TD^® Aeroplan^® Visa Business Credit Card

Interest rates, fees and features are effective as of September 4, 2024, unless otherwise indicated, and are subject to change.

¹ Limited Time Promotional Offer includes a Welcome Bonus, Monthly Bonus, Mobile Wallet Bonus Offer and Annual Fee Rebate Offer (described below and collectively the "Offer"): is only available to the Primary Business Cardholder of TD^® Aeroplan^® Visa* Business Card Account ("Account"). Account with an Annual Fee of $149 ("$149 Account") must be opened and approved by January 6, 2025.

Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Primary Business Cardholder of the Account only after the first Purchase is made on the $149 Account, where such Purchase is made within 90 days of Account approval. The “Primary Business Cardholder” means the individual who is issued the TD^® Aeroplan^® Visa* Business Card account with an Annual Fee of $149. Please allow 8 - 12 weeks for your Welcome Bonus Points to be awarded.

To qualify for a monthly bonus of 2,500 Aeroplan points ("Monthly Bonus") during the first 12 months after Account approval (up to a total maximum of 30,000 Monthly Bonus Points), the Primary Business Cardholder must have at least $2,500 in net Purchases posted to their Account each month by the last day of each monthly billing period. Once you have earned 30,000 Monthly Bonus points during the first 12 months following Account approval, you will no longer be eligible for additional Monthly Bonus points. Purchases made during a billing period but posted after the end of that billing period will not count toward eligible spend for that month and count towards eligible spend for the next billing period. For example, if your monthly billing period is from September 15 to October 14, a Purchase that is made on October 14 (transaction date) and posts on October 15 (posting date) will not count as an eligible Purchase for that month and will count towards spend in the next month's billing period. If the September 15 to October 14 period was your 12th monthly billing period, then the Purchase that was made on October 14 and posted on October  15 would not count toward this Offer

Limited Time TD^® Aeroplan^® Visa* Business Card Promotional Offer ("Mobile Wallet Bonus"): Applies to the TD^® Aeroplan^® Visa* Business Card that is also an $149 Account Mobile Wallet Bonus starts September 4, 2024, and ends on January 6, 2025 (the "Offer Period"). The $149 Account will earn 10,000 bonus Aeroplan Points (the "Bonus Points") when a Primary Business Cardholder makes at least $250 in eligible Purchases using an eligible mobile wallet (Apple Pay, Google Pay, or Samsung Pay), where such Purchases are made within 90 days of Account approval and are not subsequently rescinded, the subject of a chargeback request or otherwise disputed.

The Annual Fee rebate portion of this Offer ("Annual Fee Rebate Offer") is available only for the first year after Account approval, for the (i) Primary Business Cardholder, and the (ii) first two Additional Cards issued for the same business, if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued on the same business, if any, is for the first year only. $149 Account must be opened by January 6, 2025. To receive the Additional Cardholder first -year Annual Fee rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account by January 6, 2025.  The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within two monthly statements from the date of the charge. The full Annual Fee will be charged to the Primary Business Cardholder Account and the Additional Accounts (if applicable), after the first year.

The 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 transferable. 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 $149 Accounts opened by one person, and the number of Welcome Bonus Points, the Monthly Bonus Points and the Mobile Wallet Bonus Offer Points awarded to any one Account. 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 open, active and in Good Standing at the time the Welcome Bonus points, Monthly Bonus Points and the Mobile Wallet Bonus Offer Points are awarded. Please allow 8-12 weeks after the conditions for each element of the Offer are fulfilled for the Welcome Bonus Points, the Monthly Bonus Points, and the Mobile Wallet Bonus Points to be credited to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Bonus Points not yet awarded.

² Business and business owner(s) are responsible for all transactions made on all accounts issued in the name of the business, including those made by Additional Cardholders.
³ 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.
⁴ "Primary Business Cardholder" means the individual who is issued the TD Aeroplan Visa Business Card with an annual fee of $149. Applicable airline benefits will be awarded to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business.
Preconditions/General T&Cs
⁵Free First Checked Bag The Primary Business 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.
⁶ 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. The day of departure from and the day of return to your province or territory of residence each count as one full day. 15-day coverage if you're under 65 and 4-day coverage if you're 65 or older. 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.
⁷ 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 directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, 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 direct through 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 direct through 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.
⁸ The Visa SavingsEdge Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.
⁹ Please ensure that you provide your own personal Aeroplan number to be linked to your credit card as linking a different loyalty number is prohibited. This Aeroplan number must be included on the qualifying reservation to access the airline benefits. 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 own personal Aeroplan number must be linked to a valid credit card account as verified by the bank that issued your Aeroplan credit card. Linking can be done by visiting www.aircanada.com/linkmycard. 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 to enjoy their credit card benefits.  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 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
¹⁰ The Primary Business Cardholder is entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in net purchases charged to the Primary Business Cardholder account (less any returns and credits) within an account year (being each consecutive 12-month period starting when the annual fee is charged) up to a maximum of 4 Guest Passes in an account year per Aeroplan Account. All net spend by Additional Cardholder(s) will count towards the spend of the Primary Business Cardholder as long as they are associated with the same Aeroplan Account. All earned Guest Passes will be deposited up to 2 weeks following the cardholder renewal year. Each Guest Pass will expire twelve (12) months from the date of issuance. One Guest Pass may be used for single admittance by the Primary Business Cardholder, Additional Cardholder(s), or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Air Canada Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude international Air Canada Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering an Air Canada Maple Leaf Lounge using a Guest Pass must be accompanied by the Primary Business Cardholder or Additional Cardholder. Anyone under the age of majority entering an Air Canada Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Air Canada Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Unused Guest Pass will automatically be cancelled on the date the credit card is closed, or if the credit card is changed to a different product. See all Air Canada Maple Leaf Lounges Terms and Conditions that apply.
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, then the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.
¹²Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip must be paid for 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.
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 Certificates of Insurance included with your TD Credit Cardholder Agreement.
¹⁴ 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 not permit you to decline their CDW coverage. It is important to call the rental agency before booking your car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Card Cardholder Agreement for rental exclusions and further details.
¹⁵ 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.
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 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 one (1) NEXUS statement credit 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.
¹⁸ Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
¹⁹ Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
²⁰ Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for 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.
²¹ You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.
²² Threshold Benefit: Aeroplan Elite Status Qualification Boost
For every $5,000 in net purchases (less any returns and credits) charged to the credit card account, the Primary Business Cardholder will receive 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS), to be deposited at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Additional Cardholder(s) are not eligible to receive SQM or SQS through this benefit; however, all net spend by Additional Cardholder(s) will count towards the spend of the Primary Business Cardholder as long as they are associated with the same Aeroplan Account. The Primary Business Cardholder may earn unlimited bonus SQM and SQS during an Elite Status qualification period. All Aeroplan Elite Status conditions apply.

²³ Primary Cardholders of a TD Core Credit card (TD^® Aeroplan^® Visa Infinite^* Card and TD^® Aeroplan^® Visa Business^* Card) are eligible to enroll for Avis Preferred Plus status. Enrollment into the Avis Preferred plus status is required by completing the Aeroplan form, and the status will be in effect immediately but may take up to 7 business days after enrollment registered by Avis to appear on your Avis Preferred^® profile.

Additional Cardholders do not qualify for Avis Preferred Plus status unless they hold 25K, 35K or 50K status in the Aeroplan Elite^TM Status Program. For full terms and conditions, please visit the Avis Preferred Status with Aeroplan page.

²⁴ Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in good standing underthe Aeroplan Terms and conditions.

For more information on Aeroplan's inactivity policy, please visit aircanada.com/aeroplan-inactivitypolicy for more details.

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

^®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

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

See Air Canada and Aeroplan trade-mark ownership details.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

^™ 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.

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

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

The Click to Pay icon () is a trademark owned by and used with permission of EMVCo, LLC.