Truly uninspiring, but I actually believe this to be true. It really looks like something TD would come up with on the theory of "what is the minimum we can give and get people to sign up". There was a lot of talk from AP that there would be a suite of cards aimed at different travelers - domestic/transborder etc. All that has gone out of the window. The high end card is pitched like the Scotia Plat which also offer more or less nothing for $399. I have wondered whether anybody actually sign up for that card, and would have the same opinion re the TD card, in fact with their absurd household income limit, they more or less guarantee no takers as I would assume most $200k+ household use Amex as their primary card issuer.