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TD Credit Cards Special Offers
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Annual interest rates, fees and features are current as of January 4, 2023 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.
^ INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER: The Promotional Interest Rate offer ("Promotional Rate") applies to new TD Rewards Visa* Card Accounts ("Account"). This offer is not available customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 months. After your Account is opened, the Promotional Rate of 9.99% 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 the Annual Interest Rate of 19.99% for the Account as stated in your Disclosure Statement on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. 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 the Annual Interest Rate of 20.99% for the Account as stated in your Disclosure Statement on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. 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: 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.
1 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholder Cards on the Account.
2 Limited Time Bonus: Must apply online by May 28, 2023. Limited Time Bonus of 10% in Cash Back Dollars ("Limited Time Bonus Rebate") applies to new TD Cash Back Visa Infinite* Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $2000 ("Limited Time Bonus Cap") on all purchases charged to your TD Cash Back Credit Card Account ("Account"), and recurring bill payments set up on your Account ("Pre-Authorized Payments"). Welcome Bonus: Once the Limited Time Bonus Cap is reached, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% ("Welcome Bonus Rebate") up to a total spend of $3,500 ("Welcome Bonus Cap") for the First 3 Months. All other Purchases will earn 1%. Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account.To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by May 29, 2023. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). All other Purchases will earn 1%. Applicability of Limited Time Bonus Rebate and Welcome Bonus Rebate: Limited Time Bonus Rebate and Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. After the $15,000 Cap is reached annually in a Gas Purchases, Grocery Purchases or Pre-Authorized Payments category, all additional spend in the corresponding category will earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn 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 Cash Back Visa Infinite* Account in the last 12 months.
3 Must apply by May 28, 2023. Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. To receive the additional bonus 30,000 Aeroplan points ("Additional Bonus"), you must make $5,500 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 180 days of Account opening. To receive the 15,000 Aeroplan points Anniversary bonus ("Anniversary Bonus") your account must have been opened for 12 months and you must make $7,500 in net Purchases (less any returns and credits) on your Account, including your first Purchase within 365 days of Account opening. Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder ("Primary Cardholder Annual Fee Rebate"), you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder first -year annual fee rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account by May 29, 2023. The applicable Annual Fee Rebates will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 Accounts opened by one person, and the number of Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points. 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 points, Additional Bonus points and the Anniversary Bonus points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points to be credited to your Aeroplan Member account.
4 Must apply by May 28, 2023. Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite Privilege * Card Account (“Account”) only after the first Purchase is made on the Account. To receive the additional bonus 10,000 Aeroplan points ("Additional Bonus"), you 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. Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder ("Primary Cardholder Annual Fee Rebate"), you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder first-year annual fee rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account by May 29, 2023. The applicable Annual Fee Rebates will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 Accounts opened by one person, and the number of Welcome Bonus points and Additional Bonus points 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 points and Additional Bonus points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus points and Additional Bonus points to be credited to your Aeroplan Member account..
5 Must apply by May 28, 2023. Welcome Bonus of 20,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite Privilege* Card Account (“Account”) only after the first Purchase is made on the Account. To receive the additional bonus 60,000 Aeroplan points ("Additional Bonus"), you must make $7,500 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 180 days of Account opening. To receive the 35,000 Aeroplan points Anniversary bonus ("Anniversary Bonus") your Account must have been opened and active for 12 months and you must make $12,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase within 365 days of Account opening. 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 Accounts opened by one person, and the number of Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points. 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 points, Additional Bonus points and the Anniversary Bonus points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus points and Monthly Bonus points to be credited to your Aeroplan Member account.
6 Must apply by May 28, 2023. Welcome Bonus of 20,000 TD Rewards Points ("Welcome Bonus") will be awarded to the TD First Class Travel® Visa Infinite* ("Account") only after the first Purchase is made on the Account. To receive the additional 115,000 TD Rewards Points ("Additional Bonus"), you must make $5,000 in Purchases on your Account, including your first Purchase, within 180 days of Account opening. Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate, you must add your first Additional Cardholder by May 29, 2023. Annual Fee Rebates will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 available customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 6 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.
7 Must apply by May 28, 2023. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa* ("Account") only after the first Purchase is made on the Account. To receive the additional 35,000 TD Rewards Points, you must make $1,000 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by May 29, 2023. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 available customers who have activated and/or closed a TD Platinum Travel Visa* Account in the last 6 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.
8 Must apply by May 28, 2023. To receive 15,152 Bonus TD Rewards Points awarded to the TD Rewards Account associated with the TD Rewards Visa* ("Account"), you must keep your Account open, active and in good standing for 90 days after Account opening. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. Your Account must be in good standing at the time the Welcome Bonus TD Rewards 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. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 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.
9 Up to $370 in value is calculated as follows: 1) 50,000 TD Rewards Points = $250 in value + 2) Annual Fee Rebate for the Primary and 1st Additional Cardholder = $120 in value
- In accordance with legal disclaimer 1) above, a customer is eligible to earn up to 50,000 TD Rewards Points. Every 200 TD Rewards Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Rewards Points increments. A $250 value on ExpediaForTD.com.
- In accordance with legal disclaimer 2) above, a customer is eligible to receive a first-year annual fee rebate for the Primary Cardholder valued at $89. By adding an Additional Cardholder to the account and receiving a first-year annual fee rebate, the cardholder receives an additional value of $35. A total value of approximately $120.
10 1TD 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 points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD points 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, visit https://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.
* Trademark of Visa International Service Association and used under license.
See Air Canada and Aeroplan trade-mark ownership details.
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Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.
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