TD Low Rate Visa* Credit Card (2024)

Annual interest rates, fees and features are current as of September 4, 2024 unless otherwise indicated and subject to change.

¹ Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

⁺ The promotional annual interest rate of 8.99% ("Promotional Rate") only applies to Purchases made on new TD Low Rate Visa* Card accounts ("Account") during the first 6 statement periods following the Account opening ("Promotional Rate Period"). To obtain the Promotional Rate, Account must be approved byJanuary 6, 2025 and must continue to be open, active and in Good Standing during the Promotional Rate Period. This Promotional Rate of 8.99% is not available to customers who have made a Product Transfer to the TD Low Rate Visa* Card and customers who have opened and/or closed a TD Low Rate Card Visa* Account in the last 12 months. The Promotional Rate does not apply to any Cash Advances (inclusive of Cash-Like Transactions) or Balance Transfers. For Residents Outside of Quebec: At the end of the Promotional Rate Period of 8.99%, the annual interest rate for Purchases will increase, and the remaining balance of the Purchase Transactions will become subject to the annual interest rate of 12.90%. The annual interest rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. If we do not receive the full minimum payment (i) by the Payment Due Date shown on your statement, or (ii) before the date on which we prepare your next monthly statement (the "New Statement Date"), then you will lose the benefit of the Promotional Rate and your annual interest rate for Purchases will increase to 12.90%. For Quebec Residents only: At the end of the Promotional Rate Period, the annual interest rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to your annual interest rate of 13.90%. The rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. If we do not receive the full minimum payment (i) by the Payment Due Date shown on your statement, or (ii) before the date on which we prepare your next monthly statement (the "New Statement Date"),then you will lose the benefit of the Promotional Rate and your annual interest rate for Purchases will increase to 13.90% For all Accounts: In addition to failing to pay your minimum payments on time as described in these terms and conditions, if you transfer your Account to a different TD Credit Card during the Promotional Rate Period, the Promotional Rate will no longer apply to the TD Credit Card to which you are transferring. Offer may be changed, extended, or withdrawn at any time, without notice.

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

² Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.

³ Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

⁴ All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941 or visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Travel Medical Insurance that is automatically included with other TD Credit Cards.

⁵ All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.

⁷ Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

⁸ Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometre/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

⁹TD Auto Club is provided by an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub.

¹⁰ Cash Advance is subject to available credit. Fees apply to each Cash Advance and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.