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Credit Card Frequently Asked Questions

How can I apply for a credit card from TD Bank?

You can apply:

When will I receive my card?

Upon approval, you will receive your card within 5-7 business days.

What are the credit limits for the different credit cards?

The minimum credit limit is $500 with a maximum of $25,000 for the TD Cash RewardsSM Visa®, TD Easy RewardsSM Visa®, TD Payment Plus® Visa®, TD Simply Flexible BusinessSM Visa® and TD Business Solutions Visa® Cards. All TD Visa® Signature Cards have a minimum credit limit of $5,000.

What are the rewards associated with the TD Cash Rewards, TD Easy Rewards, TD Business Solutions and TD Payment Plus cards?

TD Cash Rewards
The TD Cash Rewards Visa Card allows you to earn up to 5% cash back on eligible purchases for the first 6 billing statements after account opening. After the introductory period, earn 1% cash back on all other eligible retail purchases. Redeem your cash rewards at any time once you've earned at least $25. Cash rewards may be redeemed in the form of a statement credit only.*

TD Easy Rewards
The TD Easy Rewards Visa Card allows you to earn 5x rewards points on eligible purchases for the first 6 billing statements after account opening. After the introductory period, earn one point for every $1 in eligible retail purchases. Redeem points for over 400 rewards – cash back, electronics, gift cards, travel rewards and more – starting at just 2,500 points. There are no caps and no limits to the rewards you can earn and your points do not expire as long as your account is in good standing, meaning it is open and payments are not past due.*

Log in to TD Easy Rewards

TD Business Solutions
The TD Business Solutions Visa Card allows you to receive $100 cash rewards statement credit when you spend $5,000 in total net purchases on your new card within 365 days of your account opening date. Earn one point for every $1 in eligible retail purchases. Redeem points for over 400 rewards, cash back, electronics, gift cards, travel rewards and more. There are no caps and no limits to the rewards you can earn and your points do not expire as long as your account is in good standing, meaning it is open and payments are not past due.*

TD Payment Plus
With the TD Payment Plus® Visa Card, the more you pay, the more you save. Pay 10% or more of your current balance and get a statement credit worth 50% of next month's interest charges.* Pay 5% - 9.99% of your current balance and get a statement credit worth 25% of next month's interest charges.* Your savings will be applied to your balance at the time of your payment.

Can I transfer a balance from another card to a TD Bank card?

Yes. You can transfer balances from Visa, MasterCard and other eligible credit card accounts as long as your credit limit is high enough to allow the transfer.

How can I request a credit limit increase?

Please contact us at 1-888-561-8861. Your account must be open for at least 6 billing statements before a credit increase will be considered.

Can I get my statement online?

Yes, as part of your Credit Card Account Access account, you can view your statement and conduct other account management functions.

Enroll in Credit Card Account Access

Can I view my rewards points online?

There are two ways to view your points online:
  1. At Credit Card Account Access — once you receive and activate your card, register here and get your confirmation. You will then be able to view points.
  2. Rewards site — you can register to view points plus rewards.

Can I manage my credit card account online?

Yes, go to Credit Card Account Access to view your account, account balance, transactions, payments due, transaction history and many other options.

Is my online credit card account information secure?

Our Credit Card Account Access page is subject to the same stringent security measures as the rest of the TD Bank website. However, keep in mind that even the best security systems won't work unless you also take precautions to safeguard your personal information. Read more about TD Bank's commitment to security.

What are the ways I can make credit card payments?

You have several options to make your credit card payments: online, by calling 1-877-468-3178, at your nearest TD Bank or through the mail – please send your payment to the billing mailing address listed on your statement.

I forgot my Personal Identification Number (PIN). How can I find out what it is?

You can request a replacement PIN by calling us at 1-888-561-8861.

What do I do if my credit card is lost or stolen?

Please contact us immediately at 1-888-561-8861 and we will cancel your card and send you a new one within 7-10 days. If you have automatic bill payments set up, they will be transferred to your new card. And with Visa's Zero Liability Policy, you will not be liable for unauthorized purchases made online or for signature-based transactions at merchants.

How do I get a replacement card?

Please call 1-888-561-8861 to replace your TD credit card. If you need your card replaced within 48 hours, we offer "Fast Card" replacement for an additional fee. All Fast Card replacements are sent out via Federal Express. When you request a Fast Card, we will disclose the fee – you may be charged a fee of up to $25.

How do I dispute a charge on my credit card?

If you believe there is an error on your statement, please contact us immediately at 1-888-561-8861 and a specialist will work with you to research the transaction and resolve it. Check your credit card statement for additional information.

What should I do if I think my card is being used fraudulently?

Please contact us immediately at 1-888-561-8861 and a dedicated specialist will help you.

What is the late payment fee?

Please see the Terms and Conditions for your credit card for actual fee amounts.**

What emergency features are available on the credit cards?

Credit card customers will have 24/7 access to our Credit Card Customer Support hotline (1-888-561-8861). You will also receive benefits through Visa International such as Emergency Card Replacement, Lost/Stolen Reporting, Auto Rental Collision coverage, Damage Waiver Program and Zero Liability Program.

How do I change my billing address?

Please contact us at 1-888-561-8861 and we will update your credit card account with your new information. This will update your information only for your TD credit card account – call 1-888-751-9000 or visit a TD Bank near you to change your address for your other TD accounts.

What are the Customer Service hours of operation?

Customer Service is available 24/7, 365 days a year.

Business Credit Cards: How does the TD Simply Flexible Business Visa card work?

Available exclusively through TD Card Services, you have the flexibility to select your standard Annual Percentage Rate (APR) based on your monthly payment. If you pay 10% or more of your outstanding balance, you will get the lowest available APR.* If you pay 5-9.99%, you will get the middle tier APR.* If you pay less than 5% of your balance, you will receive the highest APR.*

Personal Credit Cards: How does the TD Payment Plus Visa card work?

With the TD Payment Plus® Visa Card, the more you pay, the more you save. Pay 10% or more of your current balance and get a statement credit worth 50% of next month's interest charges. Pay 5% - 9.99% of your current balance and get a statement credit worth 25% of next month's interest charges. Your savings will be applied to your balance at the time of your payment**.

Personal Credit Cards: How can I get a copy of my Cardmember Agreement?

You can view a generic agreement online: Personal Credit Card Agreement and TD Cash Rewards Secured and TD Easy Rewards Secured Credit Card Agreement.

Or, if you're an existing cardholder and would like to get your specific card agreement, you will need to first register your credit card within Credit Card Account Access or call us at 1-888-561-8861 (you will need to provide your account number and the name on the card). After you register your card, you will be able to request a copy of your agreement. It will either be mailed or e-mailed to you.

*See the personal and business credit card terms and disclosures for details about APRs, fees, balance transfers, program rules and eligible purchases, as well as eligibility requirements of the TD Business Solutions $100 cash back benefit.

**See important Credit Card Terms and Disclosures for details about APRs, fees, balance transfers, program rules and eligible purchases.



© 2014 Visa U.S.A. Inc.

©2014 Paymentflex® Technologies, LLC

The TD Payment Plus® Visa® and the TD Simply Flexible BusinessSM Visa® Credit Cards are Powered by Paymentflex® Technologies, LLC. TD Bank, N.A. is an authorized user of Paymentflex® US Patents #5,933,817 and #6,836,764, and of the Paymentflex® registered trademark pursuant to license from Paymentflex® Technologies, LLC. TD Bank, N.A. is the card issuer/creditor of the credit card program described in this offer.