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Discover your TD U.S. Dollar Visa* Card

To save or print a copy of this guide, download the PDF.

Welcome to your new TD U.S. Dollar Visa* Card

Quick steps for getting started and making the most of your Card

  1. Activate your TD U.S. Dollar Visa* Card simply by calling the number on the sticker found on your new Card, then follow the prompts.

  2. Access the PIN assigned to your Card by calling 1-800-983-8472 to hear your assigned PIN or to change your assigned PIN over the phone.

  3. Register for EasyWeb Online Banking to access and manage your Account online and sign up for online statements or, if you prefer to bank by phone, call EasyLine® telephone banking at 1-866-222-3456.

  4. Learn how to add your Card to Apple Pay or Samsung Pay to make convenient, everyday payments with just a tap of your phone.

  5. Download the TD app to view your Credit Card Account almost anywhere. Plus, you can bank at home, or on the go. Learn More.

Enjoy the value and convenience of:

  1. Making purchases in U.S. dollars and getting billed in U.S. dollars

  2. Paying your Account in U.S. dollars, so you always know exactly how much you’ve spent

  3. Avoiding the standard 2.5% Foreign Exchange Conversion Fee when using your Card in the U.S

  4. Your statement reflects the exact cost of your U.S. dollar purchases, so you no longer have to calculate exchange rates.

Add Additional Cardholders

Add up to three Additional Cardholders1 (no Annual Fee) to your Account (no additional credit approval required) and they will share the same purchasing convenience of the TD U.S. Dollar Visa* Card that you have.

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates2,3 in Canada and the U.S., and a minimum of 5% on the lowest available base rates2,3 internationally, on qualifying car rentals at participating Avis and Budget locations.

  • Avis: You can reserve your Avis car rental by visiting avis.com/tdcreditcards. Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation and charge the full rental to your TD U.S. Dollar Visa* Card
  • Budget: You can reserve your Budget car rental by visiting budget.com/tdcreditcards. Quote Budget Customer Discount (BCD) #A331700 at time of reservation and charge the full rental to your TD U.S. Dollar Visa* Card

Explore the insurance coverages available with your TD U.S. Dollar Visa* Card

Get to know the suite of insurance benefits that are included with your TD U.S. Dollar Visa* Card below.

  • Trip Interruption Insurance4
    Purchase at least 75% of your trip on your Card, and you’ll automatically be covered for Trip Interruption, which includes coverage if you need to come home early due to a covered medical cause. You will receive up to $5,000 per covered person, to a maximum of $25,000, for all covered persons on that trip.
  • Common Carrier Travel Accident Insurance5
    Purchase your full fare with your Card and you, your spouse and dependent children will be insured for up to $500,000 in case of an injury due to an accident while travelling on a common carrier (for example, a bus, ferry, plane, or train).
  • Delayed and Lost Baggage Insurance6
    If your baggage is delayed more than 6 hours, each covered person is covered for emergency purchases of essentials such as clothes and toiletries. Coverage is also provided if your baggage is lost by a Common Carrier. The total benefits payable in respect of both delayed and lost baggage are subject to a maximum of $1,000 per covered person per trip.
  • Auto Rental Collision/ Loss Damage Insurance7
    Simply use your Card to pay for the full cost of a car rental, and get the Collision Damage Waiver coverage at no additional cost for up to 48 consecutive days. Please note, some rental agencies may require you to buy the CDW coverage from them. It is important to contact the rental agency before reserving a car to verify their policies.

Purchase Security and Extended Warranty Protection8

You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card:

  1. Repair, replacement or reimbursement, should eligible items be lost, stolen or damaged within 90 days of purchase

  2. Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer's warranty valid in Canada

Enhance your TD U.S. Dollars Visa* Card with optional benefits

When you're travelling, the last thing you want to worry about is your emergency medical coverage. As a TD U.S. Dollar Visa* Cardholder, you have the option to purchase TD Travel Medical Insurance. You'll enjoy:

  1. Comprehensive emergency medical coverage up to $5 Million, if eligible, for when you are travelling outside of your province or territory, whether internationally or within Canada

  2. No out-of-pocket costs for eligible emergency medical expenses

  3. 24/7 emergency medical assistance

For information about Travel Medical Insurance, or to enroll, click here or call 1-800-293-4941.

Enjoy the convenience of your TD U.S. Dollar Visa* Card

Discover all the features that make using your Card more convenient every day, from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

  1. If your TD Credit Card is damaged or not working, you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at 1-800-983-8472.

  2. If your TD Credit Card has been lost or stolen, you must immediately report this to us by phone at: 1-800-983-8472.

  3. Fast, reliable access to cash You can ask for an emergency Cash Advance of up to $5000 in emergency funds (subject to your available credit limit), at over one million ATMs worldwide, at all TD Canada Trust branches and at select financial institutions around the world.

  4. Getting information when you need it The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

Ways to Pay

These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for your everyday purchases.


Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.


Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay  icon where Visa is accepted

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.


Manage your Account, your way


Emergency Travel Assistance Services11

Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

  • Translation services in the event of an emergency situation
  • Lost document and ticket replacement
  • Emergency Cash Transfer in the event of a theft, loss or emergency. Our Administrator can assist you to obtain a Cash Advance which will be charged to your Account.

In Canada and the U.S. call 1-800-871-8334. In Other Countries call collect 416-977-8297.

Travelling soon? Here are some helpful travel tips.


Travel Tip #1: Travel with confidence

If you are travelling and plan to use your TD Credit Card, you do not need to tell us in advance that you’ll be away from home. Our fraud detection systems can now better detect suspicious and potentially fraudulent transactions whether or not you are away from home.

While you are travelling, you can reach us anytime should you have concerns relating to your TD Credit Card Account or transactions. Simply call us at 1-800-983-8472 (in North America) or call collect at 416-307-7722 (outside North America).

In general, it is a good practice to ensure your contact information on file with us is up-to-date. Simply log in to EasyWeb and go to your Profile and Settings or call 1-800-983-8472 to make any needed updates to your information.

Travel Tip #2: Make sure your TD Credit Card is travel ready

If you plan to make Cash Advances from your TD Credit Card Account through an ATM while you are travelling, it’s a good idea to:

  1. Confirm your daily ATM withdrawal limit for your TD Credit Card to ensure you can access the amount you need when you need it. To confirm your current daily ATM withdrawal limit, simply call us at 1-800-983-8472 (North America) or call collect at 416-307-7722 (outside of North America).

  2. It’s also a good idea to ensure that your TD Credit Card PIN number is not longer than four digits, as some ATMs outside of North America may only accept four-digit PINS. If you need to change your PIN for your TD U.S. Dollar Visa* Credit Card, call our automated phone line (IVR) at 1-800-983-8472. You cannot change your PIN for your TD U.S. Dollar Visa* Card at a TD Canada Trust Branch or TD Canada Trust Green Machine (ATM).

  3. It’s important to remember that any Cash Advances made on your TD Credit Card Account are subject to interest charges from the date of the transaction, as well as a Cash Advance transaction fee. See your Cardholder Agreement and Disclosure Statement for complete information on Cash Advances.

Travel Tip #3: Purchasing gas at U.S. pumps using your TD Credit Card

When travelling in the US, if you are purchasing gas and want to pay at the pump with your TD Credit Card, you may be prompted to enter your Zip Code. However, if you live in Canada you won’t have one! Don’t worry – here’s a quick trick that will help you make that purchase at the pump.

Simply take the three digits of your postal code (e.g., K2L 2K4 = 224) and then add two zeros (e.g., 22400) and you will be able to pay at the pump using your TD Credit Card.

Explore your TD U.S. Dollar Visa* Card security and protection

Protecting the security of your Card should always be a priority. That’s why your TD U.S. Dollar Visa* Card comes with features that help protect you when you shop online and in person.

Security Features

  1. Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities including your responsibility to protect your PIN.

  2. Shop with confidence with chip & PIN technology. Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

  3. Lock or unlock your Card. Feel more confident if you misplace your credit card by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

Your TD U.S. Dollar Visa* Card PIN

Change your PIN: Your PIN for your TD U.S. Dollar Visa* Credit Card can only be changed by calling our automated phone line (IVR) at 1-800-983-8472. You cannot change your PIN for your TD U.S. Dollar Visa* Card at a TD Canada Trust Branch or TD Canada Trust Green Machine (ATM).

Hear your assigned PIN: If you forget or do not know your assigned PIN, you can call our automated telephone line (IVR) at 1-800-983-8472 to hear your assigned PIN.

When using your Card in the U.S.:

  • U.S. merchants continue to upgrade to chip & PIN-enabled terminals. However, during this time of transition, when you are at a merchant in the U.S. where PINs are not yet accepted, you will still be able to use your new chip & PIN Card, but you will be asked to sign your receipt
  • Please note that a PIN is required when using your Card at ATMs in the U.S. to make a Cash Advance.
  • When using your Card in Canada:
    Most, if not all, merchants in Canada have chip & PIN-enabled terminals which means you can use your new Card with your PIN at these merchants. Please note that a PIN is required when using your Card at ATMs in Canada to make a Cash Advance.

Additional Security Features and Protection

  • Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday
  • Never write down your PIN.
  • Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
  • Never let anyone else know or use your PIN or use your Card.
  • Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Our protection measures help protect you from credit card fraud. In the event that we detect unusual activity relating to your Account:

  1. You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD U.S. Dollar Visa* Card or Account.

  2. During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

  3. Your Card may be temporarily blocked until we can contact you for verification.


More about your TD U.S. Dollar Visa* Card


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