Annual interest rates, fees and features are current as of December 6, 2021 unless otherwise indicated and subject to change.
The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.
1 As of March 30, 2020, TD Prime was 2.45% so preferred rates range from 6.95% to 15.20%. Preferred variable annual interest rate is TD Prime + one of the following six fixed rate tiers: 4.50%; 6.25%; 8.75%; 10.25%; 11.75%; 12.75%, depending on your credit assessment. Visit https://www.tdcanadatrust.com/customer-service/todays-rates/td-prime/prime-rate.jsp for current TD Prime. Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.
2 Must apply by March 6, 2022. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Primary Business Cardholder of the TD® Aeroplan® Visa* Business Card Account only after the first Purchase is made on the Account. The “Primary Business Cardholder” means the individual who is issued the TD Aeroplan Visa Business Card with an Annual Fee of $149. To receive the bonus Buddy Pass, the Primary Business Cardholder must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. To receive the 2x the TD Aeroplan Points, up to an additional 20,000 Aeroplan Points, the Primary Cardholder must apply for a $149 Account between December 6, 2021 and March 6, 2022. For the first 90 days following Account approval, the Primary Business Cardholder will earn 4 points for each $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®; 3 points for every $1 spent on eligible purchases for travel, dining and select business categories such as shipping, internet, cable and phone services made on the Card, and 2 points for every $1 spent on all other eligible purchases. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Points earned on the original Purchase. Once the 2x the TD Aeroplan Points cap is reached, any further Purchases made in the first 3 months will earn Aeroplan Points at the regular 2 points for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®; 1.5 points for every $1 spent on eligible purchases for travel, dining and select business categories such as shipping, internet, cable and phone services, and 1 point for every $1 spent on all other eligible purchases on the Primary Business Card. The Primary Business Cardholder's Account will automatically be eligible to receive a one-time statement credit of $10 upon registration for E-Statements within the first 3 months of account opening.
The Annual Fee rebate portion of the offer is applicable for the first year only, for the (i) Primary Business Cardholder, and the (ii) first 2 Additional Cards issued for the same business if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued for the same business if any, is for the first year only. Must apply between December 6, 2021 and March 6, 2022. The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within 2 monthly statements from the date of the charge. The full Annual Fee will be charged to the Primary Business Cardholder Account and the Additional Accounts (if applicable), after the first year.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and bonus Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points, and the 2x TD Aeroplan Points and the bonus Buddy Pass are awarded. Please allow up to 10 - 14 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, the 2x TD Aeroplan Points and the bonus Buddy Pass to be credited to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business.
3 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.
4INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:
The Promotional Interest Rate offer ("Promotional Rate") applies to new TD Emerald Flex Rate Visa* Card Accounts ("Account"). This offer is not available to customers who have activated and/or closed a TD Emerald Flex Rate Visa* Account in the last 6 months. After your Account is opened, the Promotional Rate of 6.49% applies to Purchases for the first 6 statement periods following the Account opening ("Promotional Rate Period"). The Promotional Rate does not apply to any Cash Advances. For Residents outside of Quebec: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to your annual interest rate of TD Prime + one of the following six fixed rate tiers: 4.50%; 6.25%; 8.75%; 10.25%; 11.75%; 12.75%. The fixed tier that applies to your Account will depend on your credit assessment and will be set out in your Disclosure Statement. The rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. Visit www.td.com/tdprime for current TD Prime rate. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 24.99%. For Quebec Residents only: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to your annual interest rate of TD Prime + one of the following six fixed rate tiers: 5.50%; 7.25%; 9.75%; 11.25%; 12.75%; 13.75%. The fixed tier that applies to your Account will depend on your credit assessment and will be set out in your Disclosure Statement. The rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. Visit www.td.com/tdprime for current TD Prime rate. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 25.99%. For all Accounts: In addition to missing your minimum payments on time as described in these terms and conditions, if you transfer your Account to a different TD Credit Card during the Promotional Rate Period, the Promotional Rate will no longer apply to the TD Credit Card to which you are transferring. Other conditions apply, see your Cardholder Agreement and Disclosure Statement for information about Promotional Offers. Offer may be changed, extended or withdrawn at any time, without notice.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
All trade-marks are the property of their respective owners.
* Trademark of Visa International Service Association and used under license.
See Air Canada and Aeroplan trade-mark ownership details.
®Aeroplan and the Aeroplan logo are registered trademarks of Aeroplan Inc.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank
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