Annual interest rates, fees and features are current as of January 20, 2020, unless otherwise indicated, and are subject to change.
1 The business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.
2 Earn 2% in Cash Back Dollars (“Gas Rebate”) for each $1.00 in Purchases of gas or gas station services or products (“Gas Purchases”) charged to your TD Business Cash Back Credit Card Account (“Account”) and earn 2% in Cash Back Dollars (“Office Supply Rebate”) for each $1.00 in Purchases of office supply purchases (“Office Supply Purchases”) charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchases or Office Supply Purchases, as applicable. $15,000 Cap: Each of the Gas Rebate and the Office Supply Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached for either Gas Purchases or Office Supply Purchases, then any further Gas Purchases and Office Supply Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“Standard Rebate”). Applicability of Gas Rebate and Office Supply Rebate: Each of the Gas Rebate and the Office Supply Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Office Supply Rebate, the Gas Purchases and/or Office Supply Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas” or “office supply” category. Some merchants may sell gas or gas station services or products, or office supply items, or have separate merchants located on their premises that also sell gas or gas station services or products, or office supply items, but may not be classified with a gas or office supply MCC and such Purchases will not earn the Gas Rebate or office supply Rebate, as applicable. 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 Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
3 Earn 2% in Cash Back Dollars (“PAP Rebate”) on each $1.00 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 Business Cash Back Credit Card Account (“Account”) and that are classified through the Visa network as “recurring payments” (“Pre-Authorized Payments”). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement (“Standard Rebate”). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
4 Earn 0.5% in Cash Back Dollars (“Standard Rebate”) on each $1.00 for all other Purchases (“Other Purchases”) charged to your TD Business Cash Back Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
5 Underwritten 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.
6 Account must be open and in good standing to earn and redeem Cash Back Dollars. Cash Back Dollars earned will be automatically credited by us and applied to the account balance on an annual basis. The annual earnings period will start from when the Card is first used to make Purchases until the Account’s November billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s December billing cycle for a 12-month period “Annual Period”.
7 The Visa SavingsEdge Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.
8 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and 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.
9 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and 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 Budget Rent A Car System, Inc.
10 Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Balance Transfer is made.
11 All TD Canada Trust customers, including TD Credit Cardholders, are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting approval. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrolment. Travel Medical Insurance can be purchased by calling 1-800-293-4941 or visiting www.td.com. Note that this optional insurance offers different benefits, on different terms and conditions, than the Travel Medical Insurance that is automatically included with other TD Credit Cards.
12 All TD Canada Trust customers, including TD Credit Cardholders, are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting www.td.com. Note that this optional insurance offers different benefits, on different terms and conditions, than the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.
13 TD Auto Club is provided by AXA Assistance Canada Inc., an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
14 Detailed management reports are provided only for months in which there is Account activity. Reports are optional and available at no additional charge.
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