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Credit Cards

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			TD Gold Elite Visa TD Gold Elite Visa Card 1% Annual Cash Rebate plus free Deluxe TD Auto Club Membership	TD Cash BackTMMasterCard® Card TD Cash Back MasterCard Card The more you use your Card, the more money you get back.	Drivers Rewards Visa Drivers Rewards Visa Card Earn up to 2% in TD Drivers Rewards Points on every purchase charged to the Card
			Apply	Apply	Apply
current annual fee1			$99	no fee	no fee
Authorized User cards1,2 (up to 3)			$39 each	free	free
min credit limit			$5,000	$1500	$1500
Interest Rates1			19.99% on Purchases1 and 22.99% on Cash Advances	19.99% on Purchases1 and 22.99% on Cash Advances	19.99% on Purchases1 and 22.99% on Cash Advances
Min annual household income required			$35,000	none	$12,000
Rewards			1% Annual Cash Rebate and Free Deluxe Auto Club	0.75% Cash Back Rewards	Earn up to 2% in TD Drivers Rewards Points on every purchase charged to the Card13
Protection Features
CardAssist Card Registry Service3
Purchase security and extended warranty protection4,5
Emergency Cash Advances6			up to $5,000	up to $5000	up to $500
24-hour Cash and Account Access6
Balance Transfers7
Travel Features
Common Carrier Travel Accident Insurance5,8			up to $500,000		up to $150,000
Emergency Travel Assistance Services5,9
Delayed and Lost Baggage Insurance4,5			up to $1,000
Trip Interruption Insurance5,10
No-Fee Travellers Cheques
Guaranteed Hotel Reservation
Auto Features
Auto rental collision/loss damage insurance5,11
Avis Rent-A-Car and Budget Rent-A-Car Preferred Rates12
TD Auto Club14			FREE Deluxe Coverage	Optional	Optional

Net purchases are all purchases charged to the Card less refunds, rebates or other similar credits. Annual Card fees and other fees, cash advances, any service or interest charges, optional services, balance transfers, refunds, rebates or other similar credits do not earn TD Points, Cash Rebates, and Drivers Rewards Points.

¹ Annual interest rates, fees and features are subject to change.

² Primary Cardholder is responsible for all charges to the Account.

³ Provided by Carlson Marketing Canada Ltd.

⁴ Underwritten by TD Home and Auto Insurance Company.

⁵ Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Coverage Certificates provided with your Credit Cards. Some benefits and coverages are only offered to the Primary Cardholder.

⁶ Visit your TD Canada Trust branch to receive a Personal Identification Number (PIN) to access your TD Credit Card Accounts through Green Machine ATM or other ATMs. TD U.S. Dollar Visa Cardholders may request a PIN by mail. Subject to available credit. Fees apply to each cash advance transaction.

⁷ Subject to available credit. Stop payments are not permitted.

⁸ Underwritten by Chubb Insurance Company of Canada.

⁹ Provided by World Travel Protection Canada Inc. This is not an insurance benefit but assistance services only.

¹⁰ Underwritten by TD Life Insurance Company.

¹¹ Underwritten by Primmum 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.

¹² Provided by Aviscar Inc. and BudgetCar Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹³ TD Drivers Rewards Points are earned for purchases charged to the Account. Purchases of gas and purchases of automotive parts or services must be made at eligible merchants of gas and eligible merchants of automotive parts or services with eligible Merchant Category Codes, as described in the TD Drivers Rewards Program section of your Cardholder Agreement, to be able to earn TD Drivers Rewards Points. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Drivers Rewards Points earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Drivers Rewards Points. Please see the TD Drivers Rewards Program section of your Cardholder Agreement for complete details.

¹⁴TD Auto Club provided by Sykes Canada Corporation.