TD Cash Visa [TD Bank N.A.]
This card is available to all Canadians, no SSN or ITIN required. They pull your Canadian TransUnion if you apply as cross-border.
Don't let the card image fool you. The card won't start with 4520, that's for TD Canada Trust visa cards. Card starts with 4839, so you're safe for merchant acceptance in the US.
Worthy mention. If you plan on using this card outside the US, call TD card services to put the card on travel mode (max 60 days).
- No-FTF (only Visa's 0.4% markup)
- Good cashback (best at restaurants) - 3% restaurants, 2% groceries, 1% everything else
- Welcome bonus
- USD card, great for those of us who capitalize a small gain exchanging CAD->USD, or can exchange at low cost
- If CL is approved at $5k+ (USD), card is visa signature, get those benefits, too
- Redeem cashback as statement credit any time, minimum $25
- Supports Google Pay, Samsung Pay and Apple Pay
- Now you don't need HomeTrust Preferred (no-FTF, Signature gets you a slightly better roadside assistance), Rogers MC WE (if you're capitalizing a small margin rather than losing on CAD->USD conversion, and you won't have to wait for annual statement credit), no need to pay AF for a restaurant cashback card, you can flush AmEx SCP (aside welcome bonus) for same reason as Rogers, flush Scotia cards, etc. Combo this with your one good premium Canadian card and you're good to go.
- With this card, you can go ahead and link to a US based Gmail account (get US Play Store) or do the same via iTunes, open a separate US PayPal account, etc. Now you can shop with some stars and stripes.
- Helps establish and build US credit history, though this is only relevant if one has or plans to acquire SSN or ITIN
- Why get this card: merchant acceptance, no-FTF, signature benefits for those who are approved with $5k+ CL, easiest US issued card for Canadians to get that's worthwhile (better than RBC's US side visa card). If you still aren't convinced, please skip this thread. Data points of initially approved CL of $3-15k.
- How can I pay this card: any checking account with a US FI, that includes TD Bank N.A. can also bill pay as a US payee for a fee out of TD CT.
- Unlike TD CT, no product changes and no moving CL between cards (you've been warned)
- TD Cash and First Class are the only two up for grabs via cross-border (Canadian TransUnion pull). With 6+ months US credit history (even without ITIN or SSN), can apply online for their Ameritrade or Business cards. Note that their business card pulls and reports on personal US history.
- Card ships without a PIN. PIN is only needed for cash advances, so don't request a PIN. Without SSN or ITIN, you can't change the PIN, either. Just don't bother. Contactless through phone, or chip and sign.
- It's possible to get more than one TD Cash visa card. Just apply again. Approval is not guaranteed.
- Note that this is an American card, that means welcome bonuses can get clawed back if the card is used to buy gift cards or prepaid cards in order to hit minimum spend. Of course whether this is enforced is YMMV, but don't complain when your WB gets clawed back
Visa Signature Benefits
Here's what you'll be missing out on if you get approved for less than $5k CL:
- Basic roadside assistance (US only, won't include Canada) at a discount
- 24 hour concierge
- Auto rental insurance
- Emergency cash disbursement
- Extended warranty - US purchases only, bonus 1 yr on max 3 yr manufacturer warranty (90 days becomes 15 months, 3 years becomes 4 years), exclusions are mostly the same as in Canada
- Usual travel stuff (lost luggage, life insurance for the duration of the flight paid by the card)
- Few other features including luxury travel discounts
- See this article for more info on Visa Signature features in the US
Warning: don't apply for this card if you...
- Only buy USD from big five banks... especially TD (unless you can get preferred rates via TD DI...not to be confused with TD Borderless rates, which are still uncompetitive)
- Are too lazy to get a mail forwarding or storage service on the East Coast
- Never travel, shop online or shop in foreign currency...ever
- Don't want restaurants to be hit with higher merchant fees
- Have no interest in boosting merchant acceptance while travelling in the US
- Rely on product change or moving CL. There is none of that at TD Bank US. CL increase is a hard pull, and no product changes. If your card is approved for under $5k CL and you want signature rather than platinum, it may be worth applying for the CL increase
How to apply
- grab a free mail forwarding service or border warehouse parcel service on the east coast. That will be your new US address for footprint
- Grab this PDF form
- For paperless cellphone users: grab Adobe Fill & Sign for your form. Google Play link here, Apple Store link here.
- Input No for US resident checkbox
- Use SIN, no ITIN or SSN required. Check off Canadian address for mailing. Put US address (mail forwarding service) in US address. Must be East Coast. No PO box.
- Fax the application to +1-706-649-4843 or +1-855-257-3388 (if over 21, can still fax the local number). If using web based fax, FaxZero.com is max three pages plus cover. Use an app to sever the form to drop the last few pages that are fine print only (TD Bank doesn't need that).
- Cross your fingers to get approved for $5k+ CL
- Once you get the card, do not change the address for at least one month. Afterwards, it's ok to change address on file but only via phone. It also takes three billing cycles to suppress paper billing
How to bill pay the card
You can't bill pay TD Cash as a Canadian bill payee under "TD VISA". That simply won't work. You can open a cross-border chq account with RBC, TD, or BMO Harris (BMO Harris is best for no fee/no minimum balance/good ATM access, does not require banking with BMO in Canada). Alternatively, open an account with another bank in the US, check the thread for that discussion. Your US bank may or may not have TD Bank Credit Cards pre-loaded, but even if they don't, you can add 'em manually. FWIW, you can also add TD Cash as a US payee via TD Canada Trust. TD CT won't allow adding custom US payees outside of preloaded list, but TD cards are there. Use the following info to add payee:
- Payee name: TD BANK CREDIT CARDS
- Match address with: PO Box 16027, Lewiston ME 04243
- Account number is your card number starting with 4839
Thanks to @dekvitaly and @Snuupy for their help with this info, Along with feedback in thread from @efrant.