD主力银行可以不考虑。