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US Dollar Credit Cards in Canada vs No Foreign Transaction Fee Credit Cards – Explained

If you frequently make purchases in US dollars on your credit card, you might have noticed that on every transaction, your credit card charges you a fee to convert the currency from US dollars to Canadian dollars. The fee is usually a few percentage points.

Any thrifty Canadian who makes frequent purchases in US dollars should want to minimize these fees. One strategy to minimize foreign transaction fees is to apply for a US dollar credit card.

Can a Canadian apply for a US dollar credit card?

Yes, as a Canadian, you can apply for a US dollar credit card through one of Canada’s major banks. Since the credit card is a US dollar card, you won’t be charged a foreign transaction fee when you make purchases in US dollars.

NOTE: In order to make your monthly payments however, you’ll need a source of US dollars. Otherwise, you’ll need to convert your Canadian dollars to US dollars to pay off your credit card, which may cost more than paying foreign transaction fees.

Why get a US dollar credit card?

A US dollar credit card is a useful tool if you frequently travel to the US or make purchases in US dollars. Instead of withdrawing cash for spending or making purchases on your Canadian credit card (and paying foreign transaction fees) you can make purchases with a US dollar credit card and avoid those fees.

A US dollar credit card is a smart choice if you have access to US dollars and have the funds to pay off your credit card without converting currency. For example, if you’re a freelancer and some of your clients pay you in US dollars, you could use that money to pay off your credit card without converting currency and incurring fees.

US dollar credit cards vs no foreign transaction fee credit cards

US dollar credit cards and no foreign transaction fee credit cards are not the same, but it’s easy to get confused about the difference.

US dollar credit cards charge you for purchases in US dollars, and you pay off the balance in US dollars.

No foreign transaction fee credit cards, on the other hand, charge your US purchases (and any other foreign purchases) in Canadian dollars, and they don’t charge a foreign transaction fee to make the conversion. With most Canadian credit cards, converting purchases made in US dollars to Canadian dollars will typically cost a few percentage points (2.5%), but with a no foreign transaction fee credit card, it won’t cost you anything.


US dollar credit cards in Canada

Below, we shed some light on US dollar credit cards issued by some of Canada’s biggest banks and credit unions.

BMO U.S. Dollar Mastercard

The BMO U.S. Dollar Mastercard has an annual fee of $35, but when you spend $1,000 US in the first year, the fee is rebated back to your credit card. The interest rate is 19.99% for purchases and 22.99% for cash advances. This credit card comes with extended warranty coverage, purchase protection, and is accepted at over 30 million locations in the US and worldwide.

Scotiabank US Dollar Visa Card

The Scotiabank US Dollar Visa Card boasts no US currency conversion fees, and free supplementary cards for extra users. This credit card offers purchase security and extended warranty protection, and secure online shopping via Visa Checkout. The Scotiabank US Dollar Visa Card is also eligible for Apple Pay and Android Pay, and there is a $35 annual fee.

Meridian VISA US Dollar Card

The Meridian VISA US Dollar Card lets you earn rewards for your US dollar spending. This credit card lets you earn 1 point per dollar spent, with no restrictions on the purchases you make. The annual fee is $65, and it’s waved in the first year. Additional cards cost $30 per user, and your travel is covered by a suite of insurance products.

CIBC U.S. Dollar Aventura Gold Visa Card

With this credit card, you’ll pay an annual fee of $35, but that fee is waived in the first year. The CIBC U.S. Dollar Aventura Gold Visa Card is a rewards card that lets you earn 1 point per dollar spent that the CIBC Rewards Center, and 1 point per $2 spent on all other purchases. You can also earn an extra 2,500 bonus points by completing a series of activities with CIBC like setting up your email address and signing up for eStatements.

RBC U.S. Dollar Visa Gold

This travel rewards credit card lets you earn 1 RBC Rewards point for every dollar you spend, to be redeemed for flights, hotels, event tickets, and merchandise. There is a $65 annual fee for this credit card, and supplementary cards are $30 each. When you make purchases with the RBC U.S. Dollar Visa Gold, you’re covered by an extensive insurance package including purchase assurance and travel insurance.

TD U.S. Dollar Visa Card

Finally, the TD U.S. Dollar Visa Card has a $39 annual fee and free cards for additional card users. The interest rate on this credit card is 19.99% for purchases and 22.99% for cash advances. The TD U.S. Dollar Visa Card is Apple Pay, and contactless payment-enabled, for a seamless shopping experience. Purchases made with the TD U.S. Dollar Visa Card are covered by trip interruption insurance, baggage insurance, and emergency travel assistance.


No foreign transaction fee credit cards in Canada

If you don’t have access to US dollars to pay off your US dollar credit card, a no foreign transaction fee credit card is a simple and straight forward way to save money on purchases made in US dollars. You can pay off your balance with Canadian dollars, and you don’t have to worry about converting currency. With that in mind, here are some of the best no foreign transaction fee credit cards in Canada.

Home Trust Preferred Visa

Read our full review of the Home Trust Preferred

  • Featured

    Home Trust Preferred Visa

Card details

  • No annual fee
  • No foreign transaction fee charged on purchases abroad
  • Earn 1% cash back on all purchases, with no limit on the amount you can earn
  • Not available to residents of Quebec
  • Limited to 10 authorized transactions per day
  • Featured

    Scotiabank Passport™ Visa Infinite* Card

    Earn up to 30,000 bonus Scotia Rewards points in your first year (that’s up to $300 towards travel)‡

Card details

  • Annual fee: $139
  • No foreign transaction fee charged on purchases abroad
  • Earn 2 Scotia Rewards points per dollar on restaurants, entertainment, and travel
  • Earn 1 point per dollar on all other eligible purchases
  • Welcome offer: Get 30,000 bonus points ($300 value) with your first $1,000 in everyday purchases in the first 3 months
  • Enjoy complimentary Priority Pass membership, plus 6 free visits per year from the date of enrolment.
Источник: https://www.ratehub.ca/blog/us-dollar-credit-card-in-canada/

Live life your way and get rewarded

Live life your way and get rewarded

American Express Gold Rewards Card

Apply for the American Express® Gold Rewards Card, you could earn up to 60,000 points*

Apply for the American Express® Gold Rewards Card, you could earn up to 60,000 points*

Learn More Learn More Learn More

*Terms & Conditions apply *Terms & Conditions apply

Don't live life without it
Don't live life without it
Источник: https://www.americanexpress.com/en-ca/

U.S. Bank Access® Online

Access Online, our proprietary payment management system, provides the security, functionality, reliability and convenience you need to manage and report on all your card programs with a single tool.

Features and benefits

With Access Online your organization has real‑time access to its commercial card programs anywhere, anytime, within a secured environment. Administrators, managers and cardholders can easily access tools via the Internet for completely paperless card administration.

Access Online:

  • Deploys quickly and easily
  • Improves spend visibility and controls
  • Automates and streamlines processes
  • Reduces manual data entry and approval routing
  • Cuts high administration costs

For more details on the features of Access Online please download our informational flyer.

Training

We provide ongoing learning opportunities to ensure you get the most out of Access Online. From instructor‑led classes to a comprehensive web‑based training environment, you can choose the training format that best meets your needs.

Access Online Training
Источник: https://www.usbankcanada.com/en/index/access-online.html

The Toronto-Dominion Bank ("TD") is the issuer of the TD® Aeroplan® Visa Platinum* Card. Approval of an TD® Aeroplan® Visa Platinum* Card account is at the sole discretion of TD and, if approved, use of the account is governed by the account agreement between the cardholder and TD. The terms and conditions below are provided by TD.

The up to $500 value is based on the combined total value of: The annual fee waiver for the first year ($89), plus one additional cardholder ($35); and that the 20,000 Aeroplan points upon approval of your TD Aeroplan Visa Platinum card are redeemed for a flight reward ($400), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of May 31, 2021. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 - May 31, 2021;

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at /ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at /ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

1 Must apply by December 5, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Platinum* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by December 6, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points and additional bonus Aeroplan points to be credited to your Aeroplan Member account.

2 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the "gas" or "grocery" or"Air Canada" category. Aeroplan points are earned on Purchases charged to the Account as follows:

  • 1 Aeroplan point (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
  • 1 Aeroplan point earned for each $1 on all other Purchases

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

3Starbucks Accelerator

Limited Time Promotional Offer: Applies to the TD® Aeroplan® Visa Platinum* Card (the Account). Offer starts November 8, 2020 and ends February 14, 2022 (the Offer Period). The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1 Bonus Aeroplan point for each $1.00 in Purchases charged to the Account at participating Starbucks® locations in Canada (the"Starbucks Bonus Aeroplan Earn Rate"). All reloads on the Starbucks mobile application and in-store purchases at corporate-owned stores are eligible. In-store purchases at licensed stores are excluded from this offer. To learn if a Starbucks location is a participating location, click hereExternal site which may not meet accessibility guidelines.. The Starbucks Bonus Aeroplan Earn Rate earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account. If the Purchase does not qualify for the Starbucks Bonus Aeroplan Earn Rate, you will earn the base earn rate of 1 Aeroplan point for each $1.50 in Purchases charged to the Account. Your Account must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan points earned on the original qualifying Purchase. Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Earn Rate to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation.

4Earn Points Twice

The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this "earn points twice" feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Preconditions

The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders' ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (aircanada.com/aeroplan-termsandconditions) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

6 Preferred Pricing

Primary TD Cardholders will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card. Preferred pricing for flight rewards applies only to flight rewards with Air Canada, not on other airlines. The Toronto-Dominion Bank is not responsible for the Aeroplan program and flight rewards' points pricing provided under this program. Visit aircanada.com/Aeroplan for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7 Delayed and Lost Baggage Insurance

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

8 Flight/Trip Delay Insurance

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9 Auto Rental Collision/Loss Damage Insurance

Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them--it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

10 Common Carrier Travel Accident Insurance

Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11 Emergency Travel Assistance Services

Provided by our administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12 Hotel/Motel Burglary Insurance, Mobile Device Insurance

Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

13 Purchase Security and Extended Warranty Protection

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

14 Additional Cardholders

Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.

All trademarks are the property of their respective owners.

For Air Canada and Aeroplan trademark ownership details see: td.com/aeroplancardsExternal site which may not meet accessibility guidelines..

15To participate in this offer, a cardholder of an Eligible Card (an "Eligible Cardholder") must enroll ("Participating Cardholder" or "you") any time prior to September 8, 2022 (the "Enrollment Window"). Attempted enrollment outside the Enrollment Window will not qualify for a Complimentary Uber Pass. Eligible Cardholders that have an existing  active auto-renewing Uber Pass subscription qualify and may enroll in this offer. Once enrolled in the Complimentary Uber Pass, Participating Cardholder will not be charged the  monthly subscription fee for their Complimentary Uber Pass for up to 3, 6, or 12 consecutive months (as shown in their offer)(the "Complimentary Pass Benefit Window"). If a Participating Cardholder has an existing active auto-renewing Uber Pass subscription at the time of enrollment in the Complimentary Uber Pass, then such Cardholder's  Complimentary Uber Pass will commence as of the first day of next billing cycle for the existing Uber Pass subscription. Complete terms and conditions describing other important conditions, limitations and restrictions are available here. 

16Applies to eligible restaurant orders of $15 minimum ($0 Delivery Fee and 5% off) and eligible grocery orders of $40 minimum ($0 Delivery Fee only), plus taxes and other fees. Grocery is powered by Cornershop, which is only available in select cities. Exclusions may apply. Look for the ticket to save. Pass benefits apply in Canada, in markets where Uber Pass is available.

17Benefits change monthly. You will be notified in app of this month's benefits and by email in advance of the following month. Discounts are applied off your subtotal. Other fees apply. Additional info in your app.

*Trademark of Visa International Service Association and used under licence.
®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation.

Источник: https://www.aircanada.com/ca/en/aco/home/aeroplan/credit-cards/td/personal.html

TD Double Up Credit Card 2021 Review

The TD Double Up Credit Card is an excellent choice for a cash-back credit card but with a big “if” attached to it. If you have an eligible TD bank account or if you’re willing to open one and live in one of the states where TD has a footprint, then sure, it’s a solid pick. Earning a net 2% cash back on everything you buy is a terrific earning rate that’s easy to understand. With this card you’ll 1% cash back on purchases, plus 1% cash back after redeeming into an eligible TD Bank deposit account.

If that last part sounds familiar, it’s because that’s a similar set-up to the Citi Double Cash Card, which earns 1% cash back when you make a purchase and another 1% when you pay the bill.

If you’re looking for an all-purpose cash-back card that earns simple and generous rewards, which one should you pick? If you have, or are willing to have, a TD Bank deposit account and live in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia or Washington, D.C.,  the TD Double Up could be a good choice for you. This is especially true since it offers a welcome bonus, which the Citi Double Cash does not.

But, for most, the Citi Double Cash is a better option since it has greater all-around flexibility in how you can redeem your earnings. Unlike the TD Double Up card, which only lets you redeem into an eligible TD deposit account, you can take your earnings on the Citi Double Cash as a statement credit, deposit into a qualifying bank account, a check mailed to you or converted into Citi ThankYou points which can be used to book travel or transfer to one of Citi’s travel transfer partners at greater potential value.

Источник: https://www.forbes.com/advisor/credit-cards/reviews/td-double-up-credit-card/

How to apply for U.S. credit cards with your Canadian credit history

As you plan your move to the United States, organizing your finances is likely a top priority. While you can use many Canadian credit cards and debit cards in the U.S., you may end up paying a a foreign transaction fee (often around 2.5% to 3%) on every purchase in non-Canadian dollars. 

Opening a U.S. credit card can help you avoid that fee and build your U.S. credit history in the process. Whether you’re planning to move for good, go back and forth or only have plans to stay temporarily, your U.S. credit history can make it easier to rent an apartment, get a job, start a business or take out a loan in the States. In this article, we explain how you can get started.

Open a U.S. bank account 

While you won’t necessarily need a U.S. bank account to apply for a credit card, having an American bank account can simplify your financial life from managing cards to paying bills. You won’t have to worry about currency conversion fees (or do the mental math on exchange rates!) as you compare your income and expenses. And if you’re working or receive a stipend at school in U.S. dollars, you’ll likely want a secure place to store and save your money. 

Although you’ll need a Social Security number (SSN) before you can qualify for some bank accounts, that’s not always the case. You may be able to apply with other identification documents, such as your passport and visa. 

You can also initiative the process of opening a U.S. bank account before your big move as many major Canadian banks offer accounts specifically for people who will frequently travel between Canada and the U.S. If you’re already banking with one of the Big Five—BMO, CIBC, RBC, Scotiabank or TD—ask a banker about their cross-border accounts. Lean more about the best best banking options for Canadians in the U.S. here

Opening U.S. checking and savings accounts with the same financial institution you use in Canada can make it easier (and quicker) to transfer funds between your accounts. Plus, having all your money in one place can mean there’s less to think about while managing your finances. 

Establish your U.S. address

You’ll need a U.S. address to apply for a U.S. credit card. The address could be your home address, or school if you’re studying in the U.S. and live in school-provided housing. Even if you’re temporarily staying with a family member or friend, you may be able to use that address if it’s where you’re receiving mail at the time.

If you haven’t found a permanent home yet, you may be able to sign up for a post office box (P.O. Box) and receive all your mail at a local post office. However, due to customer identity verification laws, you can’t use the P.O. Box address to apply for many types of financial accounts and products. 

You can always update your address with the credit card issuer if you move again, and you can sign up for electronic statements and mailings to avoid the snail mail (and save a few trees). Still, be sure to update your address with the issuer whenever you move as they may need to send certain notifications through the mail. 

You can use your international credit history to apply for a U.S. credit card without a Social Security Number

Learn More

Obtain an ITIN or an SSN

You’ll generally need either an Individual Taxpayer Identification Number (ITIN) or Social Security number (SSN) to apply for a credit card in the U.S. You’ll enter one of these tax identification numbers on the application, and the credit card company will use it to help verify your identity and pull your credit history.

The government assigns U.S. citizens a SSN when they’re born, and the number acts as a national identification number. It’s used to pay taxes and receive social services from local, state and federal organizations—similar to Social Insurance Numbers in Canada. In fact, they’re both nine digits long. 

As a non-U.S. citizen, you can qualify for an SSN if you’re authorized to work in the U.S. For example, if you’re in the U.S. on an F or M student visa and have work authorization, you should also apply for an SSN. 

In contrast, an ITIN is issued to people who don’t have work authorization in the U.S. and aren’t eligible for an SNN, but still need a number for federal tax forms. Students with an F or M visa that receive a scholarship or grant while studying in the U.S. can apply for an ITIN. 

You may also be able to apply for an ITIN if you have other types of non-wage income while in the U.S., such as lottery or gambling winnings, or income from contract work or self-employment. Dependents and spouses of U.S citizens, resident aliens and nonresident alien visa holders can also apply for an ITIN.

The Internal Revenue Service, the U.S. federal agency that collects taxes, has an online tool you can use to see if you’re eligible for an ITIN and information on the three ways you can apply. 

Once you receive either an SSN or ITIN, you can use the number when filling out your credit card application. Even though it’s also nine digits long, don’t use your Canadian SIN in its place—that could be fraud as you may be entering a U.S. tax identification number that doesn’t belong to you. 

Here’s a helpful guide that breaks down which major banks, credit unions and credit card issuers require an SSN and which will accept an ITIN. A few card issuers will alternatively let you apply for a credit card using your Canadian passport if you don’t have an SSN or ITIN. However, you may need to visit a bank branch or be limited to certain cards. 

Use Nova Credit and your Canadian credit history

Most U.S. credit card companies will want to review your credit history before approving or denying your credit card application. Unfortunately, they’ll only look at U.S. credit history—which you likely don’t have if you’ve never taken out a loan or opened a credit card in the U.S.

However, thanks to a partnership between Nova Credit and American Express, you can apply for U.S. Amex credit cards using your Canadian credit history.  

To do so, look for the checkbox under the Social Security number section of the American Express card application. Clicking the box allows Nova Credit to share your Canadian credit history with American Express, which can then make a decision based on the information. You’ll generally find out if you’re approved or denied within a few minutes. 

Here are a few of the best credit cards from American Express, which include cards that don’t have an annual fee, offer rewards programs or have great cardholder perks. As with any credit card application, review the card’s terms, features and fees before applying. 

Look into other credit cards for U.S. newcomers 

In addition to applying for an Amex card using your Canadian credit history, you can also look for cards that are part of the Visa, Mastercard or Discover credit card networks. There are also issuers that don’t require a strong U.S. credit history, or, in some cases, any credit history. 

Secured credit cards are sometimes an option, as these are generally targeted at people who are building their credit for the first time (U.S. citizens and newcomers alike), and people who want to rebuild their credit. However, secured cards require you send the issuer a refundable security deposit, and they may have higher interest rates and more fees than unsecured cards.

There are also a few card issuers that will connect to your bank account and analyze that information rather than (or in addition to) your credit history to determine your eligibility. Some of the options include rewards cards that offer bonus points on certain types of purchases. However, they may only connect to U.S. bank accounts, so even these options could be limited if you haven’t already used a U.S. bank for some time. 

You can review the Nova Credit credit card shop to see the card offers that we recommend for newcomers to the U.S. 

We’ll customize the results after you indicate that you’re moving from Canada, and you can filter the results based on your preferences (such as no annual fee or cash back rewards). Click the “Apply Now” button to start a new credit card application when you see a card that matches your needs.

Nova Credit has partnered with American Express to help newcomers to the U.S. to use their international credit history from Australia, Canada, India, Mexico and the UK to apply for Personal Cards.

Use your card to build your credit history 

A credit card will only help you build credit if the card issuer reports your information to at least one of the three major consumer credit bureaus in the U.S., Equifax, Experian and TransUnion. These companies gather and organize all your information and create credit reports, which are the basis of your credit scores in the U.S. 

If you’re trying to build credit in the U.S., try to get a card from an issuer (like American Express, Chase, Citi and Petal) that report to all three bureaus. Most major banks and credit card issuers do this, and it’s generally not a big concern. However, a few smaller issuers and secured card companies only send your information to one or two bureaus, or none at all. 

When your information doesn’t get sent to a credit bureau, the bureau can’t use it to create a credit report for you, or add it to an existing credit report. 

For example, say you get a credit card that reports to Experian and TransUnion, but not Equifax. You use the credit card, always pay your bill on time and build a good credit history. You may even monitor your credit scores and watch them increase over time. 

If you apply for a new credit card or apartment and the company tries to check your credit by pulling your Equifax credit report, it won’t get anything back—no report and no score—and you might not get approved. 

The company could try to check either Experian or TransUnion, and then approve your application based on that credit report and score. However, especially when you’re first starting to build credit, it’s best to avoid this potential issue by starting with a card that reports to all three bureaus. 

More from Nova Credit:

Credit Cards for No Credit

Credit Cards for International Students

Credit Cards Without SSN

Credit Cards to Build Credit

How to Build Credit

How to use your international credit report to get credit in the U.S.

American Express Platinum Credit Card Review

American Express Gold Card Review

American Express Blue Cash Preferred Credit Card Review

American Express Blue Cash Everyday Credit Card Review

Источник: https://www.novacredit.com/resources/us-credit-card-for-canadian/

The Toronto-Dominion Bank ("TD") is the issuer of the TD® Aeroplan® Visa Platinum* Card. Approval of an TD® Aeroplan® Visa Platinum* Card account is at the sole discretion of TD and, academy fort smith if approved, use of the account is governed by the account agreement between the cardholder and TD. The terms and conditions below are provided by TD.

The up to $500 value is based on the combined total value of: The annual fee waiver for the first year ($89), plus one additional cardholder ($35); and that the 20,000 Aeroplan points upon approval of your TD Aeroplan Visa Platinum card are redeemed for a flight reward ($400), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of May 31, 2021. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 - May 31, 2021;

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value td us credit card login rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at /ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at /ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

1 Must apply by December 5, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Platinum* Card Account best high yield savings rates only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is houston federal credit union near me the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by December 6, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points and additional bonus Aeroplan points to be credited to your Aeroplan Member account.

2 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the "gas" or "grocery" or"Air Canada" category. Aeroplan points are earned on Purchases charged to the Account as follows:

  • 1 Aeroplan point (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
  • 1 Aeroplan point earned for each $1 on all other Purchases

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

3Starbucks Accelerator

Limited Time Promotional Offer: Applies to the TD® Aeroplan® Visa Platinum* Card (the Account). Offer starts November 8, 2020 and ends February 14, 2022 (the Offer Period). The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1 Bonus Aeroplan point for each $1.00 in Purchases charged to the Account at participating Starbucks® locations in Canada (the"Starbucks Bonus Aeroplan Earn Rate"). All reloads on the Starbucks mobile application and in-store purchases at corporate-owned stores are eligible. Td us credit card login purchases at licensed stores are excluded from this offer. To learn if a Starbucks location is a participating location, click hereExternal site which may not meet accessibility guidelines. The Starbucks Bonus Aeroplan Earn Rate earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account. If the Purchase does not qualify for the Starbucks Bonus Aeroplan Earn Rate, you will earn the base earn rate of 1 Aeroplan point for each $1.50 in Purchases charged to the Account. Your Tioga state bank newfield must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits best high yield savings rates reduce or cancel the Aeroplan points earned on the original qualifying Purchase. Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Earn Rate to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation.

4Earn Points Twice

The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this "earn points twice" feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Preconditions

The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name td us credit card login the Aeroplan account of the traveller. For Additional Cardholders' ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight eastern michigan university amazon airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (aircanada.com/aeroplan-termsandconditions) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

6 Preferred Pricing

Primary TD Cardholders will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card. Preferred pricing for flight rewards applies only to flight rewards with Air Canada, not on other airlines. The Toronto-Dominion Bank is not responsible for the Aeroplan program and flight rewards' points pricing provided under this program. Visit aircanada.com/Aeroplan for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7 Delayed and Lost Baggage Insurance

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject switched at birth season 5 conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

8 Flight/Trip Delay Insurance

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9 Auto Rental Collision/Loss Damage Insurance

Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver (CDW) td us credit card login coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them--it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

10 Common Carrier Travel Accident Insurance

Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11 Emergency Travel Assistance Services

Provided by our administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12 Hotel/Motel Burglary Insurance, Mobile Device Insurance

Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

13 Purchase Security and Extended Warranty Protection

Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

14 Additional Cardholders

Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.

All trademarks are the property of their respective owners.

For Air Canada and Aeroplan trademark ownership details see: td.com/aeroplancardsExternal site which may not meet accessibility guidelines.

15To participate in this offer, a cardholder of an Eligible Card (an "Eligible Cardholder") must enroll ("Participating Cardholder" or "you") any time prior to September 8, 2022 (the "Enrollment Window"). Attempted enrollment outside the Enrollment Window will not qualify for a Complimentary Uber Pass. Eligible Cardholders that have an existing  active auto-renewing Uber Pass subscription qualify and may enroll in this offer. Once enrolled in the Complimentary Uber Pass, Participating Cardholder will not be charged the  monthly subscription fee for their Complimentary Uber Pass for up to 3, 6, or 12 consecutive months (as shown in their offer)(the "Complimentary Pass Benefit Window"). If a Participating Cardholder has an existing active auto-renewing Uber Pass subscription at the time of enrollment in the Complimentary Uber Pass, then such Cardholder's  Complimentary Uber Pass will commence as of the first day of next billing cycle for the existing Uber Pass subscription. Complete terms and conditions describing other important conditions, limitations and restrictions are available here. 

16Applies to eligible restaurant orders of $15 minimum ($0 Delivery Fee and 5% off) and eligible grocery orders of $40 minimum ($0 Delivery Fee only), plus taxes and other fees. Grocery is powered by Cornershop, which is only available in select cities. Exclusions may apply. Look for the ticket to save. Pass benefits apply in Canada, in markets where Uber Pass is available.

17Benefits change monthly. You will be notified in app of this month's benefits and by email in advance of the following month. Discounts are applied off your subtotal. Other fees apply. Additional info in your app.

*Trademark of Visa International Service Association and used under licence.
®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation.

Источник: https://www.aircanada.com/ca/en/aco/home/aeroplan/credit-cards/td/personal.html

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2 APY = Annual Percentage Yield
3 Existing TDECU loans are ineligible for refinancing.
4 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option. Advertised 2.49% APR is the lowest rate offered for a 48-month term and includes a 0.25% discount for recurring direct deposit of $250 or more. Rate determined by loan term and credit score. Terms of repayment: A $15,000 loan with a 48-month term at 2.49% APR equals a $328.64 monthly payment. Credit approval required. Minimum auto refinance loan amount is $3,000. Not available for commercial vehicle classifications. Other terms/conditions apply; contact TDECU for details.
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6 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.

Источник: https://www.tdecu.org/

How to apply for U.S. credit cards with your Canadian credit history

As you plan your move to the United States, organizing your finances is likely a top priority. While you can use many Canadian credit cards and debit cards in the U.S., you may end up paying a a foreign transaction fee (often around 2.5% to 3%) on every purchase in non-Canadian dollars. 

Opening a U.S. credit card can help you avoid that fee and build your U.S. credit history in the process. Whether you’re planning to move for good, go back and forth or only have plans to stay temporarily, your U.S. credit history can make it easier to rent an apartment, get a job, start a business or take out a loan in the States. In this article, we explain how you can get started.

Open a U.S. bank account 

While you won’t necessarily need a U.S. bank account to apply for a credit card, having an American bank account can simplify your financial life from managing cards to paying bills. You won’t have to worry about currency conversion fees (or do the mental math on exchange rates!) as you compare your income and expenses. And if you’re working or receive a stipend at td us credit card login in U.S. dollars, you’ll likely want a secure place to store and save your money. 

Although you’ll need a Social Security number (SSN) before you can qualify for some bank accounts, that’s not always the case. You may be able to apply with other identification documents, such as your passport and visa. 

You can also initiative the process of opening a U.S. bank account before your big move as many major Canadian banks offer accounts specifically for people who will frequently travel between Canada and the U.S. Td us credit card login you’re already banking with one of the Big Five—BMO, CIBC, RBC, Scotiabank or TD—ask a banker about their cross-border accounts. Lean more about the best best banking options for Canadians in the U.S. here

Opening U.S. checking and savings accounts with the same financial institution you use in Canada can make it easier (and quicker) to transfer funds between your accounts. Plus, having all your money in one place can mean there’s less to think about while managing your finances. 

Establish your U.S. address

You’ll need a U.S. address to apply for a U.S. credit card. The address could be your home address, or school if you’re studying in the U.S. and live in school-provided housing. Even if you’re temporarily staying with a family member or friend, you may be able to use that address if it’s where you’re receiving mail at the time.

If you haven’t found a permanent home yet, you may be able to sign up for a post office box (P.O. Box) and receive all your mail at a local post office. However, due to customer identity verification laws, you can’t use the P.O. Box address to apply for many types of financial accounts and products. 

You can always update your address with the credit card issuer if you move again, and you can sign up for electronic statements and mailings to avoid the snail mail (and save a few trees). Still, be sure to update your address with the issuer whenever you move as they may need to send certain notifications through the mail. 

You can use your international credit history to apply for a U.S. credit card without a Social Security Number

Learn More

Obtain an ITIN or an SSN

You’ll generally need either an Individual Taxpayer Identification Number (ITIN) or Social Security number (SSN) to apply for a credit card in the U.S. You’ll enter one of these tax identification numbers on the application, and the credit card company will use it to help verify your identity and pull your credit history.

The government assigns U.S. citizens a SSN when they’re born, and the number acts as a national identification number. It’s used to pay taxes and receive social services from local, state and federal organizations—similar to Social Insurance Numbers in Canada. In fact, they’re both nine digits long. 

As a non-U.S. citizen, you can qualify for an SSN if you’re authorized to work in the U.S. For example, if you’re in the U.S. on an F or M student visa and have work authorization, you should also apply for an SSN. 

In contrast, an ITIN is issued to people who don’t have work authorization in the U.S. and aren’t eligible for an SNN, but still need a number for federal tax forms. Students with an F or M visa that receive a scholarship or grant while studying in the U.S. can apply for an ITIN. 

You may also be able to apply for an ITIN if you have other types of non-wage income while in the U.S., such as lottery or gambling winnings, or income from contract work or self-employment. Dependents and spouses of U.S citizens, resident aliens and nonresident alien visa holders can also apply for an ITIN.

The Internal Revenue Service, the U.S. federal agency that collects taxes, has an online tool you can use to see if you’re eligible for an ITIN and information on the three ways you can apply. 

Once you receive either an SSN or ITIN, you can use the number when filling out your credit card application. Even though it’s also nine digits long, don’t use your Canadian SIN in its place—that could be fraud as you may be entering a U.S. tax identification number that doesn’t belong to you. 

Here’s a helpful guide that breaks down which major banks, credit unions and credit card issuers require an SSN and which will accept an ITIN. A few card issuers will alternatively let you apply for a credit nevada state bank hours near me using your Canadian passport if you don’t have an SSN or ITIN. However, you may need to visit a bank branch or be limited to certain cards. 

Use Nova Credit and your Canadian credit history

Most U.S. credit card companies will want to review your credit history before approving or denying your credit card application. Unfortunately, they’ll only look at U.S. credit history—which you likely td us credit card login have if you’ve never taken out a loan or opened a credit card in the U.S.

However, thanks to a partnership between Nova Credit and American Express, you can apply for U.S. Amex credit cards using your Canadian credit history.  

To do so, look for the checkbox under the Social Security number section of the American Express card application. Clicking the box allows Nova Credit to share your Canadian credit history with American Express, which can then make a decision based on the information. You’ll generally find out if you’re approved or denied within a few minutes. 

Here are a few of the best credit cards from American Express, which include cards that don’t have an annual fee, offer rewards programs or have great cardholder perks. As with any credit card application, review the card’s terms, features and fees before applying. 

Look into other credit cards for U.S. newcomers 

In addition to applying for an Amex card using your Canadian credit history, you can also look for cards that are part of the Visa, Mastercard or Discover credit card networks. There are also issuers that don’t require a strong U.S. credit history, or, in some cases, any credit history. 

Secured credit cards are sometimes an option, as these are generally targeted at people who are building their credit for the first time (U.S. citizens and newcomers alike), and people who want to rebuild their credit. However, secured cards require you send the issuer a refundable security deposit, and they may have higher interest rates and more fees than unsecured cards.

There are also a few card issuers that will connect to your bank account and analyze that information rather than (or in addition to) your credit history to determine your eligibility. Some of the options include rewards cards that offer bonus points on certain types of purchases. However, they may only connect to U.S. bank accounts, so even these options could be limited if you haven’t already used a U.S. bank for some time. 

You can review the Nova Credit credit card shop to see the card offers that we recommend for newcomers to the U.S. 

We’ll customize the results after you indicate that you’re moving from Canada, and you can filter the results based on your preferences (such as no annual fee or cash back rewards). Click the “Apply Now” button to start a new credit card application when you see a card that matches your needs.

Nova Credit has partnered with American Express to help newcomers to the U.S. to use their international credit history from Australia, Canada, India, Mexico and the UK to apply for Personal Cards.

Use your card to build your credit history 

A credit card will only help you build credit if the card issuer reports your information to at least one of the three major consumer credit bureaus in the U.S., Equifax, Experian and TransUnion. These companies gather and organize all your information and create credit reports, which are the basis of your credit scores in the U.S. 

If you’re trying to build credit in the U.S., try to get a card from an issuer (like American Express, Chase, Citi and Petal) that report to all three bureaus. Most major banks and credit card issuers do this, and it’s generally not a big concern. However, a few smaller issuers and secured card companies only send your information to one or two bureaus, or none at all. 

When your information doesn’t get sent to a credit bureau, the bureau can’t use it to create a credit report for you, or add it to an existing credit report. 

For example, say you get a credit card that reports to Experian and TransUnion, but not Equifax. You use the credit card, always pay your bill on time and build a good credit history. You may even monitor your credit scores and watch them increase over time. 

If you apply for a new credit card or apartment and the company tries to check your credit by pulling your Equifax credit report, it won’t get anything back—no report and no score—and you might not get approved. 

The company could try to check either Experian or TransUnion, and then approve your application based on td us credit card login credit report and score. However, especially when you’re first starting to build credit, it’s best to avoid this potential issue by starting with a card that reports to all three bureaus. 

More from Nova Credit:

Credit Cards for No Credit

Credit Cards for International Students

Credit Cards Without SSN

Credit Cards to Build Credit

How to Build Credit

How to use your international credit report to get credit in the U.S.

American Express Platinum Credit Card Review

American Express Gold Card Review

American Express Blue Cash Preferred Credit Card Review

American Express Blue Cash Everyday Credit Card Review

Источник: https://www.novacredit.com/resources/us-credit-card-for-canadian/

Get Started with Your TD Bank Cards

TD Bank Credit Cards

Log in to TD Card Services to manage your account, set up account alerts, view your rewards and more.

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Pay your bill easily with Online Banking

See transactions, pay your bill directly from your TD Checking account and check your credit score with free VantageScore®.2

Services with your TD Bank Credit Card

Digital Wallet

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Visa Zero Liability3

If your card is lost or stolen, get an immediate replacement at a TD Bank

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Our built-in chip makes your card more secure and easier to use around the world

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1By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

2TD CreditViewSM is provided by TD Bank, N.A. ("TD Bank") through our third party service provider, TransUnion Interactive, Inc. ("TransUnion Interactive"). To access CreditView you must enroll in TD Bank personal online services and accept the personal Online Banking Service Agreement. CreditView is only available in conjunction with a TD personal credit card. CreditView is only available if your personal information on your TD account and your credit file match.

3Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must take care in protecting their card and notify TD Bank immediately of any unauthorized use.

1By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

2TD CreditViewSM is provided by TD Bank, N.A. ("TD Bank") through our third party service provider, TransUnion Interactive, Inc. ("TransUnion Interactive"). To access CreditView you must enroll in TD Bank personal online services and accept td us credit card login personal Online Banking Service Agreement. CreditView is only available in conjunction with a TD personal credit card. CreditView is only available if your personal information on your TD account and your credit file match.

3Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must take care in protecting their card and notify TD Bank immediately of any unauthorized use.

Источник: https://www.td.com/us/en/personal-banking/learning/getting-started-with-td-cards/

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18 Months Deferred Interest

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Advertised payment is greater than required minimum payment.

Deferred Interest if Paid in Full within 18 Months: To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, we will charge interest from the purchase date at the Standard APR. After promotional period ends, the Standard APR also applies to the remaining balance. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum payment and excludes taxes, delivery or other charges. Prior purchases excluded. Account must be in good standing. Limited time offer. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

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Example of the Shane Co Credit Card

 

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This promotion is offered by Shane Co. in accordance with these terms and conditions. If you make a purchase from Shane Co. and pay in full with your Shane Co. credit card offered by TD Bank, you will receive a Shane Co. candle set with an estimated retail value of $40.00 (the “gift”). If you do not have a Shane Co. credit card, you may apply for one and (subject to credit check and approval) use it to pay for your purchase. If you return your purchase, please include the gift with your return. If you do not return the gift, Shane Co. may charge your credit card for the value of the gift. The gift cannot be exchanged or redeemed for cash. One gift per person. This promotion begins on November 1st, 2021 and continues until December 25th, 2021. Offer is valid while supplies last. Offer may vary in stores. If Shane Co. believes that you are abusing the promotion, Shane Co. may refuse to honor the promotion. This promotion is subject to all applicable laws and is void where prohibited.

 

18 Months Deferred Interest

Interest will be charged to your account from the purchase date td us credit card login the purchase balance is not paid in full within the promotional period. Advertised payment is greater than required minimum payment.

Deferred Interest if Paid in Full within 18 Months: To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, we will charge interest from the purchase date at the Standard APR. After promotional period ends, the Standard APR also applies to the remaining balance. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum payment and excludes taxes, delivery or other charges. Prior purchases excluded. Account must be in good standing. Limited time offer. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

9.99% APR with 24 Monthly Payments

§9.99% APR with 24 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

9.99% APR with 36 Monthly Payments

9.99% APR with 36 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may is july 3rd 2020 a holiday due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

9.99% APR with 48 Monthly Payments

9.99% APR with 48 Monthly Payments: 9.99% APR from date of eligible td us credit card login until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

9.99% APR with 60 Monthly Payments

9.99% APR with 60 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

  • Interest will be charged from the purchase date if the purchase balance is not paid in full by the end of the promotional period.

    Deferred Interest if Paid in Full within 18 Months: To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, we will charge interest from the purchase date at the Standard APR. After promotional period ends, the Standard APR also applies to the remaining balance. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum payment and excludes taxes, delivery or other charges. Prior purchases excluded. Account must be in good standing. Limited time offer. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

  • §9.99% APR with 24 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

  • 9.99% APR with 36 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

  • 9.99% APR with 48 Monthly Payments: 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

  • 9.99% APR with 60 Monthly Payments: 9.99% Total visa credit card online login from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Shane Co. financing account issued by TD Bank, N.A.

FREE & EASY LAYAWAY

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Источник: https://www.shaneco.com/customer-service/financing-options
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