I did a lot of side by side comparison of Tangerine and TD cards for travel and believe it or not Tangerine did much better. It is on Global Alliance network to avoid most ATM fees but the real kicker is it always got better FX rates than TD's "preferred rate" Similarly you can find better brokerages than TD. They are "banking" on your loyalty and hidden feesI have family in the UK and when I visit there the no charge international ATM is useful, especially as many ATMs in the UK don’t charge a fee for the user. So the primary benefit we use is the Visa. (As well as unlimited transactions and free e transfers but those are available else where).