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Annual interest rates, fees and features are current as of May 29, 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.
1 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.
2 Limited Time Bonus: Must apply online by September 5, 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 of $200 Cash Back Dollars earned on a 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 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.
Welcome Bonus: Once the Limited Time Bonus Cap is reached, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% in Cash Back Dollars ("Welcome Bonus Rebate") up to a total spend of $3,500 ("Welcome Bonus Cap") for the First 3 Months. Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn the regular accelerated 3% in Cash Back Dollars 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% in Cash Back Dollars. 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 Limited Time Bonus Rebate and the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable.
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: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the first 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 first Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by September 6th, 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. Welcome Bonus 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 customers who have activated and/or closed a TD Cash Back Visa Infinite Account in the last 12 months.
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
3 Must apply by September 5, 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 40,000 Aeroplan points ("Additional Bonus"), you must make $5,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 180 days of Account opening. To receive the 20,000 Aeroplan points Anniversary bonus ("Anniversary Bonus") your Account must have been opened and active 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. 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.
^ Offer ends September 5, 2023. The value up to $1,600 could be earned in the first year of Account opening and is based on the combined total value of:
- $120: Based on first checked bags for two people, on a round-trip flight in the first year;
- $134: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.34 USD as of February 1, 2023 ($50 USD = $67 CAD for each cardholder);
- $1,400: 70,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card
- Additional Bonus of 40,000 Aeroplan Points earned when you spend $5,000 within 180 days of Account opening
- Anniversary Bonus of 20,000 Aeroplan Points earned when you spend $7,500 and Account has been opened for 12 months
Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023.
4 Must apply by September 5, 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 September 6, 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..
# Offer ends September 5, 2023. The value up to $500 could be earned in the first year of Account opening and is based on the combined total value of:
- $124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;
- $400: 20,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card
- Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,000 within 90 days of Account opening
Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023.
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
5 Must apply by September 5, 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.
* Offer ends September 5, 2023. The value up to $3,100 could be earned in the first year of Account opening and is based on the combined total value of:
- $120: Based on first checked bags for two people, on a round-trip flight in the first year;
- $134: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.34 USD as of February 1, 2023 ($50 USD = $67 CAD for each cardholder)
- $550: Unlimited Maple Leaf Lounge access in North America based on annual membership cost, based on average published rate for Maple Leaf Lounge entry;
- $25: Primary Cardholder and Additional Cardholder(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge and Air Canada Café through December 31, 2023. Any guest entering a Maple Leaf Lounge and Air Canada Café must be accompanied by a Primary Cardholder or Additional Cardholder;
- $2,300: 115,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 20,000 Aeroplan Points earned when you make your first purchase with your card
- Additional Bonus of 60,000 Aeroplan Points earned when you spend $7,500 within 180 days of Account opening
- Anniversary Bonus of 35,000 Aeroplan Points earned when you spend $12,000 and Account has been opened for 12 months
Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023.
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
6 Must apply by September 5, 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 80,000 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 first 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 first Additional Cardholder Annual Fee Rebate, you must add your first Additional Cardholder by September 6, 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 (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 First Class Travel® Visa Infinite* 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.
7 Must apply by September 5, 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 ("Additional Bonus"), 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 first 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 first Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by September 6, 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 (excluding Quebec), 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 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.
8 Must apply by September 5, 2023. To receive 19,697 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 (excluding Quebec) 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 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.
9 Offer ends September 5, 2023. The value of up to $370 could be earned in the first year of Account opening and is based on the combined value of:
- $124: Annual Fee Rebate for the Primary ($89) and first Additional Cardholder ($35) for the first year;
- $250: 50,000 TD Rewards Points earned based on the following requirements:
- Welcome Bonus of 15,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $75;
- Additional Bonus of 35,000 TD Rewards Points earned when you spend $1,000 within 90 days of Account opening (travel value at Expedia For TD of $175;
Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.
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 Rewards points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards 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.
11 Offer ends September 5, 2023. The value of up to $800 could be earned in the first year of Account opening and is based on the combined value of:
- $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
- $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
- $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
- $500: 100,000 TD Rewards Points earned based on the following requirements:
- Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
- Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);
Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.
* Trademark of Visa International Service Association and used under license.
See Air Canada and Aeroplan trade-mark ownership details.
All trade-marks are the property of their respective owners.
®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.