TD Gold Elite Visa* Card Turn your everyday purchases into cash
Your Card offers you…
A 1% cash rebate
Free Deluxe TD Auto Club membership
Earn a 1% cash rebate on net purchases every time you use your Card. Plus, as a TD Gold Elite Visa Cardholder, you now have Deluxe TD Auto Club Membership, absolutely free.
1% Cash Rebate
Every time you use your TD Gold Elite Visa Card, you’ll earn a 1% Cash Rebate on your net purchases1 charged to your Card.
Free Deluxe TD Auto Club coverage
In the event of a road emergency, help is just a phone call away. Learn more.
Enjoy worry-free travel with included insurance coverage
Built-in baggage claims, trip interruption and auto rental insurance. Learn more.
1 Net purchases are eligible purchases charged to your TD Gold Elite Account less refunds, rebates and other similar credits. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest and optional services are not eligible purchases.
Your TD Gold Elite Card has a variety of features and benefits for you to enjoy…
such as the Visa Zero Liability policy, 24-hour instant cash and account access, worldwide acceptance and more. Learn more.
1% Unlimited Cash Rebate
Every time you use your Card, you’ll earn a 1% Cash Rebate on the net purchases charged to your Account2
The more you use your TD Gold Elite Visa Card, the more money you get back – there’s no limit to how much you can earn.
You can build the amount of cash back that you earn virtually every time you use your Card – when you’re shopping, entertaining, travelling or paying your bills.
Enjoy access to travel benefits
Save on car rentals and enjoy access to other travel benefits and discounts, including free Deluxe TD Auto Club membership.
Avis3 and Budget4 car rentals:
Save 5% to 25% off the lowest available discountable time and mileage retail rate on qualifying rentals charged to your Card.
Receive free membership in the Deluxe TD Auto Club for you and your spouse: a retail value of $79 or $118 per couple.
Unlimited service calls 24 hours a day, 7 days a week.
Family coverage – for you and your spouse and unmarried children in your household up to 22 years of age and any car that you or your family members drive – even if they are not cardholders.
Enjoy all the benefits of the Standard Plan plus traffic accident towing, emergency transportation car rental, emergency accommodation and meals, hazardous weather services, and many other features. Learn more.
Emergency Travel Assistance Services5
Toll-free access to medical, legal, and other help in case of an emergency while travelling.
Add convenient Authorized User Cards
Get cards for up to three friends or family members ($39 per card). Learn more.
Save on brand-name merchandise and gift cards
As a TD Credit Cardholder you have exclusive access through tdrewards.com to special deals on merchandise and gift cards from major retailers.
From electronics to appliances to fashion and more, browse the wide range of shopping choices and discounts available from retailers through tdrewards.com, with merchandise shipped anywhere in Canada. Learn more.
2 Net purchases are all purchases charged to the Card less refunds, rebates or similar credits. Annual Card fees and other fees, cash advances, any service or interest charges, optional services, TD Visa cheques, balance transfers, refunds, rebates or other similar credits do not earn a 1% Cash Rebate.
3 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.
4 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.
5 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only. Details of benefits, conditions, limitations and exclusions are outlined in the Cardholder Agreement and Benefit Coverage Document provided with your TD Credit Card.
The coverages built in to your card allow you to shop and travel with confidence.
Common Carrier Travel Accident Insurance6
Up to $500,000 coverage for you and your family while travelling on a common carrier.
You, your spouse and dependent children are automatically insured while travelling on a common carrier whenever you charge the full cost of your ticket to your TD Gold Elite Card.
Delayed and Lost Baggage Insurance7
Up to $1,000 reimbursement if checked baggage is lost or delayed by more than six hours.
For you, your spouse and dependent children, if your checked baggage is lost or delayed by more than six hours from the time of arrival at your final destination. This includes the cost to replace essential items and the replacement cost of personal property that is not covered by the airline or other insurance if your checked baggage is never returned.
Trip Interruption Insurance8
Coverage should illness or injury delay or cancel your trip.
Charge the full cost of your trip to your Card, and you’ll automatically receive Trip Interruption Insurance. If a covered cause prevents you from completing your trip, you’ll be covered for up to $5,000 of eligible trip expenses per eligible person, to a maximum of $25,000 for all eligible persons on the same trip.
Purchase Security and Extended Warranty9
Items purchased with your Card are covered in case of theft or damage.
Enjoy worry-free shopping with Purchase Security and Extended Warranty Protection. If an eligible item that you purchased in full with your TD Gold Elite Card is stolen or damaged within 90 days of purchase, it may be replaced or repaired or you will be reimbursed for it. If the item comes with a manufacturer’s warranty, you may be entitled to double the warranty period by up to 12 additional months.
Car Rental Coverage
Auto Rental Collision/Loss Damage Insurance
Get Collision Damage Waiver coverage at no additional cost when you charge your car rental on your Card.
Use your TD Gold Elite Card to charge the full cost of a car rental and the Auto Rental Collision/Loss Damage Insurance program will cover you at no additional cost. This insurance coverage means you do not need to purchase the collision/loss damage insurance coverage offered by the car rental company. You’ll be protected against loss arising from damage to the rental car on most rentals in North America and many foreign countries.
Travel Medical Insurance10
To help you avoid the consequences of unforeseen events, your TD Gold Elite Visa Card offers you the security of optional Travel Medical Insurance. Learn more.
Balance Protection insurance11
Optional Balance Protection insurance products are designed to assist in managing your credit obligations on your TD Credit Card(s) in the event of your involuntary unemployment, total disability, dismemberment, critical illness or death. To learn more about optional Balance Protection insurance products or to enroll, call 1-866-315-9069. Learn more.
6 Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions, are outlined in the Coverage Certificate provided with your TD Credit Card.
7 Underwritten by TD Home and Auto Insurance Company.
8 Underwritten by TD Life Insurance Company (re medical covered causes) and TD Home and Auto Insurance Company (re non-medical covered causes). Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the certificate of insurance included with your TD Gold Elite Visa Cardholder Agreement.
9 Underwritten by TD Home and Auto Insurance Company. Details of insurance benefits, including terms, conditions, limitations and exclusions, are outlined in the Coverage Certificate provided with your TD Visa Card.
10 All TD Canada Trust customers, including TD Canada Trust Credit Cardholders, are eligible to apply for Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical claims assistance, claims payment and administrative services are provided by our Administrator. This insurance is subject to exclusions and limitations that are fully described in the Certificate of Insurance that is issued if accepted for enrollment. Travel Medical Insurance can be purchased at any branch or call 1-800-293-4941, or visit tdcanadatrust.com
11 Life, Accidental Death and Critical Illness coverages are underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Involuntary Unemployment, Total Disability and Disability Requiring Hospitalization coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). Dismemberment coverage is underwritten by TD Life Insurance Company (TD Life). TD Canada Trust receives a fee from each insurer with respect to premium collection. Complete terms of coverage are on the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.
What is the CVV?
CVV stands for Credit Card Validation (or Verification) Value. Visa has a version of the CVV to reduce merchant risk in Card-Not-Present
transactions (like Internet, telephone or mail-order). The CVV code adds assurance that the consumer
placing the order has access or physical possession of the credit card itself. The CVV is a 3 digit number embossed or
imprinted on the reverse side of Visa cards.
Where do I find the CVV? For Visa the 3 digit CVV number is printed on the signature panel on the back of the
card immediately after the card's account number.