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TD Gold Select Visa Card credit card reviews

TD Gold Select Visa Card credit card details and credit card application link.

The TD Gold Select Visa Card, issued by the Toronto-Dominion Bank, gives card holders the advantages of greater purchasing power and first-class privileges. The annual interest rates of the card are standard: 19.99 percent on purchases, 21.5 percent on cash advances, including balance transfers, cash-like transactions, and TD Visa cheques. Interest rates increase by 5 percent for both, given the minimum payment is not made up to 30 days after the due day. The interest-free grace period is 21 days on new purchases and can be extended if payments are received by their due date. An interest-free grace period is not available for cash advances. The amount of the minimum payment required during every billing period is $10 plus fees, interest, and previous due amounts exceeding the credit limit. While the card goes with no annual fee, transaction charges include $2.50 for cash advances in Canada and $5.00 outside the country; $42.50 dishonored payment fee; and $20 over-the-limit fee whenever your balance is over the credit limit.

The TD Gold Select Visa Card entitles its holder to a variety of additional benefits, including Auto Rental Collision/ Loss Damage Insurance, purchase security and extended warranty, Emergency Travel Assistance Services, Common Carrier Travel Accident Insurance, No-Fee Travellers, and Avis and Budget Rent A Car Partner Rates. With the Auto Rental Collision/ Loss Damage Insurance, you get full coverage whenever you use the card to rent a car, incurring no costs. Thus, you will not need to get the insurance offered by the rent-a-car company, and are covered on rentals in North America and some other countries. In addition, the purchase security and extended warranty gets you 90-day warranty on any item purchased with the card. In case of a loss or damage within that period, you will either have it repaired or replaced at no additional cost. The TD Gold Select Visa Card also gives you a sense of security while traveling, providing all cardholders with Emergency Travel Assistance Services, available by calling a toll-free number. These include medical consultation, transportation to medical facility, legal referrals, luggage assistance, emergency transport, cash transactions, etc. Another advantage applicable to all TD Visa credit cards is the exemption from standard commission fees when using American Express Travellers Cheques. Additional benefits include optional travel medical and balance protection insurance, Visa payWave payment system, chip enabled technology, Verified by Visa service, all of which make online shopping easy and safe. The standard benefits of Visa cards apply such as worldwide acceptance, guaranteed hotel reservations, and emergency assistance from the Visa Service Centre.

Another Visa card you can look at is My Visa Rewards Plus, featured by the Citizens Bank of Canada. The product goes with an annual fee of $99, interest rate of 19.5 percent, and 21 grace days. The low interest rate option of the card comes with an interest rate of just 11.25 percent. Up to four additional cards are available at no added cost. Customers earn one rewards point for every $1 in purchases and get a welcome bonus in the amount of 2500 points. Card holders enjoy price protection, extended warranty, and purchase security. Additional beneficial features of the card are Travel Accident Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision/ Loss Damage Insurance, and optional CardAssist, CreditAlert, and Credit Assist Plus.

Credit Card Details
NameTD Gold Select Visa Card Apply Now
Interest Rate19.99%
Annual Fee$0
Cash BackNo
Low InterestNo
Auto and GasNo
Instant ApprovalNo
Balance TransferYes
US DollarNo
No Annual FeeYes