TD Ameritrade Client Rewards Credit Card Frequently Asked Questions
You earn 1.5% (1.5 points) per dollar spent on all net purchases. Net purchases are defined as new purchases less any credits, returns, and adjustments. Your account must be open and in good standing in order to earn and redeem points.
As an example: $10,000 spent in purchases x 1.5% (1.5 points)/per dollar spent in purchases = 15,000 points.
Points are posted to your account each billing cycle based on purchases that post to your Account within that billing cycle. Any returned items, credits, and adjustments will be deducted from the points earned within that billing cycle.
If you redeem your points for a cash back redemption into your eligible TD Ameritrade account you will earn an additional 10% rewards bonus. You must have an eligible TD Ameritrade account, which is open and in good standing, to redeem for a cash back reward and the 10% rewards bonus.
As an example: $10,000 spent in purchases x 1.5% (1.5 points)/per dollar spent in purchases = 15,000 points. 15,000 points is redeemable for a cash back reward of $150, plus the 10% bonus reward equals a cash back reward of $165.
If you redeem into your TD Ameritrade account, please note the below important things to know:
It is your responsibility to ensure that contributions made by TD Bank, N.A. to your eligible TD Ameritrade account on your behalf do not violate the terms of your TD Ameritrade account or applicable laws or regulations, including IRS rules and limitations applicable to contributions to tax-advantaged retirement accounts. Neither TD Bank, N.A. nor TD Ameritrade is responsible or liable for any tax penalties, fines, or changes imposed on you due to any such violation.
The ability to contribute to an IRA account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. You are responsible for ensuring that any cash back contributions you direct into such accounts are in compliance with those IRS rules and specific program policies.
Points may be redeemed upon request of the primary account holder at specified levels for a variety of merchandise, cash back, gift cards, and travel rewards found at tdbank.com/tdaclientrewards. Specific merchandise, gift cards, and travel rewards are subject to availability, and include only those participating partners found at tdbank.com/tdaclientrewards. In order to redeem your points for cash back, you must have at least 2,500 points. All redemptions start at 2,500 points. For details on how to receive cash back, visit tdbank.com/tdaclientrewards or call the Rewards Center at 1-877-745-5041.
Balance transfers, cash advances, fees, interest charges, disputed and unauthorized or fraudulent charges, purchases made by or for a business or for a business purpose, account refunds, rebates, and similar credits are not eligible for points. In addition, any returned purchases will be deducted from the points earned.
For as long as the account remains open and in good standing, points will not expire and there is no restriction to the number of points that may be earned.
Your account must be in open and in good standing in order to redeem points. If your account is closed for any reason, by you or by us, your membership in the Client Rewards Program will be terminated and the total balance of your accumulated points will be forfeited. We may, at our sole discretion, cancel, modify, restrict, or terminate the Client Rewards Program or any aspects or features of the Client Rewards Program at any time without prior notice. All interpretations of Rewards terms and conditions shall be at our sole discretion. In the event of any fraudulent, abusive, or gaming activity related to the Client Rewards Program, as determined by us in our discretion, we reserve the right to make adjustments to your Client Rewards Program point accruals, and/or to cancel your participation in the Rewards Program, and/or cancel your Account at any time. Points have no cash value except when redeemed in connection with the Client Rewards Program for a cash back redemption, and may not be used in place of payment of any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other account owed to TD Bank. Points may not be transferred or assigned.
The Client Rewards Program terms may change at any time or be discontinued with or without notice to you. Please telephone Customer Service at 1-855-489-5680 for questions.
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