Canadian Travel Credit Card Comparison: Most Popular Cards

This chart was originally posted on Sep 17, 2004 and was last updated on January 19, 2021

This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of some of the more popular travel rewards credit cards.

We also offer the following comparison charts:

Card	Card Type	Annual Fee	Additional Card Fee	Interest Rate	Foreign Transaction Fee	Minimum Income	Welcome Bonus	Renewal Bonus	Earning	Bonus Features	Miles & Points Deposited to	Travel Agency Redemption Value	Exchange Options	Redemption Centre	Common Carrier Travel Accident Insurance	Flight Delay Insurance	Delayed Baggage Insurance	Lost / Stolen Baggage Insurance	Damaged Baggage Insurance	Trip Cancellation	Trip Interruption	Travel Medical Insurance up to 64 years old	Travel Medical Insurance 65+	Auto Rental Loss Damage	Hotel / Motel Burglary Insurance	Purchase Protection	Price Protection	Extended Warranty	Companion Air Ticket	Business Class Lounge Access	Priority Check In	Notes	Rewards Canada Review	Card
*American Express® Air Miles Platinum® Credit Card**	Coalition	$120	$50	20.99% Purchase 21.99% Cash Advance	2.5%	N/A	2,000 Miles	0	1 Mile per $5 on eligible food and drinks and eligible gas and transit in Canada 1 Mile per $10 everywhere else	Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles)	AIR MILES	N/A	N/A	AIR MILES	$100,000	No	No	No	No	No	No	No	No	Up to $85,000	No	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	*American Express® Air Miles Platinum® Credit Card**
American Express Cobalt Card	Hybrid	$10 per month	$0	19.99%	2.5%	N/A	Up to 45,000 Points*	0	5 Points per dollar on food and drink 2 Points per dollar on travel, transit and gas 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$250,000	4 hours $500 per person	6 hours up to $500	Yes up to $500	Yes up to $500	No	No	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	* earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. Plus, when you apply by May 5, 2021, you can earn a Welcome Bonus of 15,000 Membership Rewards® points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership	Yes read it here	American Express Cobalt Card
American Express Gold Rewards Card	Hybrid	$150	$0 for first card $50* each additional card	30% Non Revolving	2.5%	N/A	25,000 Membership Rewards Points	0	2 Points per dollar at grocery stores, gas stations or drug stores and on all Travel purchases 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $500 per person	4 hours up to $500	Yes up to $500	Yes up to $500	No	Yes $1,500 per person	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	American Express Gold Rewards Card
BMO AIR MILES Mastercard	Coalition	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	500 Miles	0	2 Mile per $20 at AIR MILES Sponsors 1 Mile per $20 everywhere else	N/A	AIR MILES	N/A	N/A	AIR MILES	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	BMO AIR MILES Mastercard
BMO AIR MILES World Elite Mastercard	Coalition	$0 in first year then $120*	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	3,000 Miles *	0	1 Mile per $10	15% discount on AIR MILES flights in North America	AIR MILES	N/A	N/A	AIR MILES	$500,000	6 hours $500 per person	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,000 per person	15 days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	Yes*	Yes LoungeKey Membership + 2 Free Lounge Visit Passes	No	* Limited Time Offer	Yes read it here	BMO AIR MILES World Elite Mastercard
BMO Rewards Mastercard	Travel Points	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%		20,000 Points *	0	1 Point per dollar spent	1.99% introductory interest rate on Balance Transfers for 9 months* 1% fee applies to balance amounts transferred* 2x BMO Rewards points at participating National Car Rental®#† and Alamo Rent A Car®#† location	BMO Rewards	140 points = $1	N/A	BMO Rewards	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	No	No	* Limited Time Offer	No	BMO Rewards Mastercard
BMO World Elite Mastercard	Travel Points	$0 in first year then $150*	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	35,000 Points	0	3 Points per dollar on travel, dining, entertainment ^ 2 Points per dollar all other spending	N/A	BMO Rewards	140 points = $1	N/A	BMO Rewards	$500,000	6 hours $500 per person	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,000 per person	21 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes LoungeKey Membership + 4 Free Lounge Visit Passes	No	* Limited Time Offer ^ Up to $50,000 Annually	Yes read it here	BMO World Elite Mastercard
CIBC Aerogold Visa Infinite	Coalition	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	15,000 Miles	0	1.5 miles for every $1 spent on eligible gas, grocery, drugstores and aircanada.com purchases 1 mile for every $1 spent on all other purchases	N/A	Aeroplan	N/A	N/A	Aeroplan	$500,000	4 hours $500 per person	6 hours $500 per person	Yes up to $500	Yes up to $500	Yes $1,000 per person up to $5,000 maxmimum per account	Yes $2,000 per person	15 Days	3 Days	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes Annual Maple Leaf Lounge One Time Guest Pass when travelling on an Aeroplan flight reward operated by Air Canada	Yes but only on Aeroplan Reward tickets	N/A	No	CIBC Aerogold Visa Infinite
CIBC Aventura Visa Infinite Card	Travel Points	$120	$50 (up to 3)	19.99% Purchase † 22.99% Cash Advance †	See Terms †	$60,000 individual, or $100,000 household	Up to 20,000† Aventura Points	Up to 15000† Aventura Points	- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre † - 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores† - 1 point for every $1 spent on all other purchases†	NEXUS◊ application fee rebate† Access to 1,200+ airport lounges† Enjoy 4 complimentary lounge visits per year and a Priority Pass™ membership† The Aventura Travel Assistant† Travel planning, booking and emergency support, 24/7. And no booking fees† Mobile Device Insurance†	Aventura Points	N/A	N/A	CIBC Rewards	$500,000 COMMON CARRIER ACCIDENT INSURANCE†	Up to $500 per occurrence for all insured persons combined†	Up to $1,000 Lost/Stolen Baggage†	Up to $1,000 Lost/Stolen Baggage†	Up to $500 per insured person (maximum of $1,000 per occurrence for all insured persons combined)†	Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined) †	Up to $2,000 per insured person, per trip†	Up to $5,000,000 per insured person, per trip † 15-day coverage period if age 64 or under on your departure date †	Up to $5,000,000 per insured person, per trip 3-day coverage period if age 65 or over on your departure date†	Rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000† Rental period of up to 48 days†	Up to $2,500 per occurrence for all insured persons combined †	Up to 90 days from date of purchase†	No	Up to one additional year following the expiry of the original manufacturer’s warranty †	No	No	No	N/A	No	CIBC Aventura Visa Infinite Card
Desjardins Odyssey World Elite Mastercard	Travel Points	$130	$0	19.9%	2.5%	$80,000 Personal or $150,000 Household	0	0	1.5% of spending up to $20,000 2% of spending over $20,000	20% bonus BONUS DOLLARS in annual spending up to a maximum of 200 BONUS DOLLARS*	BONUS DOLLARS Rewards	1 Bonus Dollar = $1	N/A	Any travel provider	$1,000,000	No	6 hours up to $500	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person	Yes Unlimited coverage	60 days up to age 59 31 days for ages 60-64	15 days for ages 65-75	Up to $85,000	No	Yes 90 Days	No	Yes	No	Yes 8 free passes to the Desjardins Odyssey Lounge at Montréal-Trudeau Airport	No	* Only for residents of Ontario and Quebec - Terms and Conditions apply	No	Desjardins Odyssey World Elite Mastercard
HSBC World Elite Mastercard	Hybrid	First year fee rebate then $149 (Quebec does not receive first year fee rebate)	$50	19.9% Purchase 22.9% Cash Advance	0	$80,000 personal or $150,000 household or $400,000 in assets at any Canadian Financial Institution	Up to 40,000 points (up to 70,000 in Quebec)	0	6 Points per dollar on travel 3 Points per dollar all other spending	$100 annual travel enhancement credit Unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide	HSBC Rewards	100 points = $0.50	2.5 points = 1 British Airways Executive Club Avios 3 points = 1.35 Singapore Airlines KrisFlyer Miles 3 points = 1.2 Cathay Pacific Asia Miles	Any Travel Provider	$500,000	No	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,000 per person up to $5,000 maxmimum per account	Yes $2,000 per person up to $5,000 maxmimum per account	31 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes LoungeKey Membership	No	N/A	Yes read it here	HSBC World Elite Mastercard
Marriott Bonvoy™ American Express® Card	Hotel	$120	$0	19.99% Purchase 21.99% Cash Advance	2.5%	N/A	60,000 Points + $120 statement credit	Annual Free Night Award at eligible hotels and resorts worldwide 15 Elite Night Credits each calendar year	5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy® properties 2 points for every $1 in all other Card purchases	Automatic Silver Elite status membership Enjoy an automatic upgrade to Gold Elite status when you reach $30,000 in purchases on the Card each year.	Marriott Bonvoy	N/A	Transfer points to 40 airlines 3,000 Points = 1,000 miles + 5,000 bonus miles when you convert 60,000 points	Marriott Bonvoy	$500,000	4 hours $500 per person	6 hours $500 per person	Yes up to $500	No	No	No	No	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	N/A	No	Marriott Bonvoy™ American Express® Card
mbna Alaska Airlines World Elite® Mastercard®	Airline	$99	$0	19.99% Purchase 24.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	30,000 Miles *	0	3 Miles per dollar spent on Alaska Airlines purchases 1 Mile per dollar on all other spending	First Checked Bag free on Alaska Airlines flights for up to 6 guests	Alaska Airlines Mileage Plan	N/A	N/A	Alaska Airlines Mileage Plan	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	Yes	Yes	Annual companion fare from from $121 (USD) ($99 plus taxes and fees from $22)	No	No	* when you spend $1,000 within 90 days	Yes read it here	mbna Alaska Airlines World Elite® Mastercard®
MBNA Best Western Rewards Mastercard	Hotel	$0	$0	19.99% Purchase 24.99% Cash Advance	2.5%	N/A	20,000 Points	0	5 points per dollar spent on Best Western Purchases 1 Point per dollar spent everywhere else	Gold Status”upon first use of your credit card and Diamond Status when you spend $10,000 in eligible purchases within one year◊◊	Best Western Rewards	N/A	Transfer points to 17 airlines	Best Western Rewards	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	No	Yes	No	No	No	N/A	No	MBNA Best Western Rewards Mastercard
MBNA Rewards World Elite Mastercard	Travel Points	$120	$0	19.99% Purchase 24.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	30,000 Points *	0	2 points for every $1 spent	N/A	MBNA Rewards	1,000 Points = $10	N/A	Any Travel Provider	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	Yes	Yes	No	No	No	20,000 bonus points†† after you make $2,000 or more in eligible purchases within the first 90 days of your account opening and 10,000 bonus points once enrolled for paperless e-statements within the first 90 days of account opening This offer is not available for residents of Quebec. For residents of Quebec, please click here.	No	MBNA Rewards World Elite Mastercard
National Bank World Elite Mastercard	Travel Points	$150	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	$300 cash back when you spend $4,000 in the first four months	0	1.5 Points per dollar for spend between 0 & $40,000 2 Points per dollar for spend between $40,001 - $80,000 1.5 Points per dollar for spend between $80,001 & up 3 to 3.5 points per dollar spent via NBC À la carte Travel	Refund of up to $250 per year on seat selection ($50), airport parking ($100) and baggage fees ($100).	À la carte Rewards	12,000 Points = $100 55,000 Points = $500 77,000 Points = $700 110,000 Points = $1000	N/A	Any Travel Provider or À la carte Rewards	No	4 hours $500	6 hours $500	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person	Yes $5,000 per person	60 days up to 54 years old 31 days for 55-64 years old	15 days to 74 years old	Up to 48 Days Up to $65,000 MSRP	No	Yes 180 Days	No	Yes Triple	No	Yes only to the National Bank Lounge at Montréal-Trudeau Airport	No	* Apply by Oct 31, 19	No	National Bank World Elite Mastercard
Platinum Card from American Express	Hybrid	$699	$175 annually for Platinum Cards; $50 annually for Gold cards	30% Non Revolving	2.5%	N/A	50,000 Points	0	1.25 points per dollar	$200 Annual Travel Credit Elite status with Marriott Bonvoy, Radisson Rewards, Hilton Honors, Shangri-La Golden Circle, Hertz & Avis	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 0.4 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $1,000 per person	6 hours $1,000 per person	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,500 per person up to $6,000 maxmimum per account	15 Days up to 65 years old	No	Up to $85,000	Yes up to $1,000	Yes 120 Days	No	Yes	Yes	Yes Priority Pass (Unlimited access) American Express Lounge Access Program Delta SkyClubs	No	N/A	No	Platinum Card from American Express
RBC British Airways Visa Infinite Card	Airline	$165	$75	20.50% 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	50,000 Avios*	0	2 Avios per dollar spent on British Airwys flights 1 Avios per dollar spent on all other spending	10% off British Airways flights when you book and pay with your card 250 bonus Avios when you rent a car with Avis and pay with your card	British Airways Executive Club	N/A	N/A	British Airways Executive Club	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	No	No	31 Days	7 Days	Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes	Earn a companion voucher when you spend $30,000 CAD annually	No	No	* Step 1: Receive 15,000 Avios as welcome bonus upon approval Step 2: 25,000 bonus Avios when you spend $5,000 CAD in the first two months Step 3: Another 10,000 bonus Avios when you renew your card after your first year	No	RBC British Airways Visa Infinite Card
RBC Visa Infinite Avion	Hybrid	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	35,000 Points *	0	1.25 Points per dollar on travel 1 Points per dollar	N/A	RBC Rewards	up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel	1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar	RBC Rewards	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	Yes $1,500 per person up to $5,000 maxmimum per account	Yes $1,500 per person up to $5,000 maxmimum per account	15 Days	3 Days	Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes	No	No	No	* Limited time offer	Yes read it here	RBC Visa Infinite Avion
Scotiabank Gold American Express Card	Travel Points	$120	$29	19.99% Purchase 22.99% Cash Advance	0%	$12,000	20,000 points	0	5 points per dollar spent at eligible grocery stores, on dining and entertainment* 3 points per dollar spent at eligible gas stations, daily transit and select streaming services 1 point per dollar spent everywhere else	N/A	Scotia Rewards	1,000 points = $10	Convert to SCENE Points	Any travel provider or Scotia Rewards	$500,000	4 hours $500 per person	4 hours $1,000 in total	Yes up to $1,000	No	Yes $1,500 per person	Yes $2,500 per person	25 Days	3 Days	Up to $65,000 MSRP	Yes up to $1,000 in Canada and the U.S.	Yes 90 days	No	Yes	No	No	No	* On the first $50,000 in those categories	Yes Read it here	Scotiabank Gold American Express Card
Scotiabank Passport Visa Infinite card	Travel Points	$139	$0 for first card $50 for each additional	19.99% Purchase 22.99% Cash Advance	0%	$60,000 Personal or $100,000 Household	25,000 Points *	0	2 points per eligible dollar spent on grocery, dining, entertainment and daily transit (including buses, subways, taxis, Ubers and more)** 1 point per dollar spent outside of the categories listed above	10,000 points if you spend $40,000 on the card annually	Scotia Rewards	1,000 points = $10	Convert to SCENE Points	Any travel provider or Scotia Rewards	$500,000	4 hours $500 per person	4 hours $1,000 in total	Yes up to $1,000	No	Yes $2,500 per person	Yes $2,500 per person	25 Days	10 days	Up to $65,000 MSRP	Yes up to $1,000 in Canada and the U.S.	Yes 90 days	Yes 60 days up to $100 per item $500 max per year	Yes	No	Yes Free membership in Priority Pass + 6 free lounge visits	No	* Limited time offer after you spend $1,000 in the first 3 months ** On the first $50,000 in those categories	Yes read it here	Scotiabank Passport Visa Infinite card
TD Aeroplan Visa Infinite Card	Airline	$0 in first year then $139¹	$0 in first year for the 1st additional card then $75²	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal income or $100,000 Combined Household Income	Up to 20,000 Points and a bonus Buddy Pass¹	0	1.5 miles⁴ per dollar on eligible Air Canada, grocery, and gas stations Purchases 1 mile⁵ for every dollar on all other Purchases made with your Card	One complimentary first checked bag NEXUS Fee rebate: Up to $100 every 48 months 1.5 bonus Aeroplan points for each $1 spent on eligible purchases at participating Starbucks® locations¹⁷. Conditions Apply. Offer ends November 7, 2021	Aeroplan	N/A	N/A	Aeroplan	$500,000¹⁰	4 hours $500 per person¹⁰	6 hours $1,000 per person⁹	Yes up to $1,000⁹	No	Yes $1,500 per person⁸	Yes $5,000 per person⁸	21 days⁷	4 days⁷	Up to $65,000 MSRP¹¹	No	Yes 90 days	No	Yes	No	No	No	N/A	Yes Read it here	TD Aeroplan Visa Infinite Card
TD First Class Travel Visa Infinite Card	Travel Points	$0 in first year then $120¹	$0 in first year for the 1st additional card then $50²	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal income or $100,000 Combined Household Income	Up to 60,000 Points¹	0	3 Points per dollar⁷ 9 Points dollar online at ExpediaForTD⁸ 6 Points dollar via the phone at ExpediaForTD⁸	N/A	TD Rewards	200 Points = $1 with Expedia for TD³ 250 Points = $1 for the book anywhere option	N/A	Any Travel Provider or TD Rewards	$500,000	No	6 hours $1,000 per person	Yes up to $1,000	No	Yes $1,500 per person	Yes $5,000 per person	21 days	4 days	Up to $65,000 MSRP	No	Yes 90 days	No	Yes	No	No	No	See terms below in the footnotes	No	TD First Class Travel Visa Infinite Card
WestJet RBC World Elite Mastercard	Airline	$119	$59	19.99% Purchase 21.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	350 Dollars*	0	2% on WestJet purchases 1.5% on all other purchases	First Checked Bag free on WestJet flights for cardholder and up to 8 guests	WestJet Rewards	N/A	N/A	WestJet Rewards	$500,000	4 hours $500 per person ($250 per day)	No	No	No	No	Yes $5,000 per person	15 days	3 days	Up to $65,000 MSRP	Yes Up to $2,500	Yes 90 Days	No	Yes	Annual $99 / $299 / $399 Companion Flight	Yes LoungeKey Membership	No	* Limited time offer ends January 6, 2020	Yes Read it here	WestJet RBC World Elite Mastercard

Footnotes

Show All

Card	Legal
MBNA Rewards Platinum Plus® Mastercard®	Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button. ^{‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. You will earn two (2) points per dollar spent on eligible gas, grocery and restaurant purchases to a maximum annual amount of $5,000 in each category. Eligible purchases that are not eligible gas, grocery and restaurant purchases will earn a Base Earn Rate of one (1) point per dollar. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA. **Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.}
MBNA Rewards World Elite® Mastercard®	Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button.^{‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 20,000 points will be awarded if $2,000 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 10,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. †††† To be eligible for a World Elite Account, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater. Additional account qualification criteria apply as set out in this application. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.}
TD Aeroplan Visa Infinite Card	The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. ^{Interest rates, fees and features are effective as of January 18, 2021, unless otherwise indicated, and are subject to change. The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program. 1 Must apply by May 30, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by May 31, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points, additional bonus Aeroplan points and bonus Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass to be credited to your Aeroplan Member account. The bonus Buddy Pass entitles a companion to accompany the Primary Cardholder for a $0 base fare, when a published Economy Class fare marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand is booked for travel wholly within North America. The pass is valid for 12 months from the date of issuance. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once for travel wholly within North America, which is defined as Canada , the United States (including Hawaii) and Mexico. Companion will be responsible to pay all applicable taxes, fees, and charges that apply above the base fare. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase of a ticket, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. The pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the pass is reinstated in the Primary Cardholders account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable and all applicable taxes, fees, and charges that apply above the base fare. Companions who are members of the Aeroplan program or other partner frequent flyer programs will not be eligible to accumulate points or miles for the ticket issued in exchange for the companion pass. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows for such benefits and upgrades. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services are subject to the General Conditions of Carriage & Tariffs and any other terms and conditions relating to air transportation services in effect at the time of booking, as determined by Air Canada in its sole discretion and as may be changed from time to time. This one-time bonus Buddy Pass is only valid for eligible cardholders. You will not be eligible for the bonus Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. This offer may be changed, cancelled or extended at any time and cannot be combined with any other offers. 2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. 3 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions: https://www.aircanada.com/ca/en/aco/home/plan/baggage.html. 4 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program: https://www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html 5 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase made directly from Air Canada or of any of Air Canada’s products and services, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows: • 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or • 1 Aeroplan point earned for each $1 on all other Purchases. Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account. 6 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer 7 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. 8 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card. 9 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions (https://www.visainfinite.ca/infinite/en/terms.html), including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy (https://www.visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies. 10 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 Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. 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. 11 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, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers. 12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. 13 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan 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. 14 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant® is a registered trademark of Assurant, Inc. 15 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) 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 car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details. 16 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only. 17 Limited Time Promotional Offer: Applies to the TD® Aeroplan® Visa Infinite* Card (the Account). Offer starts November 8, 2020 and ends November 7, 2021 (the Offer Period). The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1.5 Bonus Aeroplan points for each $1.00 in Purchases charged to the Account at participating Starbucks® locations in Canada (the "Starbucks Bonus Aeroplan Earn Rate"). All reloads on the Starbucks mobile application and in-store purchases at company-operated stores are eligible. In-store purchases at licensed stores are excluded from this offer. To learn if a Starbucks location is a participating location, click here. Starbucks purchases made through UberEats are not eligible for this promotion. The Starbucks Bonus Aeroplan Earn Rate earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account. If the Purchase does not qualify for the Starbucks Bonus Aeroplan Earn Rate, you will earn the base earn rate of 1 Aeroplan point for each $1.00 in Purchases charged to the Account. Your Account must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan points earned on the original eligible Purchase. Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Earn Rate to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation Limited. All trade-marks are the property of their respective owners. See Air Canada and Aeroplan trade-mark ownership details. (https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/trademark-legal.jsp) ™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license. * Trademark of Visa Int., used under license. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank. Annual interest rates, fees and features are subject to change.}
*TD® First Class Travel® Visa Infinite Card**	Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button. ^{+ Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. 1 Must apply by November 7, 2020. Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel® Visa Infinite* ("Account") only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional 40,000 TD Points, you must make $1,500 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional 40,000 TD Points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by November 8, 2020. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 6 months. We reserve the right to limit the number of Accounts opened by and the number of TD Points awarded to any one person. 2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. 3 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments 4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com 5 Subject to carrier/space availability. 6 TD Points do not expire as long as you are a Cardholder. 7 TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment. 8 Expedia For TD is operated by Expedia, Inc. at www.tdrewards.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. 9 Earn 9 TD Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 10 Earn 3 TD Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD 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 Points. 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. * Trademark of Visa International Service Association and used under license. ®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.}