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Earn cash back dollars. Redeem them to help pay down your account balance11
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1 No transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
2 For more information about transactions and a complete list of account fees, click here for account and other related service fees. For information on our general services, please view our General List of Services.
3 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
The "Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The "Annual Fee Rebate" is:
- Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139.
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
An Unlimited Account provides a maximum of one Annual Fee Rebate. This means:
- If you have an Unlimited Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or,if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible TD Credit Card opened first.
If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
In order to receive an Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an Unlimited Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged.
- At the time the annual fee is charged to your Eligible TD Credit Card, the Unlimited Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of this Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
Interest rates, fees and features are effective as of November 6, 2025, unless otherwise indicated, and are subject to change.
4 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.
Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 1, 2025. Redemption calculation is based on actual flight redemptions made by cardholders between the period of November 8, 2020 – September 1, 2025.
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.
Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to an offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account
5 Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.
Quebec Only:
- Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
- Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
- 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).
- 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.
- 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 |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
6 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.
7 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS program membership application fee (new and renewal), whether or not the applicant is approved for membership in the NEXUS program (each, a "NEXUS Statement Credit"). There is a maximum of four (4) NEXUS Statement Credits available when a qualifying NEXUS program membership application fee is posted to the Account in any given 48-month period and the number of available NEXUS Statement Credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS program membership application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS program membership application fee is posted to the Account. To be eligible for the NEXUS Statement Credit, the Account must be in good standing at the time the NEXUS program membership application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not involved with or responsible for the NEXUS program.
8 Earn 1% in Cash Back Dollars on Purchases you make on your TD Cash Back Visa Card ("Account") at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments"). The Cash Back Dollar earn rate for the following purchase categories: (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases is only available on the first $5,000 in annual Purchases in that category ("Annual Cap"). If your total Purchases in one of these categories (i) through (iv) exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in that category for the remainder of the year. If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
9 Earn 0.5% in Cash Back Dollars ("Base Earn Rate") on all other Purchases that do not fall into any other Purchase category identified in the TD Cash Back Program Terms and Conditions ("Other Purchases") charged to your TD Cash Back Visa Card ("Account").
10 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.
11 Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time must be for a minimum amount of $25, unless otherwise stated. Cash Back Dollars will continue to accrue until redemption instructions are provided. For more details on how to redeem Cash Back Dollars, please see the "TD Cash Back Program Terms and Conditions" available at td.com/agreements.
Interac e-Transfer® is a registered trade-mark of Interac Corp. Used under licence
TD New to Bank Offer (Terms and Conditions)
Calculating up to $750 in value
§ Up to $750 in value is calculated as follows: Offer 1) $500 cash + Offer 2) $150 cash + Offer 3) an estimated value of $100.00 in bonus interest. The estimated interest amount is based on a $10,139 daily closing balance earning the Bonus Savings Interest Rate during the 90-day Bonus Rate period. Actual Bonus Interest earned may be higher or lower depending on the balance size and account activity.
Offer 1) Earn $500 in cash when you open a new TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("New Chequing Account") by March 3, 2026 and complete the qualifying criteria described in the Offer 1 - Chequing Account Offer: $500 Cash section.
Offer 2) Earn $150 in cash when a New Chequing Account customer opens a new TD Every Day Savings Account, TD GrowthTM Savings Account, or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026, AND applies and is approved for a new TD Credit Card by April 3, 2026, and completes the qualifying criteria described in the Offer 2 - Bundle Offer: $150 Cash section.
Offer 3) Earn an additional 4.00% Bonus Savings Interest Rate for 90 days when a New Chequing Account customer opens a New Savings Account by March 3, 2026, and completes the qualifying criteria described in the Offer 3 – Savings Offer: Earn 4% Bonus Interest Rate for 90 Days section.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
Offer 1: Chequing Account Offer: $500 Cash
† The Chequing Account Offer is available to Canadian residents that are the age of majority at time of account opening in their province or territory of residence. Eligible customers can earn $500 in cash by completing the required activities:
Open a New Chequing Account
A TD All-Inclusive Banking Plan or TD Unlimited Chequing Account ("The New Chequing Account") must be opened between November 6, 2025 and March 3, 2026.Complete Any Two of the Following Activities
To qualify, any two of the following activities must be completed, with the related transactions posted to your account by May 5, 2026:
1) Receive a recurring Direct Deposit from an employer, pension provider or government. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
2) Make an Online Bill Payment of at least $50 using TD EasyWeb or the TD app.
3) Have a recurring Pre-Authorized Debit of at least $50 come out of your account. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-Authorized Debits
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who received any TD Chequing Account offers from TD in 2023, 2024, 2025; or
5) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The $500 cash will be deposited into the New Chequing Account within 12 weeks after all required conditions have been met.
At the time of fulfillment, the New Chequing Account:
- Must still be open, in good standing, and all conditions continue to be met; and
- The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, before the cash offer is deposited into the New Chequing Account.
Limitations:
- For any New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
- Limit of one $500 cash offer (Offer 1) per New Chequing Account and per customer.
- We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product, except the New to Canada Banking Package.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 2: Bundle Offer: $150 Cash
◊ The $150 cash offer is available to Canadian residents that are of the age of majority at time of the New Savings Account and the TD Credit Card opening in their province or territory of residence. Eligible customers can earn $150 in cash by bundling a New Chequing Account with a new TD Savings Account, defined above, and a new eligible TD Credit Card, and completing the required activities within the specified timelines:
- Open a New Eligible Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between November 6, 2025, and March 3, 2026, and
- Open a New Savings Account and Complete One Activity:
- Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026;
- Complete one of the following activities with the New Savings Account, with the first transaction processed within 30 days of opening the New Savings Account:
1) Set up a pre-authorized transfer service. The pre-authorized transfer service must occur either weekly, biweekly, monthly, or twice per month.
or
2) Set up Simply Save.
- Open a New TD Credit Card
Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a "New TD Credit Card") by April 3, 2026.
The New TD Credit Card must be kept open, active and in good standing for at least 60 days from the date of opening.
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have an existing TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
8) Customers who are a Primary Cardholder of a personal TD Credit Card as of November 5, 2025.
9) Customers who have activated and/or closed a personal TD Credit Card account in the past 6 months.
10) Customers who are enrolled in the New to Canada Banking Package.
Fulfillment:
- The $150 cash will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account, the New Savings Account, and New TD Credit Card are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Limitations:
- For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
- Maximum of one $150 cash offer (Offer 2) per New Savings Account and New TD Credit Card.
- Limit of one $150 cash offer (Offer 2) per customer.
- We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
Offer 3: Savings Offer: Earn 4% Bonus Interest Rate for 90 Days
∞ Eligible customers can earn an additional 4% Bonus Interest Rate for 90 days on deposits in a new TD Savings Account – on any balances up to $1,000,000. The Savings Deposit Offer is available to Canadian residents that are the age of majority at the time of account opening in their province or territory of residence. To qualify, you must:
- Open a New Chequing Account
Open a TD All-Inclusive Banking Plan or a TD Unlimited Chequing Account ("New Chequing Account") between November 6, 2025 and March 3, 2026, and - Open a New Savings Account
Open a new TD Every Day Savings Account, TD Growth Savings Account or TD ePremium Savings Account (each a "New Savings Account") by March 3, 2026;
- Deposit Funds to Earn an Additional 4.00% Bonus Interest Rate for 90 Days
The account will earn a Bonus Savings Interest Rate of 4.00% per annum on any balances up to $1,000,000 for 90 days in addition to the current applicable posted interest rate for the selected TD Savings Account. The Bonus Savings Interest Rate will be applied to the New Savings Account commencing no later than 15 business days after the account is opened and will remain in effect for 90 days thereafter (“Promotional Period”).- The Bonus Savings Interest Rate applies only to funds deposited into the New Savings Account.
- The Bonus Savings Interest Rate is an annual interest rate. It is calculated each day, based on the Daily Closing Balance on that day, and paid monthly.
- After the Promotional Period ends, only the posted interest rate will apply.
- For the current posted interest rates, interest calculations, and information about Daily Closing Balance, see About Our Interest Calculations.
Eligibility Restrictions
This offer is not available to:
1) Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of November 5, 2025;
2) Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after November 6, 2024;
3) Customers who open a New Chequing Account on or after November 6, 2025, but change the account to a type other than the TD All-Inclusive Banking Plan or TD Unlimited Chequing Account before this offer is fulfilled;
4) Customers who already have a TD Savings Account as of November 5, 2025;
5) Customers who had a TD Savings Account that was closed on or after November 6, 2024;
6) Customers who received any TD Savings Account offer from TD in 2023, 2024, 2025; or
7) TD staff members or any TD customers who have a joint account with a TD staff member.
Fulfillment:
- The Bonus Savings Interest Rate and posted interest rate will be credited separately in the New Savings Account monthly for a period of 90 days, provided that the New Chequing Account and the New Savings Account are still open, in good standing, and all conditions continue to be met at the time of fulfillment.
Limitations:
- For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements.
- There may be tax implications associated with the Bonus Savings Interest Rate. Customers should consult with their personal tax advisor for more information.
- Intrest rates may change without notice.
- We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
TD® Aeroplan® Visa Infinite* Card
Credit Card Fees
|
Service |
Fee |
|---|---|
|
Annual Fee |
$139 |
|
Interest: Purchases |
21.99% |
|
Interest: Cash Advances |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
Additional Cardholder5 |
$75 |
when you add Overdraft Protection to your new chequing account.
Earn more with a 4.00%∞ Bonus Savings Interest Rate.
Plus, get an additional $150◊ when you:
- Open an eligible Savings Account by March 3, 2026 and complete one of the following within 30 days of account opening:
- Set up a Pre-authorized Transfer Service
- Set up Simply Save
- And, apply and be approved for a new eligible TD Credit Card by April 3, 2026.
Conditions apply§
TD Every Day Savings Account Details
Account Fees
|
Service |
Fee |
|---|---|
|
Monthly Fee |
$0 |
|
Transactions included per month1 |
1 |
|
Additional Transactions1 |
$3.00 each |
|
Free Transfers to your other TD accounts2 |
Unlimited |
|
Non-TD ATM Fee (in Canada)3 |
$2.00 each |
|
Foreign ATM Fee (in U.S., Mexico)3 |
$3.00 each |
|
Foreign ATM Fee (in any other foreign country)3 |
$5.00 each |
|
Paper Statement |
$2.00 per month |
1 No transaction fees for transfers or pre-authorized transfer services from this account to another TD Chequing or Savings account, except for transfers by cheque or through Interac e-Transfer®, which are treated as Debit Transactions.
2 For more information about transactions and a complete list of account fees, click here for account and other related service fees. For information on our general services, please view our General List of Services.
3 You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.
Interac e-Transfer® is a registered trade-mark of Interac Corp. Used under licence
TD Cash Back Visa* Card
Credit Card Fees
|
Service |
Fee |
|---|---|
|
Annual Fee |
$0 |
|
Interest: Purchases |
21.99% |
|
Interest: Cash Advances |
22.99% |
|
Interest: Cash Advances (Quebec only) |
21.99% |
|
Additional Cardholder5 |
$0 |
Get an additional $150◊ when you:
- Open an eligible Savings Account by March 3, 2026 and complete one of the following within 30 days of account opening:
- Set up a Pre-authorized Transfer Service
- Set up Simply Save
- And, apply and be approved for a new eligible TD Credit Card by April 3, 2026.
Conditions apply§
Get an additional $150◊ when you:
- Open an eligible Savings Account by March 3, 2026 and complete one of the following within 30 days of account opening:
- Set up a Pre-authorized Transfer Service
- Set up Simply Save
- And, apply and be approved for a new eligible TD Credit Card by April 3, 2026.
Conditions apply§