Annual interest rates, fees and features are current as of May 30, 2022 unless otherwise indicated and subject to change.
1 As of June 2, 2022, TD Prime was 3.70% so preferred rates range from 9.2% to 17.45%. Preferred variable annual interest rate is TD Prime rate (TD Prime) +5.50%, TD Prime +7.25%, TD Prime +9.75%, TD Prime +11.25%, TD Prime + 12.75%, TD Prime +13.75% 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 25.99% 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 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges for TD Emerald Flex Card
| Examples of Interest Charges for a 30-Day Billing Cycle |
|---|
| Annual Interest Rate | Average Daily Balance |
| $100 | $200 | $1,000 |
| Purchases and Cash Advances(Tier 1) | TD Prime +13.75% | $1.33 | $2.66 | $13.32 |
| Purchases and Cash Advances(Tier 2) | TD Prime +12.75% | $1.25 | $2.50 | $12.49 |
| Purchases and Cash Advances(Tier 3) | TD Prime +11.25% | $1.13 | $2.25 | $11.26 |
| Purchases and Cash Advances(Tier 4) | TD Prime +9.75% | $1 | $2.01 | $10.03 |
| Purchases and Cash Advances(Tier 5) | TD Prime +7.25% | $0.80 | $1.59 | $7.97 |
| Purchases and Cash Advances(Tier 6) | TD Prime +5.5% | $0.65 | $1.31 | $6.53 |
| Purchases - Default Rate | 25.99% | $2.14 | $4.27 | $21.36 |
| Cash Advances - Default Rate | 27.99% | $2.30 | $4.60 | $23.01 |
^ As of June 2, 2022, TD Prime was 3.70% so preferred rates range from 9.2% to 17.45%.
3 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. 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 enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941 , or visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Travel Medical Insurance that is automatically included with other TD Credit Cards.
4 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.tdcanadatrust.com . Note that this optional insurance offers different benefits, on different terms and conditions, then the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.
5 Please visit http://www.apple.com/ca/apple-pay/ for a complete list of Apple Pay-compatible devices and https://www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.
6 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/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.
7 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 is based on time and kilometre/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
8 TD Auto Club 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.
9 Cash Advance is subject to available credit. Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.
10 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.
11Link with Starbucks Rewards Offer & Privacy TermsLink with Starbucks Rewards Offer:
- The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card with Visa Debit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa Debit: for more information about transactions and a complete list of account fees, Account and Other Related Service Fees (PDF). For information on our general services, please view our General List of Services (PDF).
- The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at www.starbucks.ca/terms (“Starbucks Rewards Terms of Use”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
- The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, "Starbucks"), and allows customers to earn stars (“Stars”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “Reward” and collectively “Rewards”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.
Linking to the Offer:- You can only access this Offer in My TD Rewards which is available through your TD EasyWeb Account and/or a TD mobile app account.
- There is no fee to participate in the Offer.
- When you link eligible TD Credit Cards and TD Access Cards with Visa Debit to your Starbucks Rewards account in My TD Rewards, you opt-into the Offer.
- If you de-link from this Offer in My TD Rewards, you opt-out of the Offer and you will no longer participate in the Offer. You can opt-out of this Offer at any time. To opt-out of the Offer by de-linking, follow the instructions in My TD Rewards.
- While you are opted into the Offer, and as long as you meet all requirements of the terms of this Offer, you will (as applicable):
- earn bonus Stars with your eligible TD Credit Card or your TD Access Card with Visa Debit (bonus Stars),
- for certain eligible TD Credit Cards, you can earn bonus TD points, or Aeroplan points, as applicable for your TD Credit Card (bonus points),
- For select TD Credit Cards, you can redeem your TD points for Stars
Eligible TD accounts:- Only TD Access Cards with Visa Debit can participate in the Offer.
- The following TD Credit Cards are eligible TD Credit Cards that can participate in this Offer:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card
- TD Aeroplan Visa Platinum Card, TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Aeroplan Visa Business Card
- TD Cash Back Visa Card, TD Cash Back Visa Infinite Card, TD Business Cash Back Visa Card
- TD Emerald Flex Rate Visa Card, TD Business Select Rate Visa Card
- TD Green Visa Card, TD Venture Visa Card
Participation in the Offer:- For eligible TD Credit Cards Accounts, both the Primary Cardholder and any Additional Cardholder can participate.
- For TD Access Card with Visa Debit, any account holder on the same account can participate.
- You must be a member of the Starbucks Rewards program.
- You must keep your eligible TD Credit Card or your TD Access Card with Visa Debit open, active and in Good Standing.
Eligible Purchases:- For the purpose of this Offer, Eligible Purchases means the following:
- Any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards (“Starbucks Cards”), at Participating Starbucks Stores (as defined below); and
- Adding funds to the Starbucks Card(s) registered to your Starbucks Rewards account (“Reload”) using an eligible TD Credit Card, or using a TD Access Card with Visa Debit, as applicable. To learn more about registering your Starbucks Card to your account, visit Starbucks.ca/rewards.
Participating Starbucks Stores:- Participating Starbucks Stores are Starbucks locations in Canada that honor Starbucks Rewards. To locate stores that honor Starbucks Rewards, visit www.starbucks.ca/store-locator and look for stores that list “ Redeem Rewards” as one of the store amenities.
Earning bonus Stars:- First: You must link your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account in My TD Rewards.
- Second: Add your eligible TD Credit Card or your TD Access Card with Visa Debit as a linked method of payment within the Starbucks app, and then use it to order ahead or pay at the register for an Eligible Purchase at a Participating Starbucks Store. To learn more about adding your TD Credit Card or your TD Access Card with Visa Debit as your payment method to the Starbucks app, visit Starbucks.ca/rewards
- You can also earn bonus Stars when you Reload your Starbucks Card using your eligible TD Credit Card, or your TD Access Card with Visa Debit linked to this Offer.
- Here is a chart that sets out how many bonus Stars you will earn with this Offer when you meet the terms of this Offer:
| Reloading your Starbucks Card | 1 Star for every $1.00 Canadian Dollar spent when you Reload your registered Starbucks Card using your linked eligible TD Credit Card or your TD Access Card with Visa Debit. |
| Making an Eligible Purchase through the Starbucks app: | 0.50 Star for every $1.00 Canadian Dollar spent when you add your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account and use it to pay through the Starbucks app (either by scanning it in person at the register or ordering ahead via mobile order and pay). To learn more about adding your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account, visit Starbucks.ca/rewards. |
- You can check your Star balance and available Rewards, as well as any additional benefits for which you are eligible as a Starbucks Rewards member, on Starbucks.ca/rewards or by using the Starbucks app.
- If you would like to report an error for your Stars earned under this Offer, you must contact Starbucks using the information stated below under "Additional Terms".
Earning bonus points:- When you meet the terms set out in this Offer, select eligible TD Credit Cards (set out below) can earn bonus points on Eligible Purchases. TD Access Cards with Visa Debit do not earn bonus points.
- The number of bonus points that you can earn will depend on the type of eligible TD Credit Card you have. The bonus points you earn under this Offer are in addition to regular points you can earn under the rewards program connected to your eligible TD Credit Card.
- You can only earn bonus points on the net Eligible Purchases charged and posted to the Account. This means that credits for refunds, returned items and other similar credits for Purchases may reduce or cancel the bonus points earned.
- The select eligible TD Credit Card listed below can earn bonus points under this Offer:
| TD Rewards Visa Card | 1 TD point for every $1.00 in Eligible Purchases |
| TD Platinum Travel Visa Card | 1 TD point for every $1.00 in Eligible Purchases |
| TD First Class Travel Visa Infinite Card | 1.50 TD points for every $1.00 in Eligible Purchases |
| TD Aeroplan Visa Platinum Card | 0.50 Aeroplan point for every $1.50 in Eligible Purchases |
| TD Aeroplan Visa Infinite Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
| TD Aeroplan Visa Infinite Privilege Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
| TD Business Travel Visa Card | 3 TD points for every $1.00 in Eligible Purchases |
| TD Aeroplan Visa Business Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
- The way we will show you the number of bonus points you have earned with this Offer will depend on the type of TD Credit Card you have:
- For TD Aeroplan Credit Cards: We will show you the number of Aeroplan points you have earned with your TD Credit Card in a particular statement period on the Account’s monthly statement. Your bonus points earned under this Offer will be included in your total points balance shown on your Account's monthly statement. Once the Aeroplan points are awarded to the Aeroplan Member Account, you can check your Aeroplan points balance directly with Aeroplan. If you would like to know about the bonus points earned under this Offer, you can contact us using the information provided below.
- For TD Rewards Credit Cards: you can see number of bonus TD points you have earned with this Offer in both TDrewards.com and My TD Rewards in real-time. You can also review your total TD points balance in your Account's monthly statement.
Redeeming TD points for Stars:- The following eligible TD Credit Cards can redeem TD points for Stars:
- TD Rewards Visa Card, TD Platinum Travel Visa Card, TD First Class Travel Visa Card, TD Business Travel Visa Card.
- To redeem your TD points for Stars:
- Your eligible TD Credit Card linked to this Offer must be open, active and in Good Standing.
- Your Starbucks Rewards account must be open and active.
- You must link your eligible TD Credit Card to your Starbucks Rewards account in My TD Rewards.
- Either the Primary Cardholder or any Additional Cardholder can instruct us to redeem TD points for Stars in My TD Rewards in one of the following manners:
| One Time Redemption | Redeem your TD points at any time for Stars in My TD Rewards as long as the eligible TD Credit Card Account linked to this Offer has a minimum of 700 TD points. |
| Auto-redemption: | - You can tell us in My TD Rewards to automatically redeem your TD points by the date, frequency, and the number of TD points you specify.
- When you select this option, we will automatically review your instructions on a daily basis (business day only) and process your redemption when it applies.
- If you want to modify or cancel this option, we will process the modification or cancellation on the same business day if submitted before 11pm Eastern Standard Time (EST), or it will be completed the following business day.
|
- No matter which redemption option you select, we cannot reverse a redemption once the TD points are redeemed. We process your redemption request under this Offer in real-time.
- The Primary Cardholder or any Additional Cardholder can redeem TD points for Stars. We will rely on the first set of instructions we receive either from the Primary Cardholder or an Additional Cardholder to redeem TD points for Stars with this Offer. Our electronic time-keeping methods will be definitive in determining the time and date of receipt by us of any redemption instructions.
Additional Terms:- My TD Rewards is located online in EasyWeb and in the TD mobile app. We may create new ways for you to access My TD Rewards or we may change where you can access My TD Rewards.
- This Offer may be changed, extended, or withdrawn at any time without notice. If we provide notice, we will provide it using electronic means.
- We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in Good Standing.
- Starbucks may also restrict, cancel, or terminate any person or cardholder’s ability to participate in the Offer and such restriction, cancelation or termination may be with or without notice.
- This Offer will be in addition to any other offers available for the eligible TD Credit Cards and TD Access Cards with Visa Debit.
- We are not responsible for the Starbucks Rewards program, or the terms that govern the Starbucks Rewards program, including the expiry or cancellation of Stars, redemption conditions, benefits, features, or services of the Starbucks Rewards program, and its availability, cancellation or termination. This also includes no responsibility for the services supplied under the Starbucks Rewards program, or for any actions or omissions. We will not accept any responsibility for any loss or damages caused by goods or services supplied or requested in connection with the Starbucks Rewards program.
- Starbucks is not liable or responsible for My TD Rewards, the terms that govern your TD Access Cards with Visa Debit card, or terms that govern the eligible TD Credit Cards (including the applicable reward program term and condition linked to the eligible TD Credit Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.
Privacy: By choosing to participate and link an eligible TD Visa Card or TD Visa Access Card with Visa Debit, you agree TD may disclose information about your transactions as well as TD and Starbucks Rewards to Starbucks Stars in order to administer the Offer. This includes information about your TD and Starbucks Rewards memberships and balances, the time and amount of a transaction, how a transaction was completed, and any rewards points you transfer.
Any information you provide directly to TD or that TD obtains about you as a TD Bank customer or participant in the Offer will be governed by TD's
Privacy Agreement.
Any information you provide directly to Starbucks or that Starbucks obtains about you as a Starbucks customer or participant in the Offer will be governed by Starbucks’
Privacy Notice.
Contact:- To contact us, use one of the following methods:
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
* Trademark of Visa International Service Association; Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
*Trademark of Visa International Service Association and used under license.
All trade-marks are the property of their respective owners.
®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
The Click to Pay icon (
) is a trademark owned by and used with permission of EMVCo, LLC.
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