TD Business Travel Visa* Welcome Guide
TD Business Travel Visa*Welcome GuideDiscover your TD Business Travel Visa* CardThe smart way to dobusiness and travel.Getting Started3Manage Expenses8Earn TD Rewards Points12Redeem TD Rewards Points15Travel Benefits18Business Card Benefits21Card Security23Contact and Support302
Getting StartedYour new TD Business Travel Visa* CardQuick steps for getting started and making the most of your Card:ǥ Learn more about the features and benefits of your TD BusinessTravel Visa* Card by calling 1-800-983-8472 to speak with aBusiness Credit Card specialist. Don’t forget to sign your business Card!ǥ Register at TDRewards.com to track how many TD Rewards Pointsyou’ve earned and discover the redemption options available to you.ǥ Update your business Card as the primary card on your favouritemobile apps, like auto-reloads and transportation, to make everydaybusiness purchases more convenient1.ǥ Learn how to add your business Card to Apple Pay attd.com/applepay if you have an iPhone, to make convenient,everyday business payments with just a tap of your phone.ǥ Set up regularly recurring bill payments on your TD BusinessTravel Visa* Account with participating merchants so bills are paidautomatically on their due dates. You’ll save time and avoid late fees.ǥ Register for online statements on EasyWeb Online banking to savetime and stay organized.ǥ Learn more about the TD app at td.com/app and how to accessyour business credit card Account almost anywhere. Plus, you canbank at home or on the go.34
Help and assistancePay with Visa payWave*ǥ If your TD Credit Card is damaged or not working, you can requesta replacement card online through EasyWeb, through the TD appusing your mobile device or by phone at 1-800-983-8472.Visa payWave* technology is a secure, convenient, contactless way topay for small-dollar purchases at participating retailers. It’s faster andmore convenient than cash – and your Card never leaves your hand.ǥ If your TD Credit Card has been lost or stolen, you must immediatelyreport this to us by phone at 1-800-983-8472.Save time with Apple Payǥ Fast, reliable access to cash. You can ask for an emergency CashAdvance of up to 5,000 in emergency funds (subject to youravailable credit limit) at over one million ATMs worldwide, at allTD branches and at select financial institutions around the world.ǥ Getting information when you need it. The TD Credit Card ContactCentre can help you with important information, such as the locationof the nearest Visa member office for Cash Advances or contactnumbers for embassies and consulates.ǥ Stay connected to important people. In the event of an emergency,messages can be forwarded to family members at home.Cover business expenses with TD Visa* ChequesIf you need to pay for a business expense that can’t be charged to acredit card, use TD Visa Cheques2 anywhere cheques are accepted, andthe amount of your business expense will be processed directly to yourTD Business Travel Visa* Card Account as a Cash Advance.Apple Pay is accepted in a growing number of shops, restaurants andother retailers. Many apps have also added Apple Pay to their acceptedmethods of payment. Just look for the Apple Pay or contactless paymentsymbols at the checkout.Learn how to add your Card at td.com/applepayShop online simply with Visa CheckoutVisa Checkout3 makes it easy to pay online with your TD Credit Card.Sign up for Visa Checkout, a service available from Visa that simplifiesthe online checkout process. It’s available anywhere you see theVisa Checkout logo.Enroll now: Visit visacheckout.caTo learn more call 1-800-983-8472.Manage your Account, your wayTD Green Machine ATMsEasyWeb Online bankingBusiness Credit Card specialistTD appAccess and manage your CardAccount at any of our ATMs.Manage your Card Account easilyonline.Give us a call to access or manageyour Card Account.Get secure access to TD’s mobilebanking service anywhere you are.Find an ATM attd.com/branchlocator5Go to easyweb.td.com1-800-983-8472Learn more at td.com/app6
Manage ExpensesStay on top of your business credit card spending with theTD Card Management ToolAs a business owner, you have a lot on your plate. That’s why when youget a TD Business credit card, you also get exclusive access to theTD Card Management Tool – designed to save you time and make yourday-to-day easier.You can access and organize the information you need to help you makeinformed decisions about what matters most.By separating your business and personal expenses, you can geta clear, real-time view of your spending behaviour and balances, all inone easy-to-use online tool. Plus, you can create custom reports, trackyour employees’ spending, reallocate your credit limits and apply spendcontrols with the click of a button.It’s just business, not personalWhen you get a business credit card with TD, you get access to theTD Card Management Tool.This easy-to-use tool lets you:ǥ Redistribute your business’s available credit between Cardholdersany timeǥ Easily set restrictions on spend type, geography and thresholds ofyour Cardǥ Have the ability to temporarily turn a Card on and offǥ View a dashboard of your key business expensesǥ Track your and your employees’ spendingǥ Create numerous customizable reports with up to 18 months ofbusiness transaction dataǥ Search your spending by date, amount or vendorǥ Access your balances and payment history, and more.Find out more at td.com/cmt78
Separate business from personal spendingDon’t mix business with pleasure is a common saying, but not everyonefollows that advice when it comes to their credit cards. By keepingyour business expenses and personal spending separate, you can takeadvantage of the TD Card Management Tool.ǥ Track Employees’ Usage: Ever wonder who’s spending what andwhere? Now you can organize spending reports by Cardholderor supplier category, so you always know how your funds arebeing spent.ǥ Watch Your Spending: The TD Card Management Tool’s dashboardmakes it easy to view your expenses at a glance or take an in-depthlook through category and individual Cardholder spend views.ǥ Get the Added Confidence of Spend Control: As a business owner,the TD Card Management Tool makes it easy to stay in control whileemployees are spending on behalf of your business. With SpendControls, you can temporarily block Cards as well as set limits onemployee transactions, from the dollar amount to the geographiclocation to the type of transaction that’s permitted.ǥ Redistribute Credit Limits: It’s never been so easy to reallocate yourcredit limits. Redistribute your available credit between Cardholders tomeet your specific business needs with the simple click of a button.ǥ Customize Reporting Periods: You can gain new insights about yourbusiness by setting reporting periods between any dates you choose –not just your billing cycle.Get StartedCall UsTry it today in your EasyWebBusiness Account.Get in touch to find out more aboutthe TD Card Management Tool.1-866-222-3456Go to td.com/cmtǥ View Balance & Payment History: Delve into an archive of yourbalances, payments and reports to monitor changes in spendingbehaviour over time.Take control9FlexibilitySelf-serveMove credit limits between yourCards any time.Easy-to-use features put yourfinances in your hands — anytime,anywhere.Faster and easierPaperlessSimplified expense managementmeans more time to focus ongrowing your business.All your reports are convenientlyorganized in one place online.10
Earn TD Rewards PointsYour TD Rewards PointsWith your TD Business Travel Visa* Card, you earn4 TD Rewards Pointswith every business Purchase and redeem them how and when you want.ǥ Earn 9 TD Rewards Points for every 1 when you book travel onlinethrough ExpediaForTD.com using your Card5.ǥ Earn 6 TD Rewards Points for every 1 in foreign currency purchases6,restaurant purchases7 and regularly recurring bill payments8.ǥ Earn 2 TD Rewards Points for every 1 you spend on all otherpurchases9.ǥ Enjoy ExpediaForTD.com, your exclusive travel booking site withspecial offers designed just for you. With ExpediaForTD.com, you canbe confident that you’ll earn the most rewards points and get thebest point redemption value.ǥ No travel blackouts11, no seat restrictions11 and no expiry for yourTD Rewards Points12.ǥ Turn your everyday business purchases into TD Rewards Points thatyou can also redeem for retail business merchandise, gift cards andmore.ǥ Your TD Rewards Points never expire as long as you are a Cardholder.Earn more with regularly recurring bill paymentsSet up Pre-Authorized Payments on your account for business expenses,like utilities or phone bills. You’ll earn TD Rewards Points, and your bills willbe paid automatically on their due dates.1112
150Foreign currencyexchanges 3,000618,000 90Travel 10,0009booked throughExpedia for TD (flights, hotels, car rentals and more)90,000 450Office supplies andequipment20,000 10,0002 1,300 with Expedia For TDA round-trip flight190,000 950 with Expedia For TDA stay in a hotel130,000 650 with Expedia For TDPart of my travel purchase30,000 150 with Expedia For TD 0 100Redemption ValueRegularly recurring 30,0006180,000bill paymentsset up on the Card (such as Internet, business insurance and utilities) 900TOTAL: 338,000 TD Rewards Points Travel redemption value of 1,690† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.Travel redemption value is when booked through Expedia For TD. Every 200 points 1travel spend on Expedia For TD. For example, 30,000 points 150 Expedia For TD travel.Redeem TD Rewards PointsYour redemption optionsThe TD Rewards Program provides you with the flexibility to redeem yourTD Rewards Points for what you want – business travel purchases, retailmerchandise, gift cards and so much more. Discover the possibilities atTDRewards.com.Travel where you wantǥ Expedia For TD10Redeem12 your TD Rewards Points through ExpediaForTD.com,available exclusively to TD Credit Cardholders who earn travel rewards.Book business travel while earning TD Rewards Points fast or redeemyour TD Rewards Points for any Expedia For TD purchase you makewith the Card, including taxes & fees. You can search over a millionflights, hotels, packages and more!13A round-trip flight and hotel package260,000 30,000 2,200 with Expedia For TD2016An all-inclusive vacation440,19900 5,000 2,201 with Expedia For TD 13Restaurant mealsA short-haul business-class flight440,200 2,Travelredemptionvalue: 950TotalTD RewardsPoints inone year forthis type ofpurchase: 650Number ofTD RewardsPointsearned onevery 1charged forthis type ofpurchase: 150Amountcharged toyour Card inone yearTD Rewards PointsType of PurchaseExpedia For TD Redemption Value †† 2200How many TD Rewards Points could I get in the first year?††† This chart is for illustrative purposes only. TD Rewards Points must be redeemed inminimum 200-point increments for travel purchases charged to your Card that arebooked online or by phone through Expedia For TD.ǥ Book Any Way Travel Purchases12You can also book your business trip through other travel agencies orwebsites to take advantage of any discounts and last-minute dealsthey offer. Whether you want to take clients for a round of golf or parkat the airport, you have the flexibility to use your TD Rewards Pointstowards all kinds of travel expenses – including taxes – within 90 daysof this type of travel purchases! Visit tdrewards.com/book any way.Shop for your business using your rewardsShop The CatalogueShop The MallPurchase the latest brand-namemerchandise available throughthe Catalogue. Choose from awide selection of retail brandsand categories, includingelectronics, appliances, gift cardsand so much more.With Shop The Mall, you canshop at participating onlineShop The Mall retailers for thethings you want for your businessand redeem your TD RewardsPoints towards your purchaseat checkout.14
Financial Rewardsǥ Pay with RewardsRedeem your TD Rewards Points for a cash credit to help pay downyour TD Business Travel Visa* Card Account.ǥ Redeem for EducationTD Rewards Points can be redeemed for education credits fromHigherEdPoints to help cover tuition and other higher educationcosts at over 100 participating institutions for yourself, anemployee, a relative or a friend.Explore TDRewards.comRegister today at TDRewards.com to take advantage of your TD RewardsPoints. On the go? Access TDRewards.com through EasyWeb or theTD app to view or redeem your TD Rewards Points. At TDRewards.com,you can:ǥ Get inspired and discover the wide range of redemption optionswaiting for you. Save your TD Rewards Points for that business trip ortreat yourself with something great through Shop The Catalogue.ǥ Watch your TD Rewards Points balance grow – your Rewards Historystatement shows how much you’ve earned with each purchasemade with your business Card.ǥ Track how close you are to being rewarded – your personalized GoalTracker tool lets you set redemption goals and check how close youare to earning them.ǥ Be one of the first to find out about special offers – sign up to receivethe TD Traveller Newsletter and the Weekly Special Offers emails.1516
Travel BenefitsTravel Medical Insurance13You have coverage for eligible medical emergencies without evenhaving to charge the trip to your business Card. To help you with theconsequences of eligible unforeseen events, your TD Business TravelVisa* Card includes Travel Medical Insurance, which provides:ǥ Up to 2 million of comprehensive emergency medical coverage forwhen you are travelling outside of your province or territory, whetherwithin Canada or internationallyǥ No out-of-pocket costs for eligible emergency medical expenses,when possibleǥ 24/7 emergency medical assistanceǥ Coverage for the first 15 days of your trip. If you or your spouse isaged 65 or older, you have coverage for the first 4 days of your trip.For longer trips, top-up coverage is available for purchase by calling1-800-293-4941.Enjoy a suite of insurance benefits with your Cardǥ Flight/Trip Delay Insurance14If your flight/trip is delayed for longer than four hours, each insuredperson could receive up to 500 for reasonable and eligible hotel,motel and restaurant expenses when you charge the full cost of yourflight on your business Card and/or TD Rewards Points.ǥ Trip Cancellation Insurance/Trip Interruption Insurance15Help protect yourself from cancellations and recover eligible tripexpenses. With Trip Cancellation, receive up to 1,500 of coveragefor each insured person, up to a maximum of 5,000 for all insuredpersons.Your time is valuable. When facing a trip interruption, you can receiveup to 5,000 of coverage per insured person, with a maximum of 25,000 for all insured persons on the same covered trip.ǥ Common Carrier Travel Accident Insurance16Up to 500,000 of coverage for covered losses while travelling on acommon carrier (for example, a bus, ferry, plane or train).1718
ǥ Delayed and Lost Baggage Insurance14If your baggage is delayed for longer than six hours, each insuredperson is eligible for emergency purchases of essentials, suchas clothing and toiletries. Coverage may also be provided if yourbaggage is lost by a Common Carrier. Charge the full cost ofthe tickets with your business Card and/or TD Rewards Points, soeach insured person may be eligible for coverage up to an overallmaximum of 1,000 per trip.ǥ Auto Rental Collision/Loss Damage Insurance17Use your business Card and/or TD Rewards Points to pay for the fullcost of an eligible car rental and get the Collision Damage Waiver(“CDW”) coverage at no additional cost for up to 48 consecutivedays. Please note, some rental agencies may require you to buythe CDW coverage from them. It’s important to contact the rentalagency before reserving a car to verify their policies.Discount on a Priority Pass MembershipAll TD Business Travel Credit Cardholders receive an annual discount ona Priority Pass membership18, your key to over 1,000 VIP airport loungesworldwide.Enroll now at enrol.prioritypass.com/tdtravelcardsEmergency Travel Assistance Services19Help is just a call away. Get toll-free access to help, should you havea personal emergency while travelling. Emergency Travel AssistanceServices can help you with:ǥ Translation services in the event of an emergency situationǥ Lost document and ticket replacementSave with Avis Rent a Car and Budget Rent a CarSave a minimum of 10% on the lowest available base rates20,21 in Canadaand the U.S., and a minimum of 5% on the lowest available base rates20,21internationally, on qualifying car rentals at participating Avis and Budgetlocations.ǥ Avis: You can reserve your Avis car rental by visitingavis.com/tdcreditcards. Quote Avis Worldwide Discount (“AWD”)#C078400 at time of reservation and charge the full rental to yourTD Business Travel Visa* Card.ǥ Budget: You can reserve your Budget car rental by visitingbudget.com/tdcreditcards. Quote Budget Customer Discount (“BCD”)#A331700 at time of reservation and charge the full rental to yourTD Business Travel Visa* Card.ǥ Emergency Cash Transfer in the event of a theft, loss or emergency.Our Administrator can assist you with obtaining a Cash Advancewhich will be charged to your Account.In Canada and the U.S., call 1-800-871-8334. In other countries, callcollect 416-977-8297.1920
Add Additional CardsNeed more Cards for your business? Easily apply for and manageadditional Cards23 for your employees.Find out how at td.com/getstartedbusinesscardOptional Business TD Auto Club MembershipWith optional Business TD Auto Club Membership 24, you know that if aroad emergency should happen, help is just a phone call away.Find out more at td.com/businessautoclubBalance TransferBusiness Card BenefitsDedicated business solutionsExperience you can trust, customer support you can count on andsolutions that adapt as you grow. Our dedicated advisors will take thetime to understand your growing business and provide knowledgeableadvice and solutions that are right for you.Consider consolidating any higher-rate non-TD credit card balancesyou may have to your TD Business Travel Visa* Card Account througha Balance Transfer25. By transferring your balances you can more easilykeep track of your expenses with one monthly payment. Talk to us aboutthe convenience and potential interest savings of consolidating yourbalances to your TD Business Travel Visa* Account.For more information, visit us at your nearest TD Canada Trust branch orcall 1-800-983-8472.Book an appointment at td.com/appointmentEnjoy discounts with Visa SavingsEdge*Enroll your TD Business Travel Visa* Card in the Visa SavingsEdge*Program22 at no cost and enjoy discounts of up to 25% on qualifyingbusiness purchases, including business travel and entertainment,computers and electronics, business services and more. Your savingsare automatically applied to your Account and appear as credits on yourfuture statements.Learn more at VisaSavingsEdge.ca2122
Card SecurityExplore your TD Business Travel Visa* Card’s security andprotectionProtecting the security of your Card should always be a priority. That’swhy your TD Business Travel Visa* Card comes with features that helpprotect you when you shop online and in person.Security featuresǥ Shop online and in person securely with Visa Zero Liability and beprotected in the event that unauthorized transactions are made onyour Card. See your Cardholder Agreement for complete informationon unauthorized transactions and your responsibilities, includingyour responsibility to protect your PIN.ǥ Shop with confidence with chip & PIN technology. Chip and PINtechnology provides an added level of security through the use of aPersonal Identification Number (“PIN”).ǥ Purchase Security and Extended Warranty Protection26. Youautomatically have access to Purchase Security and ExtendedWarranty Protection, which includes coverage for most eligible newitems you’ve purchased with your business Card:Reset your PIN easily and conveniently at a TD Canada Trust Branch or24/7 at any TD Green Machine (“ATM”).24-hour Fraud protection Repair, replacement, or reimbursement should they be stolen orOur enhanced protection measures help protect you from Credit Cardfraud. Should we detect unusual activity relating to your Account: Double your warranty up to 12 additional months if the eligible itemǥ You may receive a phone call from a TD Credit Card CustomerService Representative asking you to confirm that you performed atransaction on your TD Business Travel Visa* Card or Account.damaged within 90 days of purchase.came with a manufacturer’s warranty valid in Canada.ǥ Verified by Visa* provides you with increased security andconvenience when you shop online.Personal Identification Number (“PIN”) Security Tipsǥ During a transaction, a merchant may receive an electronic messagerequesting that they contact the TD Credit Card Contact Centre andallow you to speak with one of our Customer Service Representatives.ǥ Choose a PIN you can remember that’s difficult to guess. Don’t use aphone number or a birthday.ǥ Your Card may be temporarily blocked until we can contact you forverification.ǥ Never write down your PIN.ǥ You can now automatically receive TD Fraud Alerts to your mobilephone any time we suspect unusual activity on your TD BusinessTravel Visa* Card or on any Additional Card on your Account.ǥ Protect your PIN and use your hand or body to shield the keypadwhen you enter your PIN.ǥ Never let anyone else know or use your PIN or use your Card.23ǥ Make transactions only when and where you feel secure. If in doubt,don’t use your Card.Learn more at td.com/fraudalerts24
Annual interest rates, fees and features are current as of January 20, 2020, unless otherwiseindicated and subject to change.1 The Toronto-Dominion Bank is not responsible for any third-party retail apps, includingtheir use and any services or products provided through such apps.2 TD Visa Cheques (“Cheques”) are processed as Cash Advances to your TD Credit CardAccount (“Account”) and interest is charged at the annual interest rate that applies toyour Account for Cash Advances from the transaction date until the total amount ofthe Cheque is paid in full. Your transaction date appears on your monthly statement.A Cheque will not be processed if the total amount exceeds the available credit on yourAccount or if the Account is not in good standing. Cheques cannot be used for repaymentof any TD credit account. Stop payments are not allowed on Cheques. See yourTD Business Cardholder Agreement for more details.3 The Visa Checkout service is made available through Visa. The Toronto-Dominion Bankand its affiliates are not responsible for the service including any offers made available toyou through the service.4 TD Rewards Points are earned for Purchases charged to the Account. Credits for refunds,returned items, rebates and other similar credits will reduce or cancel the TD RewardsPoints earned by the full or partial amount originally charged to the Account. Fees, CashAdvances (including Balance Transfers, Cash-Like Transactions and TD Visa* Cheques),interest charges, optional services, refunds, rebates or other similar credits do not earnTD Rewards Points.5 Earn 9 TD Rewards Points for every 1 in Purchases of travel made online through ExpediaFor TD (“Online Travel Purchases”) and charged to your TD Business Travel Visa CardAccount (“Account”). Any returned items, refunds, rebates or other similar credits willreduce or cancel the TD Rewards Points earned on the original Online Travel Purchase.Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD VisaCheques), interest charges, optional service, refunds, rebates or other similar creditsdo not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn orextended at any time and cannot be combined with any other offer. Earn 6 TD RewardsPoints for every 1 in Purchases of travel made by phone through Expedia For TD (“PhoneTravel 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 theTD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances(including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interestcharges, optional service, refunds, rebates or other similar credits do not earn TD RewardsPoints. Other Conditions: Offer may be changed, withdrawn or extended at any time andcannot be combined with any other offer.6 Earn 6 TD Rewards Points (“Foreign Currency Rebate”) for every 1 in Purchases in aForeign Currency (“Foreign Currency Purchases”) charged to your TD Business Travel VisaCard Account (“Account”). Any returned items, refunds, rebates or other similar credits willreduce or cancel the TD Rewards Points earned on the original Foreign Currency Purchase,as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactionsand TD Visa Cheques), interest charges, optional service, refunds, rebates or other similarcredits do not earn TD Rewards Points. 80,000 Cap: The Foreign Currency Rebate is onlyavailable to a 80,000 maximum net annual spend (“ 80,000 Cap”). Once the 80,000Cap has been reached for Foreign Currency Purchases, then any further Foreign CurrencyPurchases made on the Account will earn TD Rewards Points at the standard rebate rateof 2 TD Rewards Point that applies to all other Purchases on the Account as set out in yourCardholder Agreement (“Standard Rebate”). Applicability of Foreign Currency Rebate: TheForeign Currency Rebate is in place of, and not in addition to, the Standard Rebate. OtherConditions: Offer may be changed, withdrawn or extended at any time and cannot becombined with any other offer.7 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 or25cancel the TD Rewards Points earned on the original Restaurant Purchase, as applicable.Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD VisaCheques), interest charges, optional service, refunds, rebates or other similar credits donot earn TD Rewards Points. 80,000 Cap: The Restaurant Rebate is only available toa 80,000 maximum net annual spend (“ 80,000 Cap”). Once the 80,000 Cap hasbeen reached for Restaurant Purchases, then any further Restaurant Purchases madeon the Account will earn TD Rewards Points at the standard rebate rate of 2 TD RewardsPoint that applies to all other Purchases on the Account as set out in your CardholderAgreement (“Standard Rebate”). Applicability of Restaurant Rebate: The RestaurantRebate is in place of, and not in addition to, the Standard Rebate. Merchant CategoryCodes: To earn the Restaurant Rebate, the Restaurant Purchases must be made atmerchants classified through the Visa network with a Merchant Category Code (“MCC”)that identifies them in the “restaurant” category. Some merchants may not be classifiedwith a restaurant MCC and such Purchases will not earn the Restaurant Rebate asapplicable. If you have questions about the MCC that applies to a Purchase, contact TD at1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at anytime and cannot be combined with any other offer.8 Earn 6 TD Rewards Points (“PAP Rebate”) on each 1 in payments made on a monthlyor other regularly recurring basis for merchant bills, including insurance premiums,magazine/newspaper/online streaming subscriptions, membership fees andtelecommunication fees, that are set up by the merchant with your consent to beautomatically charged to your TD Business Travel Visa Card Account (“Account”) andthat are classified through the Visa network as “recurring payments” (“Pre-AuthorizedPayments”). You must confirm with your merchant if they can accept Pre-AuthorizedPayments. Any returned items, refunds, rebates or other similar credits will reduce orcancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, CashAdvances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques),interest charges, optional service, refunds, rebates or other similar credits do not earnTD Rewards Points. 80,000 Cap: The PAP Rebate is only available to a 80,000maximum 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 earnTD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to allother Purchases on the Account as set out in your Cardholder Agreement (“StandardRebate”). 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 atany time and cannot be combined with any other offer.9 Earn 2 TD Rewards Points (“Standard Rebate”) on every 1 on all other Purchases (“OtherPurchases”) charged to your TD Business Travel Visa Card Account (“Account”). Anyreturned items, refunds, rebates or other similar credits will reduce or cancel theTD Rewards Points earned on the original Purchase. Fees, Cash Advances (includingBalance 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 cannotbe combined with any other offer.10 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492.The Toronto-Dominion Bank and its affiliates are not responsible for any of the servicesand products offered/provided by Expedia, Inc.11 Subject to carrier/space availability.12 TD Rewards Points must be redeemed in minimum 200-point increments for travelPurchases charged to your business
TD Business Travel Visa* Card Account as a Cash Advance. To learn more call 1-800-983-8472. Pay with Visa payWave* Visa payWave* technology is a secure, convenient, contactless way to pay for small-dol
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