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TD First ClassSM Visa Signature® Questions & Answers

In which categories will I earn triple First Class miles?
Are there other ways to earn First Class miles?
How many miles do I need to redeem?
What are my redemption options?
How do I redeem miles toward a travel/dining purchase?
How much is each First Class mile worth toward a credit?
How do I redeem my miles for merchandise or gift cards?
What if I'd like a statement credit, but do not have a recent travel or dining charge?
How do I redeem First Class miles under the program?
Is there a Promotional Offer available for new First Class Accounts?
Is there a website or telephone number I need to access in order to make travel arrangements?
How will I know how many First Class miles I've earned?
How much is the annual membership fee?
When will you bill the annual membership fee?
What if I do not wish to pay the Annual Membership Fee?

Concierge Service

How can I access the TD First Class Visa Signature Concierge service?
What types of services are provided with the complimentary Concierge service?
Is there a fee for using the TD First Class Visa Signature Concierge service?

Auto Rental Collision Damage Waiver

What do I do if I have an accident?
Is there a deductible?
What should I do if the rental agency states that they will take care of the paperwork?
Is coverage valid overseas?

Lost Luggage Reimbursement

What do I do if I have lost luggage?

Purchase Security

How do I file a claim?

Roadside Dispatch

How does the service work?
Does this service include rental cars?
Can my car be towed anywhere I want?
Is there a charge to my card to use the Roadside Dispatch service?

Travel Accident Insurance

How does the service work?

Travel Emergency & Assistance Services

What do I do if I have a question related to this service?
Is there a cost for these services?

Visa Signature Access (sports & entertainment) Visa Signature Access/Sports & Entertainment

Do I need to enroll in Visa Signature Access/Sports & Entertainment to take advantage of an offer?
How can I find out what offers and events are currently available?

Visa Signature Privileges

How do I take advantage of current Shopping offers?

Warranty Manager Service

How do I file a claim?

In which categories will I earn triple First Class miles?

You will earn 3 First Class miles for every $1 spent on dining and travel purchases. Travel purchases include airline tickets, hotel stays, car rentals, cruises, toll and bridge fees, and travel agencies.

Are there other ways to earn First Class miles?

In addition to earning 3 First Class miles for every $1 spent on dining and travel purchases, you will also earn 1 mile for every $1 spent on all other purchases.

How many miles do I need to redeem?

There is no minimum amount of miles needed to redeem.

What are my redemption options?

Miles may be redeemed as statement credits or for gift cards or merchandise.

How do I redeem miles toward a travel/dining purchase?

First use your TD First Class Visa Signature credit card to make your travel arrangements (purchase an airline ticket, book a hotel room, make a car rental reservation) or to charge a meal at a restaurant. Next call the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) within 180 days of the charge. We will verify the travel/dining purchase charge and then submit the credit. The credit will be reflected on your next monthly billing statement following your call to the TD Rewards Center.

How much is each First Class mile worth toward a credit?

To determine how many miles you need for a travel or dining purchase, just add two zeros to the expense amount. For example, a $150 restaurant charge requires 15,000 First Class miles to cover the expense in full.

How do I redeem my miles for merchandise or gift cards?

Go to www.tdbank.com/firstclassrewards to review the available options. Once you are ready to redeem, simply call the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) and they will process your request.

What if I'd like a statement credit, but do not have a recent travel or dining charge?

Provided you've accumulated 25,000 First Class miles or more, you may redeem them at full value for a statement credit. (For example: 25,000 miles is the equivalent of a $250 statement credit). If you have less than 25,000 miles and have not made a recent travel or dining purchase, you may redeem your miles for a statement credit worth 50% of the value. In this scenario, 20,000 miles would be the equivalent of a $100 statement credit.

How do I redeem First Class miles under the program?

First Class miles are only redeemable upon request. To request redemption you must call 1-877-GO-TD1ST (1-877-468-3178). First Class miles will be applied to your TD First Class Account in the form of a statement credit. Or, you may redeem for merchandise or gift cards selected from the available options found at www.tdbank.com/firstclassrewards.

Is there a Promotional Offer available for new First Class Accounts?

Accounts opened after August 28, 2012 are eligible to earn a one-time bonus offer of 15,000 First Class miles after a first purchase made within 6 months of Account opening. You will earn an additional 10,000 bonus First Class miles if you spend $3,000 in total net purchases using your new TD First Class Credit Card within the first 6 months of your credit card Account opening date. Exclusions apply. Please review the First Class Terms and Conditions for complete details.

Is there a website or telephone number I need to access in order to make travel arrangements?

You choose how to make your arrangements and when. Once you've made those arrangements using your TD First Class Visa Signature credit card, contact the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) to redeem miles to cover all or part of your trip.

How will I know how many First Class miles I've earned?

Your monthly TD First Class Visa Signature credit card statement will provide a recap of miles earned and miles redeemed.

How much is the annual membership fee?

The TD First Class Visa Signature credit card includes an $89 annual membership fee, waived for the first year. Thereafter the fee will be billed each year, whether or not you use your account.

When will you bill the annual membership fee?

The $89 annual membership fee is waived for the first year. After that, you will be charged each year. We will provide 30 days advanced notification in the form of a letter prior to the statement where the annual membership fee will bill.

What if I do not wish to pay the Annual Membership Fee?

You have the right to reject the fee by calling 1-877-GO-TD1ST (1-877-468-3178) within 30 days of the date the pre-notification is sent in order to inform us that you wish to close your Account.

How can I access the TD First Class Visa Signature Concierge service?

You may access the concierge service at visa.com/signature or by calling 888-647-9066.

What types of services are provided with the complimentary Concierge service?

Travel information and assistance; flight reservations and ticketing; hotel and car rental arrangements; pre-trip information such as sightseeing opportunities, exchange rates, ATM locations, passport requirements, and proper protocols; entertainment planning for travelers; restaurant recommendations and reservations; golf course information and reservations; assistance in obtaining tickets to theater, concerts, museums, and sporting events; and more.

Is there a fee for using the TD First Class Visa Signature Concierge service?

No. TD First Class Visa Signature Concierge is a complimentary benefit. Any goods or services purchased on your behalf will be conveniently billed to your TD First Class Visa Signature credit card, with your prior consent.

What do I do if I have an accident?

Call Visa Customer Care Services at 1-800-397-9010 no later than 45 days from the date the accident occurred. The representative will answer any questions you or the car rental agent may have and transfer you to the Program Administrator to file a claim.

Is there a deductible?

No. However, coverage in the United States is provided on a secondary basis. This means it will pay in excess of your personal/business insurance, in most cases.

What should I do if the rental agency states that they will take care of the paperwork?

Contact Visa Customer Care Services at 1-800-397-9010 to file a claim anyway. In many instances, the rental agency will not take care of the paperwork, and it is the cardholder's responsibility to report and file a claim.

Is coverage valid overseas?

Yes. This coverage is available in the U.S. and in most foreign countries on a 24-hour basis unless precluded by law or in violation of the territory terms of the rental agreement, or prohibited by individual merchants.

What do I do if I have lost luggage?

Contact Visa Customer Care Services at 1-800-397-9010 no later than 20 days from the date of loss. The representative will answer any questions you may have and send you a special claim form.

How do I file a claim?

Call Visa Customer Care Services at 1-800-397-9010 within 60 days of theft or damage. The Visa representative will ask you for some preliminary claim information, direct you to an approved repair facility, and send you the appropriate claim form. Or you can file your claim online at visa.com/eclaims.

How does the service work?

Simply tell the Roadside Dispatch operator what you need, where you are, and what number you're calling from. The operator will let you know the name of the local tow operator or locksmith being sent to assist you, an estimated time of arrival, and an estimate of charges. In most cases, help should arrive within 30 minutes.

Does this service include rental cars?

Yes. Any type of non-commercial motor vehicle with wheels is included.

Can my car be towed anywhere I want?

The disabled vehicle will be towed to authorized service/repair facilities, automotive dealers, or the service facility specified by you. The flat fee of $59.95 is limited to a distance of five (5) miles. Additional costs apply for longer distances.

Is there a charge to my card to use the Roadside Dispatch service?

Yes, the flat fee of $59.95 is automatically charged to your TD First Class Visa Signature card. You are responsible for the cost of any actual service or goods provided. Such cost can be paid at your discretion, using your TD First Class Visa Signature card. A tow service call of up to five (5) miles or lockout service costs only $59.95.

How do I file a claim?

Contact Visa Customer Care Services at 1-800-397-9010.

What do I do if I have a question related to this service?

Contact Visa Customer Care Services at 1-800-397-9010.

Is there a cost for these services?

No. Travel and Emergency Assistance Services is provided at no additional charge as part of your TD First Class Visa Signature benefits. Please be aware Visa Travel and Emergency Assistance provides assistance and referral only; you are responsible for the cost of any actual medical, legal, transportation, or other services or goods provided.

Do I need to enroll in Visa Signature Access/Sports & Entertainment to take advantage of an offer?

No enrollment is necessary. Visa Signature Access/Sports & Entertainment is a benefit provided to all TD First Class Visa Signature cardholders.

How can I find out what offers and events are currently available?

Visit the Visa Signature Access page on visa.com/signature. To take advantage of these benefits, simply call Visa Signature Access at 1-888-877-1035.

How do I take advantage of current Shopping offers?

Simply call, email, or shop at the participating physical store and pay with your TD First Class Visa Signature card.

How do I file a claim?

Call Visa Customer Care Services at 1-800-397-9010 within 60 days of product failure. You will be asked to provide some preliminary claim information. In addition, you will be directed to an approved repair facility, and sent the appropriate claim form. Or file your claim online at visa.com/eclaims.

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

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