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Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
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Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
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Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Home / Canadian Credit Cards / No Fee Credit Cards Canada\r\n"}}" id="text-58da3e16ce" class="cmp-text">Home / Canadian Credit Cards / No Fee Credit Cards Canada
Canadian Credit Cards\r\n"}}" id="text-92c86d3435" class="cmp-text">Your region is currently set to
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Many credit cards require customers to pay an annual fee to earn rewards on their day-to-day transactions and access other benefits. We offer a suite of cards in Canada for those looking to earn rewards on everyday purchases with no annual fee.
Compare the Best TD Credit Cards with No Annual Fee\r\n"}}" id="text-c891f5ea71" class="cmp-text"> Compare the Best TD Credit Cards with No Annual Fee Special Offer Recently Viewed TD Cash Back Visa* CardEarn up to $100 in Cash Back Dollarscashback-plus with the TD Cash Back Visa* Card. Conditions apply.
$0
Annual Fee21.99%
Interest: Purchases
22.99%
Interest: Cash Advances
Secure Apply now Compare Card Special Offer Recently Viewed TD Rewards Visa* CardEarn a value of $100UDINQEN14,UDINQEN14plus in TD Rewards Points to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.
$0
Annual Fee21.99%
Interest: Purchases
22.99%
Interest: Cash Advances
Secure Apply now Compare Card Recently Viewed TD Business Cash Back Visa* CardInvest back into your business with Cash Back Dollars.
$0
Annual Fee19.99%
Interest: Purchases
22.99%
Interest: Cash Advances
Secure Open an account Compare Card TM Visa* Card " data-cardImg="/content/dam/tdct/images/personal-banking/bsr-en.jpeg" data-cardSpecialOffer="no" data-cardDescriptionUrl="/content/tdcom/ca/en/business-banking/small-business/credit-cards/business-select-rate-visa-card" data-cardType="cc" data-cardLang="en" data-cardComponentType="catalogue-card" data-filter="TDCT All,No Annual Fee,TDCT Small Business,Low rate"> Recently Viewed TD Business Select RateTM Visa* CardSave on interest to grow your business with confidence
$0
Annual Fee11.99%
Interest: Purchases
11.99%
Interest: Cash Advances
secure Open an account Compare Card Benefits of a no annual fee credit card Aside from no annual fee, you also get to enjoy additional perks, such as TD Reward Points, Cash Back Dollars, travel benefits and more - depending on the card you choose.\r\n"}}" id="text-7c45c27670" class="cmp-text">Aside from no annual fee, you also get to enjoy additional perks, such as TD Reward Points, Cash Back Dollars, travel benefits and more - depending on the card you choose.
Redemption flexibilityRedeem your cash back dollars towards your statement balance1 and your TD Rewards Points towards travel, merchandise and more.
Travel benefitsTravel benefits such as discounts on rentals from Avis Rent-A-Car4 and Budget Rent-A-Car5.
Purchase securityAccess to Purchase Security and Extended Warranty Protection including coverage for items you’ve purchased with your Card6
No expiry of rewardsYour Cash Back Dollars or TD Rewards Points never expire as long as your account is open and in good standing.
Why should you choose a no annual fee credit card? There are several reasons why you might prefer a TD no annual fee credit card in Canada.\r\n"}}" id="text-b0b8269c23" class="cmp-text">There are several reasons why you might prefer a TD no annual fee credit card in Canada.
If you’re new to credit cards.
You may find that a TD Rewards Visa Card or TD Cash Back Visa Card with no annual fee is all you need to start earning the Points or Cash Back Dollars on everyday purchases.
If you want to start building your credit.
A credit card with no annual fee is a great way to build your credit when used responsibly.
If you don’t use a credit card often.
If you know you’re not likely to use a credit card regularly then a no annual fee credit card could be perfect to suit your needs.
If you don’t require the additional benefits.
If you don't need additional benefits offered by credit cards with higher annual fees, it's makes more financial sense to go for a no annual fee card, and still receive many of the same benefits and rewards.
Earn big rewards on the little things.
Earn more Stars at participating Starbucks® stores. Simply link your eligible TD Credit Card with your Starbucks® Rewards account to start earning. Conditions apply. Learn more.
You get to enjoy the benefits of a credit card without being charged the annual fee. However, it’s worth keeping in mind that there are still other charges associated with these credit cards, such as cash advances, late payments and interest charges.
How to choose the best no fee TD Personal Credit Card? When shopping for a credit card that fits your needs, a good rule of thumb is to apply for the card that offers you the best overall value. You can compare welcome bonuses, annual fees, and ease of redemption while making the best choice to suit your needs. A TD Rewards Visa* Card or TD Cash Back Visa* Card might end up being the best no annual fee option depending on your individual requirements.\r\n"}}" id="text-4b9cda90fd" class="cmp-text">When shopping for a credit card that fits your needs, a good rule of thumb is to apply for the card that offers you the best overall value. You can compare welcome bonuses, annual fees, and ease of redemption while making the best choice to suit your needs. A TD Rewards Visa* Card or TD Cash Back Visa* Card might end up being the best no annual fee option depending on your individual requirements.
TD Rewards Visa* Card Earn TD Rewards Points on all purchases you make with your card7,22. Earn even more TD Rewards Points when you book travel through Expedia® For TD19,22,24, on Groceries, Dining and Public Transit20,22, and on Recurring Bill Payments set up and Streaming, Digital Gaming & Media Purchases21,22. Redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Amazon.ca with Amazon Shop with Points, Starbucks® and more. Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices17. Get discounts on car rentals4, 5 within Canada, and the U.S. Option to purchase TD Auto Club Membership14 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road. TD Cash Back Visa* Card Earn Cash Back Dollars on all purchases you make with your card8,10 and earn even higher Cash Back rate on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases9,10. Redeem1 your Cash Back Dollars to help pay down your Account balance, whenever you please - the choice is yours! Get discounts on car rentals4, 5 within Canada and the U.S. Your Cash Back Dollars never expire as long as the account is open, active and in good standing. Option to purchase TD Auto Club Membership14 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road. How to choose the best no fee TD Business Credit Card? When looking for a credit card that suits the needs of your business, every little perk can help. That’s why it’s worth taking the time to compare the cards available to you – and understanding the features on those cards. Below are two no annual fee TD Business Credit Cards worth considering.\r\n"}}" id="text-e08f4e4c28" class="cmp-text">When looking for a credit card that suits the needs of your business, every little perk can help. That’s why it’s worth taking the time to compare the cards available to you – and understanding the features on those cards. Below are two no annual fee TD Business Credit Cards worth considering.
TD Business Cash Back Visa* Card Earn Cash Back Dollars on all purchases made with your card23 and earn even more cash back dollars on eligible Gas, Electric Vehicle Charging Purchases and Public Transit and Office Supply Purchases13 and on regularly recurring bill payments and Streaming, Digital Gaming & Media18. Shop with ease, knowing your Cash Back Dollars never expire as long as your account is open and in good standing. Shop with confidence, knowing you have coverage for most of your eligible new purchases with Purchase Security and Extended Warranty Protection6. Get access to the Card Management Tool: An easy way to access online reporting, review your business expenses, manage your existing credit limits and apply spend controls. TD Business Select Rate Visa Have option to choose no annual fee with an 11.99% interest rate, or if you often carry a balance, you can choose to pay an annual fee of $49 and receive a lower interest rate of 8.99% on purchases and cash advances. Enjoy a 21-day interest-free grace period on all new Purchases, if you pay your Statement Balance in full prior to your Payment Due Date15. Shop with confidence, knowing you have coverage for most of your eligible new purchases with Purchase Security and Extended Warranty Protection6. Additional Auto Rental Collision/Loss Damage Insurance coverage for up to 48 consecutive days16. Get access to the TD Card Management Tool: An easy way to access online reporting, review your business expenses, manage your existing credit limits and apply spend controls. Learning ResourcesBasics of Credit Cards
A credit card can be a useful financial tool, offering benefits and features designed for your needs.
Basics of Credit Cards Read nowIntroduction to Credit Card Points
One of the benefits that can make certain credit cards appealing is the ability to earn rewards on your spending.
Introduction to Credit Card Points Read now More options to serve you Browse all TD credit cardsCompare our credit cards to find your preferred solution.
Browse all TD credit cards View all cards Need help choosing a card?Answer a few simple questions and we'll suggest your ideal card based on your responses.
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Add Additional Cardholders Learn more TD Fraud AlertsGet text messages right to your mobile when we detect suspicious activity made with your TD Visa Credit Card11.
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\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
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^ INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:\r\nThe Promotional Interest Rate offer ("Promotional Rate") applies to new TD Rewards Visa* Card Accounts ("Account"). This offer is not available customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 months. After your Account is opened, the Promotional Rate of 9.99% applies to Purchases for the first 6 statement periods following the Account opening ("Promotional Rate Period"). 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 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 Purchases will increase, and the remaining balance of the 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.\r\n
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
\r\n"}}" id="t2" class="cmp-text">^ INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:
The Promotional Interest Rate offer ("Promotional Rate") applies to new TD Rewards Visa* Card Accounts ("Account"). This offer is not available customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 months. After your Account is opened, the Promotional Rate of 9.99% applies to Purchases for the first 6 statement periods following the Account opening ("Promotional Rate Period"). 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 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 Purchases will increase, and the remaining balance of the 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.
1 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.\r\n"}}" id="t3" class="cmp-text">1 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
2 Must apply by May 28, 2023. To receive 15,152 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 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 to customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 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.\r\n"}}" id="t4" class="cmp-text">2 Must apply by May 28, 2023. To receive 15,152 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 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 to customers who have activated and/or closed a TD Rewards Visa* Account in the last 6 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.
3 The business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.\r\n"}}" id="t5" class="cmp-text">3 The business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.
4 Provided by Avis Rent A Car System LLC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System LLC.\r\n"}}" id="t6" class="cmp-text">4 Provided by Avis Rent A Car System LLC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System LLC.
5 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.\r\n"}}" id="t7" class="cmp-text">5 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.\r\n"}}" id="t8" class="cmp-text">6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
7 Earn 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.\r\n"}}" id="t9" class="cmp-text">7 Earn 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.
8 Earn 0.5% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.\r\n"}}" id="t10" class="cmp-text">8 Earn 0.5% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
9 Earn 1% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 1% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases 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 Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.\r\n"}}" id="t11" class="cmp-text">9 Earn 1% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 1% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases 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 Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
10 Earn 1% in Cash Back Dollars ("PAP Rebate") on each $1.00 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 Cash Back Credit 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 Cash Back Dollars earned on the original Pre-Authorized Payment. $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 Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out 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.\r\n"}}" id="t12" class="cmp-text">10 Earn 1% in Cash Back Dollars ("PAP Rebate") on each $1.00 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 Cash Back Credit 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 Cash Back Dollars earned on the original Pre-Authorized Payment. $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 Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out 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.
11 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.\r\n"}}" id="t13" class="cmp-text">11 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.
12 1 TD 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.\r\n
\r\nThese are highlights of the Amazon.ca Shop with Points program for TD points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD 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.\r\n"}}" id="t14" class="cmp-text">
12 1 TD 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 points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD 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.
13 Earn 2% in Cash Back Dollars (“Gas Rebate”) for each $1.00 in Purchases of gas or gas station services or products (“Gas Purchases”) charged to your TD Business Cash Back Credit Card Account (“Account”) and earn 2% in Cash Back Dollars (“Office Supply Rebate”) for each $1.00 in Purchases of office supply purchases (“Office Supply Purchases”) charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchases or Office Supply Purchases, as applicable. $15,000 Cap : Each of the Gas Rebate and the Office Supply Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached for either Gas Purchases or Office Supply Purchases, then any further Gas Purchases and Office Supply Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“Standard Rebate”). Applicability of Gas Rebate and Office Supply Rebate : Each of the Gas Rebate and the Office Supply Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes : To earn the Gas Rebate and/or Office Supply Rebate, the Gas Purchases and/or Office Supply Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas” or “office supply” category. Some merchants may sell gas or gas station services or products, or office supply items, or have separate merchants located on their premises that also sell gas or gas station services or products, or office supply items, but may not be classified with a gas or office supply MCC and such Purchases will not earn the Gas Rebate or office supply Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
14 TD Auto Club is provided by AXA Assistance Canada Inc. an independent service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services.\r\n"}}" id="t16" class="cmp-text">14 TD Auto Club is provided by AXA Assistance Canada Inc. an independent service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services.
15 We will not charge interest on new Purchases and fees that appear for the first time on your statement (“New Purchases”) as long as we receive payment of the Balance shown on your statement on or before your Payment Due Date. If you pay an amount that is less than your Balance shown on your statement, then we will charge interest on those New Purchases starting from their transaction date until the amount of those New Purchases is paid in full. This interest-free Grace Period does not apply to Cash Advances.\r\n"}}" id="t17" class="cmp-text">15 We will not charge interest on new Purchases and fees that appear for the first time on your statement (“New Purchases”) as long as we receive payment of the Balance shown on your statement on or before your Payment Due Date. If you pay an amount that is less than your Balance shown on your statement, then we will charge interest on those New Purchases starting from their transaction date until the amount of those New Purchases is paid in full. This interest-free Grace Period does not apply to Cash Advances.
16 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.\r\n"}}" id="t18" class="cmp-text">16 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.
®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.\r\n"}}" id="t19" class="cmp-text">®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
*Trademark of Visa International Service Association; Used under license.\r\n"}}" id="t20" class="cmp-text">*Trademark of Visa International Service Association; Used under license.
®Aeroplan is a registered trademark of Aeroplan Inc., used under license.\r\n"}}" id="t21" class="cmp-text">®Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).\r\nAll trade-marks are the property of their respective owners.
\r\nAmazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.
\r\nCoin image© 2017 Royal Canadian Mint. All rights reserved
\r\n"}}" id="text-b409ac2ca1" class="cmp-text">Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
All trade-marks are the property of their respective owners.
Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.
Coin image© 2017 Royal Canadian Mint. All rights reserved
Annual interest rates, fees and features are current as of June 1, 2026, unless otherwise indicated and subject to change.\r\n"}}" id="noaft1" class="cmp-text">Annual interest rates, fees and features are current as of June 1, 2026, unless otherwise indicated and subject to change.
1 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. ‡ Special Offer: Effective June 1, 2026 the value of up to $100 in Cash Back Dollars could be earned in the first three months of account opening by completing the following two steps: Earn $20 in Cash Back Dollars on first purchase with your card Earn an additional $80 in Cash Back Dollars when you reach a spend of $1500 in the first 3 months of account opening Effective as of June 1, 2026. To earn up to $100 in Cash Back Dollars to the TD Cash Back Visa* Card, Account must be approved, open and in good standing while this offer is in effect and at the time Cash Back Dollars are awarded. The value of up to $100 in Cash Back Dollars will be applied to your Cash Back Dollar balance after the 3 months as a one-time payout. The 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 to customers who have activated and/or closed a TD Cash Back Visa Account in the last 12 months. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded. Please allow 8 weeks after the conditions of the offer are fulfilled for the Cash Back Dollars to be credited to your Account.This offer is not available to customers who transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or customers who have closed a TD Credit Card within the last 12 months.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases. 2 Effective as of June 1, 2026. This offer ("Welcome Bonus Offer") is only available to those Cardholders who have a TD Rewards Visa* ("Account") that is open, active and in Good Standing while the Welcome Bonus Offer is in effect and when the Welcome Bonus Points is awarded. A Welcome Bonus of 30,310 TD Rewards Points ("Welcome Bonus") will be awarded to your TD Rewards Visa* ("Account") only after you make $1500 in Purchases on your TD Rewards Visa* ("Account"), within 90 days of Account opening. This Welcome Bonus Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This Welcome Bonus Offer is not available to 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this Welcome Bonus Offer is in effect. Please allow 8 weeks after the conditions for this offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded. Any TD Rewards Points received under this Welcome Bonus Offer may be reversed after it has been applied if the qualifying purchases are cancelled and/or refunded to the Account.\r\n"}}" id="noaft4" class="cmp-text">
2 Effective as of June 1, 2026. This offer ("Welcome Bonus Offer") is only available to those Cardholders who have a TD Rewards Visa* ("Account") that is open, active and in Good Standing while the Welcome Bonus Offer is in effect and when the Welcome Bonus Points is awarded. A Welcome Bonus of 30,310 TD Rewards Points ("Welcome Bonus") will be awarded to your TD Rewards Visa* ("Account") only after you make $1500 in Purchases on your TD Rewards Visa* ("Account"), within 90 days of Account opening. This Welcome Bonus Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This Welcome Bonus Offer is not available to 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this Welcome Bonus Offer is in effect. Please allow 8 weeks after the conditions for this offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded. Any TD Rewards Points received under this Welcome Bonus Offer may be reversed after it has been applied if the qualifying purchases are cancelled and/or refunded to the Account.
3 For Business Cardholders\r\nThe business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.\r\n"}}" id="noaft5" class="cmp-text">
3 For Business Cardholders
The business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.
4 Provided by Avis Rent A Car System LLC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System LLC.
5 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.\r\n"}}" id="noaft7" class="cmp-text">5 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.\r\n"}}" id="noaft8" class="cmp-text">6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
7 Earn 1 TD Rewards Point ("Base Earn Rate") for every $1 on all other Purchases that do not fall into any other Purchase category identified in the TD Rewards Program Terms and Conditions (“Other Purchases”) charged to your TD Rewards Visa* Card Account (“Account”).\r\n"}}" id="noaft9" class="cmp-text">7 Earn 1 TD Rewards Point ("Base Earn Rate") for every $1 on all other Purchases that do not fall into any other Purchase category identified in the TD Rewards Program Terms and Conditions (“Other Purchases”) charged to your TD Rewards Visa* Card Account (“Account”).
8 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").\r\n"}}" id="noaft10" class="cmp-text">8 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").
9 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. \r\n"}}" id="noaft11" class="cmp-text">9 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.
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.\r\n"}}" id="noaft12" class="cmp-text">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 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.\r\n"}}" id="noaft13" class="cmp-text">11 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.
12 1 TD 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.\r\n
\r\nThese 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.\r\n"}}" id="noaft14" class="cmp-text">
12 1 TD 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.
13 Earn 2% in Cash Back Dollars (“Gas and Electric Vehicle Charging Rebate”) for each $1.00 in “Gas and Electric Vehicle Charging Purchases” charged to your TD Business Cash Back Visa Card Account (“Account”), earn 2% in Cash Back Dollars (“Public Transit Rebate”) for each $1.00 in “Public Transit Purchases” and earn 2% in Cash Back Dollars (“Office Supply Rebate”) for each $1.00 in “Office Supply Purchases” charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas and Electric Vehicle Charging Purchases, Public Transit Purchases, or Office Supply Purchases, as applicable. $15,000 Cap: Each of the Gas and Electric Vehicle Charging Rebate, the Public Transit Rebate, and the Office Supply Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached for Gas and Electric Vehicle Charging Purchases, Public Transit Purchases, or Office Supply Purchases, then any further Gas and Electric Vehicle Charging Purchases, Public Transit Purchases, and Office Supply Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“Standard Rebate”). Applicability of Gas and Electric Vehicle Charging Rebate, Public Transit Rebate, and Office Supply Rebate: Each of the Gas and Electric Vehicle Charging Rebate, the Public Transit Rebate, and the Office Supply Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas and Electric Vehicle Charging Rebate, the Public Transit Rebate, and/or Office Supply Rebate, the Gas and Electric Vehicle Charging Purchases and/or Office Supply Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them as Gas Service Stations, Automated Fuel Dispensers, Electric Vehicle Charging, Local and Suburban Commuter Passenger Transportation, including Ferries, or Office Supplies. Some merchants may sell gas or gas station services or products, offer electric vehicle charging, offer transit services, or sell office supply items, or have separate merchants located on their premises that also sell gas or gas station services or products, or electric vehicle charging, or transit services, or office supply items, but may not be classified with a gas, electric vehicle charging, public transit, or office supply MCC and such Purchases will not earn the Gas and Electric Vehicle Charging Rebate, Public Transit Rebate, or Office Supply Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
14 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub.\r\n"}}" id="noaft16" class="cmp-text">14 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub.
15 We will not charge interest on new Purchases and fees that appear for the first time on your statement (“New Purchases”) as long as we receive payment of the Balance shown on your statement on or before your Payment Due Date. If you pay an amount that is less than your Balance shown on your statement, then we will charge interest on those New Purchases starting from their transaction date until the amount of those New Purchases is paid in full. This interest-free Grace Period does not apply to Cash Advances.\r\n"}}" id="noaft17" class="cmp-text">15 We will not charge interest on new Purchases and fees that appear for the first time on your statement (“New Purchases”) as long as we receive payment of the Balance shown on your statement on or before your Payment Due Date. If you pay an amount that is less than your Balance shown on your statement, then we will charge interest on those New Purchases starting from their transaction date until the amount of those New Purchases is paid in full. This interest-free Grace Period does not apply to Cash Advances.
16 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.\r\n"}}" id="noaft18" class="cmp-text">16 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.
17 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.\r\n"}}" id="17" class="cmp-text">17 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.
18 Earn 2% in Cash Back Dollars (“PAP and Streaming, Digital Gaming & Media Rebate”) on each $1.00 in “PAP and Streaming, Digital Gaming & Media Purchases” and 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 Business Cash Back Visa Card Account (“Account”) and that are classified through the Visa network as “Recurring Bill 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 Cash Back Dollars earned on the original Recurring Bill Payment. To earn the “PAP and Streaming, Digital Gaming & Media Rebate” when making a Purchase that is not a Recurring Bill Payment, the Purchase must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them as Digital Goods Media – Books, Movies, Music, Digital Goods – Games, Digital Goods – Applications, Digital Goods – Large Digital Goods Merchants, Cable, Satellite and Other Pay Television/Radio/Streaming Services. Some merchants might sell Streaming, Digital Gaming, and Media but are not classified under the Merchant Category Code, and Purchases made with these merchants will not earn the PAP and Streaming, Digital Gaming & Media Rebate. If you have questions about the MCC that applies to a purchase, contact TD at 1-800-983-8472. $15,000 Cap: The PAP and Streaming, Digital Gaming, and Media Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached, then any further PAP and Streaming, Digital Gaming, and Media Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement (“Standard Rebate”). Applicability of PAP, Streaming, Digital Gaming, and Media Rebate: The PAP and Streaming, Digital Gaming and Media 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.\r\n"}}" id="18" class="cmp-text">18 Earn 2% in Cash Back Dollars (“PAP and Streaming, Digital Gaming & Media Rebate”) on each $1.00 in “PAP and Streaming, Digital Gaming & Media Purchases” and 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 Business Cash Back Visa Card Account (“Account”) and that are classified through the Visa network as “Recurring Bill 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 Cash Back Dollars earned on the original Recurring Bill Payment. To earn the “PAP and Streaming, Digital Gaming & Media Rebate” when making a Purchase that is not a Recurring Bill Payment, the Purchase must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them as Digital Goods Media – Books, Movies, Music, Digital Goods – Games, Digital Goods – Applications, Digital Goods – Large Digital Goods Merchants, Cable, Satellite and Other Pay Television/Radio/Streaming Services. Some merchants might sell Streaming, Digital Gaming, and Media but are not classified under the Merchant Category Code, and Purchases made with these merchants will not earn the PAP and Streaming, Digital Gaming & Media Rebate. If you have questions about the MCC that applies to a purchase, contact TD at 1-800-983-8472. $15,000 Cap: The PAP and Streaming, Digital Gaming, and Media Rebate is only available to a $15,000 maximum annual spend (“$15,000 Cap”). Once the $15,000 Cap has been reached, then any further PAP and Streaming, Digital Gaming, and Media Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement (“Standard Rebate”). Applicability of PAP, Streaming, Digital Gaming, and Media Rebate: The PAP and Streaming, Digital Gaming and Media 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.
19 Earn 4 TD Rewards Points for every $1 in Purchases made through Expedia For TD and charged to your TD Rewards Visa* Card Account (“Account”).\r\n"}}" id="19" class="cmp-text">19 Earn 4 TD Rewards Points for every $1 in Purchases made through Expedia For TD and charged to your TD Rewards Visa* Card Account (“Account”).
20 Earn 3 TD Rewards Points for every $1 in Purchases you make on your TD Rewards 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 Eating Places and Restaurants (MCC 5812), Drinking Places (MCC 5813), and Fast Food Restaurants (MCC 5814) ("Dining Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"). The TD Rewards Points earn rate for each of Grocery Purchases, Dining Purchases, and Public Transit Purchases is only available on the first $5,000 in annual net Purchases in each category ("Annual Cap"). If your total Purchases in one of these categories exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in this category for the remainder of the year. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.\r\n"}}" id="20" class="cmp-text">20 Earn 3 TD Rewards Points for every $1 in Purchases you make on your TD Rewards 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 Eating Places and Restaurants (MCC 5812), Drinking Places (MCC 5813), and Fast Food Restaurants (MCC 5814) ("Dining Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"). The TD Rewards Points earn rate for each of Grocery Purchases, Dining Purchases, and Public Transit Purchases is only available on the first $5,000 in annual net Purchases in each category ("Annual Cap"). If your total Purchases in one of these categories exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in this category for the remainder of the year. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
21 Earn 2 TD Rewards Points for every $1 in Purchases you make on your TD Rewards Visa* Card ("Account") that are classified by the Visa payment network's Merchant Category Code ("MCC") as 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 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 TD Rewards Point earn rate on recurring bill payments and Streaming, Digital Gaming & Media is only available on the first $5,000 in annual net Purchases (“Annual Cap”). If your total Purchases in this category exceed the Annual Cap in a year, you will earn the Base Earn Rate on these Purchases for the remainder of the year. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.\r\n"}}" id="21" class="cmp-text">21 Earn 2 TD Rewards Points for every $1 in Purchases you make on your TD Rewards Visa* Card ("Account") that are classified by the Visa payment network's Merchant Category Code ("MCC") as 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 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 TD Rewards Point earn rate on recurring bill payments and Streaming, Digital Gaming & Media is only available on the first $5,000 in annual net Purchases (“Annual Cap”). If your total Purchases in this category exceed the Annual Cap in a year, you will earn the Base Earn Rate on these Purchases for the remainder of the year. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
22 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, and Cash-Like Transactions), interest charges, optional service, refunds, rebates, or other similar credits do not earn TD Rewards Points. For more details, please review the TD Rewards 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 points are awarded to qualify.\r\n"}}" id="22" class="cmp-text">22 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, and Cash-Like Transactions), interest charges, optional service, refunds, rebates, or other similar credits do not earn TD Rewards Points. For more details, please review the TD Rewards 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 points are awarded to qualify.
23 Earn 0.5% in Cash Back Dollars (“Standard Rebate”) on each $1.00 for all other Purchases (“Other Purchases”) charged to your TD Business Cash Back Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.\r\n"}}" id="23" class="cmp-text">23 Earn 0.5% in Cash Back Dollars (“Standard Rebate”) on each $1.00 for all other Purchases (“Other Purchases”) charged to your TD Business Cash Back Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
24 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.\r\n"}}" id="24" class="cmp-text">24 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.\r\n"}}" id="t19" class="cmp-text">® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
*Trademark of Visa International Service Association; Used under licence.\r\n"}}" id="t20" class="cmp-text">*Trademark of Visa International Service Association; Used under licence.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).\r\nAll trade-marks are the property of their respective owners.
\r\nAmazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.
\r\n"}}" id="text-4fa66d840a" class="cmp-text">Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
All trade-marks are the property of their respective owners.
Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.
2 Effective as of June 1, 2026. This offer ("Welcome Bonus Offer") is only available to those Cardholders who have a TD Rewards Visa* ("Account") that is open, active and in Good Standing while the Welcome Bonus Offer is in effect and when the Welcome Bonus Points is awarded. A Welcome Bonus of 30,310 TD Rewards Points ("Welcome Bonus") will be awarded to your TD Rewards Visa* ("Account") only after you make $1500 in Purchases on your TD Rewards Visa* ("Account"), within 90 days of Account opening. This Welcome Bonus Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This Welcome Bonus Offer is not available to 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this Welcome Bonus Offer is in effect. Please allow 8 weeks after the conditions for this offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded. Any TD Rewards Points received under this Welcome Bonus Offer may be reversed after it has been applied if the qualifying purchases are cancelled and/or refunded to the Account. 12 1 TD 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.
Apply Online for No Annual Fee Credit Cards in Canada | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引
- Looking for a credit card with no annual fee that may have rewards you can earn? Find the best TD Credit Card with no annual fee for you. Apply Online today!