Annual interest rates, fees and features are current as of March 7, 2022 unless otherwise indicated and subject to change.All trade-marks are the property of their respective owners. For trade-mark ownership details, see www.tdcanadatrust.com/aeroplancards
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 Limited Time Bonus: Must apply online by September 5, 2022. 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 September 6, 2022. 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 customers who have activated and/or closed a TD Cash Back Visa Infinite* Account in the last 12 months.
2 Must apply by May 29, 2022. Welcome Bonus of 20,000 TD 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 Points ("Additional Bonus"), you must make $1,500 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 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 30, 2022. 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 Points awarded to any one person.
^ INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:
The Promotional Interest Rate offer ("Promotional Rate") applies to new TD First Class Travel® Visa Infinite*Card Accounts ("Account"). This offer is not available to customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 6 months. After your Account is opened, the Promotional Rate of 0.00% applies to select Travel Purchases ("Travel Purchases") for the first 6 statement periods following the Account opening ("Promotional Rate Period"). Merchant Category Codes: For Purchases to be considered Travel Purchases, they must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the travel category. Some merchants may sell travel services or products, or have separate merchants located on their premises that also travel services or products but may not be classified with a travel category MCC and such Purchases will not qualify for the Promotional Rate. MCC Categories included are; MCC's 3000 – 3302, 3351 – 3441, 3501 - 3838, 4411, 4511, 4582, 4761, 4722, 7011, 7512. 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 Travel 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 Travel Purchases will increase, and the remaining balance of the Travel 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
3Must apply online by September 5, 2022. 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 20,000 Aeroplan points ("Additional Bonus"), you must make $1,500 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 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. 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, 2022. 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 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.
5 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
| Examples of Interest Charges for a 30-Day Billing Cycle |
|---|
| Annual Interest Rate | Average Daily Balance |
| $100 | $200 | $1,000 |
| Purchases | 20.99% | $1.73 | $3.45 | $17.25 |
| Cash Advances | 20.99% | $1.73 | $3.45 | $17.25 |
| Purchases - Default Rate | 25.99% | $2.14 | $4.27 | $21.36 |
| Cash Advances - Default Rate | 27.99% | $2.30 | $4.60 | $23.01 |
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