TD Rewards Visa* Credit Card (2024)

Annual interest rates, fees and features are current as ofJune 4, 2024 unless otherwise indicated and subject to change.

⁺ Account must be approved by January 6, 2025. Welcome Bonus of 15,152 TD Rewards Points ("Welcome Bonus") will be awarded to the TD Rewards Visa ("Account") only after you make $500 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. Your Account must be in Good Standing at the time the Welcome Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.

¹³ 1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption.
These are highlights of the Amazon.ca Shop with Points program for TD Rewardspoints (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewardspoints to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visithttps://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

¹Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

²Earn 4 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”)(“Online Travel Purchases”)and charged to your TD Rewards Visa Card Account(“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

³Earn 3 TD Rewards Points(“Grocery Rebate" & "Restaurant Rebate”)for every $1 in Purchases of groceries or grocery items(“Grocery Purchases”)and for every $1 in Purchases at restaurants including fast food restaurants(“Restaurant Purchases”). Earn 2 TD Rewards Points(“PAP Rebate”)on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa* Card(“Account”)and that are classified through the Visa network as “recurring payments”(“Pre-Authorized Payments”). Rebates are only available to a $5,000 maximum net annual spend(“$5,000 Cap”). $5,000 Cap: Once the $5,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions(“Standard Rebate”). Applicability of Grocery Rebate and Restaurant Rebate:Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.Merchant Category Codes:To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code(“MCC”)that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

⁴Earn 1 TD Rewards Point(“Standard Rebate”)on every $1 on all other Purchases(“Other Purchases”)charged to your TD Rewards Visa Card Account(“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

⁵Expedia For TD is operated by Expedia, Inc. atExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

⁶TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Credit Cardholder Agreement for your Card. We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be deducted from the Cardholder’s TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

⁷Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. 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 trade name of Assurant®.®Assurant is a registered trademark of Assurant, Inc

⁸Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full 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.

⁹Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/ mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC

¹⁰Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre or mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

¹¹TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub.

¹²TD Rewards Points do not expire as long as you are a Cardholder.

¹⁴Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

¹⁵Subject to carrier/space availability.

^#1 As awarded on October 24, 2023, by votes cast in the RewardsCanada.ca Canada’s Choice awards. Learn more by visiting: https://rewardscanada.ca/canadaschoice/

^* Trademark of Visa International Service Association; Used under license.