An Introduction to Credit Card Points – TD Canada Trust (2024)

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc.Visit Air Canadafor complete terms and conditions of the Aeroplan program.

1TD Aeroplan Visa Infinite Credit Card: Purchase of Gas or Grocery or Air Canada Productsmeans 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.

2TD Aeroplan Visa Platinum Credit Card: Purchase of Gas or Grocery or Air Canada Productsmeans 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 Purchases charged to the Account as follows:

  • 1 Aeroplan point (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 $1.50 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.

3TD Aeroplan Visa Infinite Privilege Credit Card: Purchase of Gas, Grocery, Travel, or Dining or Air Canada Productsmeans 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 of travel products and services including hotels, flights and vacations booked via a third party travel agency or website, or a Purchase of dining items including those at restaurants, 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 “travel” or “dining” or “Air Canada” category. Aeroplan points are earned on Purchases charged to the Account as follows:

  • 2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of Air Canada Products (earned only on a maximum annual amount of $100,000 of Purchases of Air Canada Products); or
  • 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery, Travel or Dining Products (earned only on a maximum annual amount of $100,000 of Purchases of Gas, Grocery, Travel or Dining Products); or
  • 1.25 Aeroplan points earned for each $1 in all other Purchases.
  • Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $100,000 of Purchases of Air Canada Products, Gas, Grocery, Travel or Dining Products.

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, Travel, Dining or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery, Travel, Dining 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, Travel, Dining 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 Air Canada Bonus Rate and Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

4TD Aeroplan Visa Business Credit Card: Purchase of Travel or Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable and Phone services,means a purchase of travel or travel related services, or a purchase of dining items including those at restaurants, or a purchase made directly from Air Canada or of any of Air Canada’s products and services, or a purchase of shipping, Internet, cable and phone services used for your business, each from a merchant classified through the Visa network with a merchant category code(MCC)that identifies the merchant in the “travel” or “dining” or "Air Canada" or “shipping" , "internet, cable and phone services” or "Air Canada" category.Aeroplan points are earned on Purchases charged to the Account as follows:

  • 2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of Air Canada Products; or
  • 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Travel or Dining Products or Purchases of Shipping, Internet, Cable and Phone Services; or
  • 1 Aeroplan point earned for each $1 in all other Purchases.
  • Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $80,000 of Purchases of Air Canada Products, Travel or Dining Products, or Purchases of Shipping, Internet, Cable and Phone Services.

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 Travel, Dining or Air Canada Products or Purchases of Shipping, Internet, Cable and Phone Services. If you have earned Aeroplan points on the maximum annual amount of Purchases of Travel, Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable and Phone Services, charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Travel, Dining or Air Canada Products, or a Purchase of Shipping, Internet, Cable and Phone Services, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Air Canada Bonus Rate and the Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

5The 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.

6TD First Class Travel Visa Infinite Credit Card: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.

7TD Platinum Travel Visa Credit Card:Earn 5 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD("Online Travel Purchases")and charged to your TD Platinum Travel Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 3 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD("Phone Travel Purchases")and charged to your TD Platinum Travel Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

8TD Rewards Visa Credit Card:Earn 3 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD("Online Travel Purchases")and charged to your TD Rewards Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 2 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD("Phone Travel Purchases")and charged to your TD Rewards Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

9TD Business Travel Visa Card:Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD("Online Travel Purchases")and charged to your TD Business Travel Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD("Phone Travel Purchases")and charged to your TD Business Travel Visa Card Account("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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 Rewards Points.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

10TD Platinum Travel Visa Card:Earn 3 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$15,000 Cap: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 Grocery Purchases, then any further Grocery Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of Grocery Rebate:The Grocery Rebate is in place of, and not in addition to, the Standard Rebate.Merchant Category Codes:To earn the Grocery Rebate, the Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery" category. Some merchants may (i) sell groceries or grocery items; or (ii) have separate merchants located on their premises that also sell groceries or grocery items; but may not be classified with a grocery MCC and such Purchases will not earn the 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.

11TD Platinum Travel Visa Card:Earn 3 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa 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 TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$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 TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of PAP Rebate:The PAP Rebate is in place of, and not in addition to, the Standard Rebate.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

12TD Rewards Visa Card:Earn 2 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Rewards Visa Card Account ("Account") and earn 2 TD Rewards Points ("Restaurant Rebate") for every $1 in Purchases at restaurants including fast food restaurants ("Restaurant Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase or Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$5,000 Cap:Each of the Grocery Rebate and the Restaurant 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 Grocery Purchases or Restaurant Purchases, then any further Grocery Purchases and Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of Grocery Rebate and Restaurant Rebate:Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.Merchant Category Codes:To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and /or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery", "restaurant" or "fast food" category. Some merchants may (i) sell groceries or grocery items; (ii) provide restaurant service or sell fast food; or (iii) have separate merchants located on their premises that also sell groceries or grocery items, or provide restaurant service or sell fast food; but may not be classified with a grocery, restaurant or fast food MCC and such Purchases will not earn the Grocery Rebate or Restaurant 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.

13TD Rewards Visa Card:Earn 2 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa 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 TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$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 TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of PAP Rebate:The PAP Rebate is in place of, and not in addition to, the Standard Rebate.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

14TD Business Travel Visa Card:Earn 6 TD Rewards Points ("Restaurant Rebate") on each $1 in Purchases at restaurants ("Restaurant Purchases") charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$80,000 Cap:The Restaurant Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Restaurant Purchases, then any further Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of Restaurant Rebate:The Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Restaurant Rebate, the Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "restaurant" category. Some merchants may not be classified with a restaurant MCC and such Purchases will not earn the Restaurant 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.

15TD Business Travel Visa Card:Earn 6 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Business Travel Visa 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 TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.$80,000 Cap:The PAP Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate").Applicability of PAP Rebate:The PAP Rebate is in place of, and not in addition to, the Standard Rebate.Other Conditions:Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

16Customers will need to have an Aeroplan account in order to accessthe Aeroplan eStorelocated on Air Canada website.

All trade-marks are the property of their respective owners.

See Air Canada and Aeroplan trade-mark ownership details.

* Trademark of Visa Int., used under license.

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

An Introduction to Credit Card Points – TD Canada Trust (2024)
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