TD® Rewards Visa* Card

TD® Rewards Visa* Card

Annual Fee $0
Purchases 19.99%1
Cash Advances 22.99%
Balance Transfer 22.99%
TD® Rewards Visa* Card

Earn up to 10,000 TD Rewards Points (equivalent to a $25 gift card)+. Conditions Apply. Must apply online by March 2, 2020.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Limited Time Offer – Online Only

Apply online by March 2, 2020 to earn up to 10,000 TD Rewards Points (equivalent to a $25 gift card) as follows:

Earn up to 5,000 TD Reward Points when you spend $1,000 within the first three months of account opening+.

+

Earn 2,500 TD Rewards Points when you add an Authorized User to your Account by March 2, 2020+.

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Earn 2,500 TD Reward Points when you sign up for paperless statements for your Account by March 2, 2020+.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

No Annual Fee.

Earn:

  • Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases2, and regularly recurring bill payments3.
  • Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com4
  • Earn 1 TD Rewards Point for every $1 you spend on all other purchases5
  • Flexibility to use your TD Rewards Points on what you want – gift cards, merchandise, travel and more.
  • Your TD Rewards Points will never expire as long as you are a Cardholder

How to Redeem:

Shop online through TDRewards.com. Through Shop The Mall, you can redeem your TD Rewards Points to shop directly at participating online retailers to pay for the things you want. Or, Shop The Catalogue and redeem your TD Rewards Points for brand name merchandise from gift cards and appliances, to electronics, luggage and more.

You can earn more TD Rewards Points when you book your travel online with your TD Rewards Visa Card through ExpediaForTD.com. You can also redeem any earned TD Rewards Points towards that purchase at time of booking through ExpediaForTD.com. Or, use your TD Rewards Visa Card to book travel with any other travel provider and redeem any earned TD Rewards Points towards that purchase within 90 days after the purchase date.

You can also redeem your TD Rewards Points to help pay down your Credit Card Account balance through TDRewards.com, EasyWeb or the TD App.

Promotional Balance Transfer/Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.

Cash Advance Fee: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)

Foreign Currency Conversion: 2.50%

Over Credit Limit Fee: $29

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Warranties
  • Extended Warranty
Convenience
  • PayWave
  1. There is a 21-day interest grace period on all new purchases

+Must apply online by March 2, 2020. To receive the bonus of 5,000 TD Reward Points ("Welcome Bonus") awarded to the TD Rewards Visa* Account ("Account"), you must make $1,000 in Purchases on your Account within 90 days of Account opening. To receive the additional 2,500 TD Rewards Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between December 2, 2019 and March 2, 2020; and (b) the Authorized User must call and activate their Card by April 30, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 2,500 Authorized User Bonus TD Rewards Points offer. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. To receive the additional 2,500 TD Reward Points for enrolling in online statements ("eStatement Bonus"), first, register online for internet banking and create a TD EasyWeb account. Once registered, log in to EasyWeb and select Statements & Documents and switch your Account to receive Online Statements, by selecting delivery preferences. You will be asked to agree to the Electronic Document Consent Agreement which provides terms that enable TD to provide you with your statement and account communications electronically. You may revoke your consent to online statements at any time, however, to receive the eStatement Bonus, you must be enrolled by and on 11:59 pm ET March 20th, 2020. Please allow up to 8 weeks for the Welcome Bonus, the Authorized User Bonus, and/or the eStatement Bonus to be added to your Account. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. 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, the Authorized User Bonus, and/or the eStatement Bonus TD Reward Points are awarded.

3Earn 2 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa Card Account ("Account") and 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. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4Earn 3 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 2 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5Earn 1 TD Rewards Point ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

* Trademark of Visa International Service Association and used under license.

Last updated 01/08/2020. Check with the credit card issuer for the most up-to-date information before applying.

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