View Credit Cards

Annual interest rates, fees and features are current as of August 16, 2015 unless otherwise indicated and subject to change.

MoneySense^TM is a trademark of Rogers Media Inc., used under license. Based on data current as of July 2016. Visit Moneysense.ca/cbcc16 for methodology.

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aimia Canada Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program.

¹ Welcome Bonus Aeroplan Miles (“Welcome Bonus Miles”) will be awarded to the Aeroplan Member Account of the designated owner/sole proprietor or partner associated with the business who is the holder ("Primary Business Cardholder") of the TD Aeroplan Business Credit Card Account that is charged an annual fee of $149 (the “$149 Account”). The Welcome Bonus Miles will be awarded only after the first Purchase is charged to the $149 Account with the Card that has the $149 annual fee (the “First Purchase”). If you have opened a $149 Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person. Please allow up to 4 weeks after the First Purchase is posted to the $149 Account for the Welcome Bonus Miles to be credited to the Primary Business Cardholder's Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

² 1.5 Bonus Aeroplan Miles ("Bonus Rate") are earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account (Account). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery" or "drugstore" category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries and drugstore products/services made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

³ 1 Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ('Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at www.tdcanadatrust.com/tdvisa/agreements.

⁴ TD Points are earned for purchases charged to the Card. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned by the amounts originally charged to the Card. 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 Points.

⁵ Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or Aeroplan Miles. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

⁶ Underwritten by TD Home and Auto Insurance Company. Rentals must be charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

⁷ 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.

⁸ Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

⁹ Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹⁰ 1 Bonus Aeroplan Mile ("Bonus Rate") is earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery", or "drugstore" category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery, or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, and drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹¹ 1 Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (Account). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

¹² 1.5 Bonus Aeroplan Miles ("Bonus Rate") are earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account ("Account"). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account. Air Canada Purchases include flight reservation purchases completed online at aircanada.com and purchases completed at the airport or inflight. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery", "drugstore" or "Air Canada" category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries, drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this.Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Please see the Aeroplan Program for complete details on Aeroplan Miles earned on Air Canada Purchases. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services, and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹³ 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ("Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

¹⁴ Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to, conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province of residence each count as one full day. 22-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

¹⁵ Welcome Bonus Aeroplan Miles (“Welcome Bonus Miles”) will be awarded to the Aeroplan Member Account of the designated owner/sole proprietor or partner associated with the business who is the holder ("Primary Business Cardholder") of the TD Aeroplan Business Credit Card Account that is charged an annual fee of $149 (the “$149 Account”). The Welcome Bonus Miles will be awarded only after the first Purchase is charged to the $149 Account with the Card that has the $149 annual fee (the “First Purchase”). If you have opened a $149 Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person. Please allow up to 4 weeks after the First Purchase is posted to the $149 Account for the Welcome Bonus Miles to be credited to the Primary Business Cardholder's Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

¹⁶ Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

¹⁷ Applies to new TD First Class Travel Visa Infinite Accounts (Account) only. The Welcome Bonus of 20,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

¹⁸ Welcome Bonus: Welcome Bonus of 6% in Cash Back Dollars ("Welcome Bonus Rate") applies to new TD Cash Back Visa Infinite Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $3500 ("Welcome Bonus Cap") on any one or more of the following transactions charged to the Account:
(i) Purchases of gas or gas station services or products ("Gas Purchases");
(ii) Purchases of groceries or grocery items ("Grocery Purchases"); and
(iii) Each $1.00 in recurring bill payments set up on your Account ("Pre-Authorized Payments").
Any returned items, refunds, rebates or other similar credits on any Gas Purchase, Grocery Purchase or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rate on the original Gas Purchase, Grocery Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rate"). Applicability of Welcome Bonus Rate: Welcome Bonus Rate is in place of, and not in addition to, the Accelerated Rate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. Once the $15,000 Cap is reached for any of Gas Purchases, Grocery Purchases or Pre-Authorized Payments, then any further Gas Purchases, Grocery Purchases and Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rate that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

¹⁹ Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

²⁰ Applies to new TD Platinum Travel Visa Accounts (Account) only. The Welcome Bonus of 15,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of new Accounts opened by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

²¹ Welcome Bonus applies only to the new TD Business Travel Visa Account opened for the Card with the Annual Fee of $149 issued in the name of the business (the “Account”). Welcome Bonus will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Welcome Bonus for the Account. TD reserves the right to limit the number of Accounts opened by any one person or business. Welcome Bonus does not apply to additional Cards issued in the name of the same business. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

²² Earn 3% 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 3% 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. $15,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will only earn Cash Back Dollars at the standard rate that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rate"). 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 Rate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases and Grocery Purchases will be reduced by the actual corresponding amount of Gas Purchases and Grocery Purchases made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus of 6% in Cash Back Dollars. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the 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.

²³ Earn 3% 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, Internet charges, magazine/newspaper/online streaming subscriptions, membership fees and mobile 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. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rate that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for Pre-Authorized Payments will be reduced by the actual corresponding amount of Pre-Authorized Payments made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus of 6% in Cash Back Dollars. For example, if you set up $2,000 in Pre-Authorized Payments in the First 3 Months, the $15,000 Cap for Pre-Authorized Payments will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

²⁴ Earn 1% 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 Other Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

²⁵ Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of Insurance benefits, including terms, conditions, limitations, and exclusions are outlined in the certificate of Insurance included with your TD Credit Card Cardholder Agreement.

²⁶ Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

²⁷ Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

²⁸ Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Points. 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.

²⁹ Underwritten by TD Home and Auto Insurance Company. 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. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

³⁰ Underwritten by Allianz global Risks US Insurance company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

³¹ 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 rate that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rate"). 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 Rate. 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.

³² 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, Internet charges, magazine/newspaper/online streaming subscriptions, membership fees and mobile 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 rate that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

³³ 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.

All trade-marks are the property of their respective owners. For trade-mark ownership details, see tdcanadatrust.com/aeroplancards.

^TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license.

® Air Canada, Air Canada Express, Air Canada Rouge and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license.

® Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia.

^® The Aeroplan logo and Aeroplan, are registered trademarks of Aimia Canada Inc.

^® The TD logo and other trademarks are the property of The Toronto-Dominion Bank.

Annual interest rates, fees and features are subject to change.

^* Trademark of Visa Int., used under license.