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Features & Benefits

The following features and benefits are available with the indicated TD Visa Cards.

TD Visa Benefits

Auto Rental Collision/Loss Damage Insurance
Purchase Security and Extended Warranty Protection
Emergency Travel Assistance Services
Delayed and Lost Baggage Insurance
Trip Interruption Insurance
Travel Medical Insurance
Trip Cancellation / Trip Interruption Insurance
Exclusive Luxury Hotel, Complimentary Concierge and Dining Privileges
Common Carrier Travel Accident Insurance
No-Fee Travellers Cheques
Avis Rent A Car and Budget Rent A Car Partner Rates
Priority Pass Membership Discount
Authorized User Cards

Personal Banking Services

24-hour Instant Cash Access
24-hour Account Access
Every Branch Banking
Cheque Cashing Privileges
No-Fee TD Visa Cheques
Pre-Authorized Payment Service

The Power of Visa

Worldwide Acceptance
Emergency Assistance from the Visa Service Centre
Guaranteed Hotel Reservations
Chip Enabled Technology
Visa payWave Technology

Benefits, features and coverages are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder. Monetary values are stated in Canadian dollars, except those for the U.S. Dollar Visa Card.


TD Canada Trust Credit Card Benefits

Auto Rental Collision/Loss Damage Insurance

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD U.S. Dollar Credit Card
U.S. Dollar
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum

Use your eligible TD Visa Card to charge the full cost of a car rental and the Auto Rental Collision/Loss Damage Insurance program will cover you at no additional cost. This insurance coverage means you do not need to purchase the collision/loss damage insurance coverage offered by the car rental company. You'll be protected against loss arising from damage to the rental car on most rentals in North America and many foreign countries. Some restrictions apply.

More information.

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 must be waived by the Primary Cardholder.

Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Coverage Certificate provided with your TD Visa Card.

Purchase Security and Extended Warranty Protection1

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD Green Credit Card
Green
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Select Credit Card
Select
Image of TD U.S. Dollar Credit Card
U.S. Dollar
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel

Enjoy worry-free shopping with Purchase Security and Extended Warranty Protection. If an eligible item that you purchased in full with your eligible TD Visa Card is stolen or damaged within 90 days of purchase, it may be replaced or repaired or you will be reimbursed for it. If the item comes with a manufacturer's warranty, you may be entitled to double the warranty period by up to 12 additional months.

Emergency Travel Assistance Services1

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD U.S. Dollar Credit Card
U.S. Dollar
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel

Emergency Travel Assistance Services helps make it easier to deal with a personal emergency when you are travelling. By simply calling a toll-free number, you can be provided with -

  • Medical referrals, consultation, monitoring and transportation to another medical facility, or medical payment assistance
  • Lost luggage assistance
  • Legal referrals and bail bond assistance
  • Emergency cash transfers and replacement tickets and travel documents (up to your available credit limit)
  • Emergency transportation

Fees apply to each cash advance transaction

Delayed and Lost Baggage Insurance1

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD U.S. Dollar Credit Card
U.S. Dollar
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel

If your checked baggage is lost or delayed by more than six hours from the time of arrival at your final destination, you, your spouse and dependent children can be reimbursed up to $1,000 each. This includes the cost to replace essential items purchased before the baggage is returned to you, and the replacement cost of personal property that is not covered by the airline or other insurance if your checked baggage is never returned. Simply charge the full cost of your tickets to your eligible TD Visa Card to receive this coverage.

Trip Interruption Insurance1

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Elite
Image of TD U.S. Dollar Credit Card
U.S. Dollar

If illness, injury or a death in your immediate family prevents you from completing part of a trip, you can claim up to $5,000 per person to a maximum of $25,000 for certain portions of your trip and return airfare. Simply charge the full cost of your tickets to your TD Gold Elite Visa Card to be eligible for coverage.

Travel Medical Insurance1

Image of TD First Class Travel Credit Card
First Class Travel

When you leave your province of residence, you'll automatically be covered for up to $1,000,000 of unexpected emergency medical expenses, including hospital bills, doctors and diagnostic tests (if the tests are approved in advance). You'll be covered for trips up to 8 days2 long if you're under 65, and 2 days2 if you're 65 or older.

If you have a medical emergency, call the Emergency Assistance Center: 1-866-374-1129 from Canada or the U.S. or, from other countries, call collect at 416-977-4425. Expert medical advisors and coordinators can help you get to a doctor or hospital and handle eligible payments. It's important to call right away to ensure you get the maximum benefit; some expenses are only eligible if approved in advance.

There are some limitations and exclusions to your coverage. For example, costs that relate to pre-existing conditions are not covered. Also, if you don't contact the Emergency Assistance Center immediately, benefits will be reduced to 80% of what would otherwise be payable, to a maximum of $30,000. Please read your certificate of insurance for full details of coverage, eligibility, limitations and exclusions, and take it with you on your trip.

Trip Cancellation / Trip Interruption Insurance1

Image of TD First Class Travel Credit Card
First Class Travel

When you charge the full cost of your trip to your TD First Class Travel Visa Infinite Card,2 you'll automatically receive Trip Cancellation/Trip Interruption Insurance for the trip. If an illness, injury or other covered cause prevents you from starting your trip, you'll be covered for up to $1,000 of eligible cancellation expenses per eligible person, to a maximum of $5,000 for all eligible persons on the same trip. Eligible expenses include the cost of unused travel arrangements that were charged to your card or, with pre-approval, the cost of leaving later for your trip.

Also, if a covered cause prevents you from completing your trip, you'll be covered for up to $5,000 of eligible trip interruption expenses per eligible person, to a maximum of $25,000 for all eligible persons on the same trip. If you need to cancel or interrupt your trip, call the Emergency Assistance Center right away to report your cancellation or to discuss alternate travel arrangements: 1-866-374-1129 from Canada or the U.S. or, from other countries, call collect at 416-977-4425.

There are some limitations and exclusions. For example, costs that relate to pre-existing conditions are not covered. Also, only the expenses that are non-refundable when the covered cause happens will be covered. Please see your certificate of insurance for full details of benefits, eligibility, limitations and exclusions.

Exclusive Luxury Hotel, Complimentary Concierge and Dining Privileges

Image of TD First Class Travel Credit Card
First Class Travel

As a valued TD First Class Travel Visa Infinite Cardholder, you will have access to:

  • Exclusive Luxury and Boutique Hotel Privileges
    Visa Infinite Luxury Hotel Collection comprises some of the world’s most intriguing and prestigious properties, a hand-selected portfolio developed exclusively for TD First Class Travel Visa Infinite Cardholders. Gathered together by Visa invitation and appraised annually, all properties, from boutique gems to world-famous hotels, provide guests an exclusive, unique collection of benefits, specifically designed to offer an unparalleled experience.

  • Exclusive Complimentary Concierge Assistance
    Save time and make your life easier with TD First Class Travel Visa Infinite complimentary concierge1 assistance 24 hours a day, 7 days a week, from home and when you travel. Your Concierge can arrange your entertainment, make restaurant reservations, even help you select the perfect gift any time you want.2
    In Canada and the U.S.,
    call toll-free: 1-888-853-4458

    Outside Canada and the U.S.,
    call collect: 804-281-5751


  • Exclusive Dining Privileges
    As a TD First Class Travel Visa Infinite Cardholder you have exclusive access to gourmet events catered to your discerning tastes. From unique dining experiences where you’ll dine in some of Canada’s top restaurants and meet top chefs, to enjoying an interactive demonstration cooking class where you’ll gain the skills and inspiration to be adventurous in your own kitchen. These are distinctive experiences no “foodie” will want to miss.

For further details and conditions that apply to these exclusive privileges, visit www.tdtravelrewards.com enter your TD First Class Travel Visa Infinite Card number and password and look for the "Exclusive Privileges through Visa" link.2

Common Carrier Travel Accident Insurance1

Up to $500,000

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel

Up to $500,000 US

Image of TD U.S. Dollar Credit Card
U.S. Dollar

Up to $200,000

Image of TD Green Credit Card
Green

Up to $150,000

Image of TD Driver Reward Card
Driver Rewards

You, your spouse and dependent children are automatically insured while travelling on a common carrier or in a rental car whenever you charge the full cost of your ticket or car rental to your eligible TD Visa Card.

No-Fee Travellers Cheques

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel

American Express Travellers Cheques are welcomed at establishments around the world. As a TD Visa Cardholder, you're entitled to purchase any amount you need through participating TD Canada Trust branches - without paying the standard commission fees.

Avis1 Rent A Car and Budget2 Rent A Car Partner Rates

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Classic Travel Credit Card
Classic Travel
Image of TD Rebate Rewards Credit Card
Rebate
Rewards
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD Emerald Credit Card
Emerald
Image of TD Green Credit Card
Green
Image of TD U.S. Dollar Credit Card
U.S. Dollar
Image of TD Driver Reward Card
Driver Rewards

When you need a vehicle for business or pleasure, you can save 5 to 25% off the lowest available discountable time and mileage retail rate on qualifying rentals. This offer is valid at participating Avis®1 and Budget®2 locations worldwide when the rental is charged in full to your eligible TD Credit Card.

For additional savings and to reserve your vehicle, visit

Image of AVIS.com   avis.com/tdcreditcards
To receive your discount on Avis rentals, be sure to quote Avis Worldwide Discount (AWD) # C078400 at the time of reservation.
Image of Budget.com   budget.com/tdcreditcards
To receive your discount on Budget rentals, be sure to quote Budget Customer Discount (BCD) # A331700 at the time of reservation.

Priority Pass Membership Discount

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First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Classic Travel Credit Card
Classic Travel
Image of TD Business Credit Card
Business

Travel like a VIP with a Priority Pass Membership. All TD Canada Trust travel cardholders receive an annual discount on a Priority Pass membership1, your key to 600 VIP airport lounges worldwide. Relax and take refuge from the chaos of the terminal, enjoy peace and quiet and complimentary refreshments, no matter which airline or class you fly. If you need to stay in touch en route, most lounges offer phone, fax, email and Internet facilities.

You can even use your TD points towards your membership.
Join now and receive your Priority Pass membership discount.

Authorized User Cards

Authorized User Cards are an easy way to provide your spouse, a family member or a close friend with many of the same benefits and purchasing power that you enjoy. Remember, with the TD First Class Travel Visa Infinite Card, TD Platinum Visa Card, TD Gold Elite Visa Card, TD(R)/AAdvantage(R) Platinum, TD Classic Travel Visa Card, TD Rebate Rewards you'll earn rewards on the eligible net purchases made on the Authorized User Cards as well as your own Card.

  Annual Fees Annual Interest Rates
Image of TD Drivers Reward Card TD Driver Rewards Visa Card offers up to 3 free Authorized User Cards. No annual fee 19.99%1
Image of TD First Class Travel Credit Card TD First Class Travel Visa Infinite Card offers up to 3 Authorized User Cards with an annual fee of $50 per additional Card. $1201 19.99%1
Image of TD Platinum Travel Credit Card TD Platinum Travel Visa Card offers up to 3 Authorized User Cards with an annual fee of $50 per additional Card. $991 19.99%1
Image of TD Classic Travel Credit Card TD Classic Travel Visa Card offers up to 3 free Authorized User Cards. $191 19.99%1
Image of TD Rebate Rewards Credit Card TD Rebate Rewards Visa Card offers up to 3 free Authorized User Cards. No annual fee 19.99%1
Image of TD Green Credit Card TD Green Visa Card offers up to 3 free Authorized User Cards. No annual fee 19.99%1
Image of TD Emerald Visa Credit Card TD Emerald Visa Card offers up to 3 free Authorized User Cards. $251 TD Prime +
1.9% up to
TD Prime +
6.9%
Image of TD U.S. Dollar Credit Card TD U.S. Dollar Visa offers up to 3 free Authorized User cards. $39 USD 19.99%1
Image of TD Elite Credit Card TD Gold Elite Visa Card offers up to 3 Authorized User Cards with an annual fee of $39 per additional Card. $991 19.99%1
Image of TD Select Credit Card TD Gold Select Visa Card offers up to 3 free Authorized User Cards. No annual fee 19.99%1
Image of TD AAdvantage Platinum Credit Card TD® / AAdvantage® Platinum Visa Card offers up to 3 Authorized User Cards with an annual fee of $50 per additional Card. $1201 19.99%1

Personal Banking Services

24-hour Instant Cash Access

All Cards

With your TD Visa Card, and a Personal Identification Number (PIN) obtained at any TD Canada Trust branch, you have access to instant cash advances, subject to your available credit limit, at over 804,000 automated banking machines (ABMs) worldwide and TD Canada Trust branches. Visit your TD Canada Trust branch to receive a PIN to access your TD Visa Account through Green Machine ABMs or other ABMs. TD U.S. Dollar Visa Cardholders may request a PIN by calling customer service. Fees apply to each cash advance transaction.

24-hour Account Access

All Cards

You can call toll-free whenever you want Account information or have questions regarding your TD Visa Card. With your TD Visa Card and Personal Identification Number (PIN), you can also access your TD Visa Account balance and activity, make payments and withdrawals, and access your TD Canada Trust bank accounts 24 hours a day, seven days a week. Simply use a Green Machine ABM, TD Canada Trust EasyWeb Internet banking or TD Canada Trust EasyLine telephone banking. (For TD U.S. Dollar Visa Card, only account balance available on EasyWeb Internet banking) Click here to take the EasyWeb Tour and/or register. Visit your TD Canada Trust branch to receive a PIN to access your TD Visa Account through Green Machine ABMs or other ABMs. TD U.S. Dollar Visa Cardholders may request a PIN by calling customer service.

Every Branch Banking

All Cards

Simply present your TD Visa Card at TD Canada Trust branches in Canada to access your TD Canada Trust accounts or receive cash advances up to your available credit limit.

Visit your TD Canada Trust branch to receive a PIN to access your TD Visa Account through Green Machine ABMs or other ABMs. TD U.S. Dollar Visa Cardholders may request a PIN by calling customer service.

Cheque Cashing Privileges

All Cards1

With your TD Visa Card, TD Canada Trust branches will cash almost any cheque drawn on a Canadian financial institution that's payable to you -- up to your available credit limit, to a maximum of $2,000 a day -- whether you have a TD Canada Trust account or not.

No-Fee TD Visa Cheques

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Classic Travel Credit Card
Classic Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD Green Credit Card
Green
Image of TD Emerald Credit Card
Emerald
Image of TD Venture Credit Card
Venture
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Rebate Rewards Credit Card
Rebate
Rewards
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel
Image of TD Driver Reward Card
Driver Rewards

You can use TD Visa Cheques just as you would a personal cheque. They can be used to charge goods and services directly to your TD Visa Account wherever credit cards aren't accepted. You can also use them to transfer non-TD Visa credit card balances to your TD Visa Account. Please note that TD Visa Cheques are treated as cash advances and accrue interest from the transaction date until full payment is received. Stop payments are not permitted.

Pre-Authorized Payment Service

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Classic Travel Credit Card
Classic Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD Green Credit Card
Green
Image of TD Emerald Credit Card
Emerald
Image of TD Venture Credit Card
Venture
Image of TD AAdvantage Platinum Credit Card
TD® / AAdvantage®
Platinum
Image of TD Rebate Rewards Credit Card
Rebate
Rewards
Image of TD Business Credit Card
Business

For added convenience, you can have your TD Visa Card payments automatically withdrawn from your bank account at any Canadian financial institution. Simply choose to have your minimum monthly payment or the full balance withdrawn from a personal chequing or savings account on the due date.

U.S. Dollar

TD U.S. Dollar Visa Cardholders can have their payments automatically withdrawn from any US Dollar chequing account in Canada or the United States.

Get more information.

The Power of Visa

Worldwide Acceptance

All Cards

TD Visa Cards are accepted in more than 300 countries around the world at more than 27 million retailers, restaurants and other merchants, including over 619,000 merchants across Canada.

Emergency Assistance from the Visa Service Centre

All Cards

Visa Service Centre representatives are ready to help 24 hours a day, seven days a week, anywhere in the world.

Emergency Card Replacement -- report your lost or stolen Card immediately and the Visa Service Centre will do its best to get a replacement Card to you wherever you are.

Emergency Cash Advance -- you can ask for an emergency cash advance in an amount determined by the type of TD Visa Card (subject to your available credit limit). Up to $5,000 for TD Gold, TD Platinum and TD Visa Infinite Cards. Up to your credit limit for TD U.S. Dollar Visa Cards. And up to $500 for all other TD Visa Cards. Available by request for TD Purchase Manager Visa Cards.

Message Service -- in the event of a personal emergency while travelling, messages can be forwarded to family members at home.

Information -- the Visa Service Centre can provide you with the location of the nearest Visa member office where you can receive cash advances, as well as the locations of embassies and consulates.

Guaranteed Hotel Reservations

All Cards

When you charge hotel accommodations to your TD Visa Card, you can request a guaranteed reservation. This assures that the room you asked for -- or a comparable substitute -- will be held, even if you arrive late, until checkout time the following day. Please note that cancellation fees may apply.

Chip Enabled Technology

All Cards

TD Visa chip Cards provide an added level of security through the use of a Personal Identification Number (PIN). The embedded computer chip stores information in a secure, encrypted format, making it more difficult for unauthorized users to copy or access the information on the Card. Cardholders will be required to enter their PIN when they make a transaction at a chip terminal (and no signature will be required), helping protect the Card from unauthorized use. Chip/PIN is part of a worldwide transition in most countries from magnetic stripe payment cards.

Visa payWave Technology

All Cards

TD Visa Consumer Cards will come equipped with Visa payWave*, a new “contactless” payment system that’s faster and more convenient than paying with cash. You can charge small dollar purchases directly to your TD Visa Card, simply by waving your Card in front of the Visa payWave terminal that you'll start to see at more and more merchants.

Balance Transfer Service

Image of TD First Class Travel Credit Card
First Class Travel
Image of TD Platinum Travel Credit Card
Platinum Travel
Image of TD Classic Travel Credit Card
Classic Travel
Image of TD Elite Credit Card
Elite
Image of TD Select Credit Card
Select
Image of TD Green Credit Card
Green
Image of TD Venture Credit Card
Venture
Image of TD Rebate Rewards Credit Card
Rebate
Rewards
Image of TD Emerald Credit Card
Emerald
Image of TD Business Credit Card
Business
Image of TD Business Travel Credit Card
Business Travel
Image of TD Driver Reward Card
Driver Rewards

You can use our Balance Transfer service to consolidate your debts from other non-TD Canada Trust credit cards, quickly and easily to your TD Canada Trust Credit Card. Just transfer the balance — at no cost — from your other non-TD Canada Trust credit cards to your TD Canada Trust Credit Card in real time. By doing this – it helps you keep track of your expenses with one monthly payment as opposed to multiple payments. Any non-TD Canada Trust-issued credit card is eligible for a Balance Transfer — including retail store credit cards, gas credit cards, and credit cards issued by other financial institutions. In some cases, a Balance Transfer could help you take advantage of a lower interest rate than what you currently have with your other financial institution’s credit card.

Initiate a Balance Transfer at your TD Canada Trust branch, through TD Canada Trust Credit Card Customer Service, or through a Specialist at EasyLine. The minimum allowable amount for a Balance Transfer is $250 per transfer; there is no maximum, provided you don’t exceed your available credit limit on your TD Canada Trust Credit Card Account. Balance Transfers are processed as Cash Advances to your Account. This means there is no interest-free grace period on Cash Advances (including Balance Transfers), so interest is charged on the amount of your Balance Transfer, at the rate that applies on your Account to Cash Advances, from the transaction date until we receive full payment of that amount.

Any Cardholder on a TD Canada Trust Credit Card Account can request a Balance Transfer, including the Primary Cardholder and any Authorized Users on the Account. Contact us today to conduct this no-fee service for you or about any questions you may have!