 Hello everyone, this is Ahmed Dan and on this channel you find financial travel and more videos if you like what you see Please do the thumbs up and consider subscribing. Thank you Hello everyone, this is Ahmed Dan of AhmedDan.com Today I'll have another episode of great car unboxing and review video and I'll be presenting the TD viewers visa credit card on this channel, I do non-affiliated credit card reviews and other product reviews and I do travel videos too So basically using a credit card viewers and points I travel the globe for paying very little Mainly on business class and I document my travel and on this channel You'll see those travel videos and along the way you'll find lots of product videos and credit card videos and the difference between my credit card review or any product review and any other Website or channel reviews that minds minds are not affiliated unbiased and honest So what you're going to get is totally honest opinion and I do not provide any links so you can click on it and make money off the link So that way you know that What you're saying is you know, I don't have any reason to give you This honest opinion and make you Tell you good things so you can click on the link and make money and I can make money So these are all totally honest reviews. So let's open up the TD reverse visa credit card and Here we have the envelope which came from TD So this credit card actually I didn't apply for it I had to just close the TD first-class visa and clinic credit card and then I switched this to the No, no fee version Because the viewers your earning or their viewers your keeping basically of this basically the same for this credit card and the TD viewers visa infinite first-class credit card so This credit card is a no-manual to trade card and it doesn't have that many features and the rate rate structures are very poor but I'll just go through with you and So you have the information you need and you can make up your decision okay, so put them up here and this is the initial introductory letter and then here is the brochure and then the information folder so let's Put this away for now because the credit card is right here, which I'll come back to you later on So just keep it here and then let me take a look at the brochure and here you'll find some information which you can use so the name of the freight car is TD viewers visa and Here you'll find what type of insurance it provides and what type of rewards it provides and all the information so this brochure doesn't have that much to talk about so I'll just go to the Realtor structure So here these pages don't have much information just talks about minimum payment great living and other foreign currency transaction stuff It doesn't work as a transaction fee, which is standard for most Canadian pay cuts here. They talk about the TD viewers program and I'm going to come back to the real structure a little later But let me just show you how the TD viewers program work. So that's the first thing so for this great card if you use Expedia for TD then you get More value for your points. So if you're holding this card or TD first-class visa-infinite card then your main purpose should be using TD Expedia for TD and Redemining your points through Expedia for TD But that's the first thing I don't like about This card or the TD first-class visa-infinite that you know, it's forcing it to use only one Site which is Expedia for TD now If you use Expedia for TD and then when you redeem your points, then you get half cent per point value So each point is going to be half cent if you're using Expedia for TD and then if you do not use Expedia for TD then the real structure works this way So for the first $1,200 of Travel purchases which is equal to 300,000 TD points You're going to get 250 TD reward points redeemed For each $1 in travel savings. So if you do the math What this means here is that for each dollar you're going to get point four cent So this is not even half cent lower than half cent. It's a point for cent per dollar For the first $1,200 travel expenses if you use any other site than the Expedia for TD and then above that once you pass that threshold then You're going to get half cent per point which is equivalent to the Expedia for TD Then you can redeem those points for half cent per point value. So for the first $1,200 non Expedia Travel sites or any travel purchases or any travel expenses The value for your point is going to be point four cent lesser than half cent or one cent and Then if you exceed the $1,200 limit Then you're going to get point five cent and For Expedia it's going to be one point half cent So I'm going to assume that you're going to use this card only for Expedia for TD and then I'll show you how the Reward structure works. Okay. So Here we have one TD reward points per dollar in Purchases which is gives you like you know half cent Assuming all these assuming that you're you know using only these points for Expedia for TD So you are one point per dollar Which is your earn rate? Half cent per dollar and then you earn three points per dollar When you make travel purchases online through Expedia for TD So if you're using to buy Expedia for TD travel items Then your return is going to be on this card return, which is one point five cents per dollar And then if you're using In travel purchases made by phone For Expedia for TD. So this is via online. You're doing you know online by yourself and here You're doing this over the phone. Then you're going to get two TD reward points, which gives you one cent per Dollar so again one percent return and then two TD points for each dollar if you do purchase in grocery Up to a maximum five thousand dollars Annually and then you get two points per dollar if you're doing in restaurant purchases and then That's going to give you one percent return so for grocery restaurant Purchases you're gonna get two points per dollar, which is going to be one percent return and This is Something to do with TD's own account I'm not going to go into these because you know, I'm going to assume that most people are going to be using for these Grocery and restaurant purchases and this car will actually give you two points for recurring bill payments, which they don't mention here. So your on rate is For this category goes as follow one point per dollar In regular purchases or everything else, which is half set return Or half percent return and then three points per dollar If you're buying Expedia for TD online, so which is one point five percent return and then you're getting two points per dollar If you are buying grocery, I'm sorry if you are buying Expedia for TD, but you're calling the number or if you're like, you know using someone to book it for you So that's going to be lower return two points per dollar and then here you're going to get two points per dollar for some categories which is the grocery restaurant and Recurring bill payments. So that's the way TD reward points work By looking at these rates, these are very poor rate of return You shouldn't have this card for your everyday purchases because you can get better No annual fee cards, which keeps you more points and it doesn't you know force you to use Expedia for TD So for that reason, I do not recommend this card. Now, let's look at the insurance benefits This card offers. So it doesn't have that many insurance benefits It's just a basic card and You can get more insurance benefits from other no annual fee cards So this insurance this TD viewers visa card gives you purchase security and extended warranty protection. So only these two So purchase security is you have 90 days From the purchase of an item and then if anything happens such as physical loss or damage or theft then you know, you'll get the Money back and then the extended warranty protection. It gives you another additional year after the manufacturer warranty expires. So these are the basic Benefits this card is giving giving you and there is a I don't see anything else to talk about here so I'll just Put this here and let's look at our disclosure statement. So here it just tells you like, you know, the initial credit limit and then Interest fee grace period how the calculate interest annual fee and other fee So not much to talk about And on this side, there's just some more like, you know, more information about those things on the other side So I'll set this aside here and let's open up our credit card. So this is the main Letter and where we have our credit card. I'd just like to show you they come in kind of summarize the reward structure here. So Aren't two points on grocery restaurant fast food and recurring bill purchases and They don't mention anything about here. So I already told you we just hear that how the breaker works. So very poor rate It's forcing you to use Xperia for TD and There's not many issues benefits and you can have you can get more from other free credit cards And if you'd like to know about those credit cards, just you know, go through go to my channel and check the viewer set Crater session. I have lots of credit reviews and you'll find some of the credit cards You might need and all of them actually non-affiliated and unbiased and August Okay, so I have the credit card right here. Here is the TD viewers visa credit card So if you like what is it, let's give it a thumbs up and subscribe because there will be more videos coming up And they'll they'll be there'll be more travel videos credit card videos and other product and reviews videos and all of them are unbiased Non-affiliated honest self see you shortly. Thank you