Earn Rates
💡 9x at Expedia For TD. 6x dining, EV charging, transit, recurring bills, streaming and foreign currency. 2x everything else. $80K annual cap per bonus category.
Welcome Bonus
Smart Bonus Strategy — Earn 180,000 points
See spend breakdown below
First purchase bonus
one purchase required30,000 pts × 0.5¢+$150Minimum spend bonus
Spend $15,000 in 6 months
optimal stop120,000 pts × 0.5¢+$600Min. spend earnings30,000 pts × 0.5¢+$150
Annual fee (waived yr 1)$0
Net first-year value+$900
Not Included in Smart Bonus Strategy
30,000 points after $25,000 in purchases within 365 days
Spend $10,000 in 12 months
Only 1.5% return — optimal tier earns 6.0%
30,000 pts × 0.5¢+$15020,000 points after one purchase in the 15th billing period
Renewing the card unlocks this bonus — factor in whether the benefit and/or points justify paying the annual fee.
20,000 pts × 0.5¢+$100Annual Rewards Calculator
Based on average spending, you could earn
$382
conservative est.·up to $382 optimistic
Compare to Similar Cards
+Add a card to compareSearch by card name