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MBNA True Line® Gold Mastercard®

You could save on interest with a 10.99% interest rate on purchases - our lowest rate credit card available to Quebec residents.

$39
^□

Annual Fee

10.99%

Interest: Purchases

13.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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MBNA Rewards Platinum Plus® Mastercard®

Welcome offer: Earn up to 10,000 bonus MBNA Rewards Points^†† for cash back, gift cards and more. Conditions Apply.

$0
^□

Annual Fee

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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MBNA Rewards World Elite® Mastercard®

Welcome offer: Earn up to 20,000 bonus MBNA Rewards Points^†† for cash back, gift cards and more. Conditions Apply.

$120/$50^□

Annual Fee

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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MBNA Smart Cash Platinum Plus® Mastercard®

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months^†† (up to $150 in Cash Back)

$0^□

Annual Fee

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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MBNA Smart Cash World Mastercard®

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months^†† (up to $150 in Cash Back)

$39
^□

Annual Fee

20.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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Apply Online for an MBNA Smart Cash World Mastercard. Apply Now

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Amazon.ca Rewards Mastercard

Welcome Offer:

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants^††.

$0^□

Annual Fee

19.99%

Interest: Purchases

20.99%

Interest: Balance Transfers

20.99%

Interest: Cash Advances

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^✪ BALANCE TRANSFERS
Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE IS NO FEE FOR THIS TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

^□(i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	10.99%	$0.90	$1.81	$9.03
Balance Transfers	13.99%	$1.15	$2.30	$11.50
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	19.99%	$1.64	$3.29	$16.43
Balance Transfers – Default rate	21.99%	$1.81	$3.61	$18.07
Cash Advance – Default rate	24.99%	$2.05	$4.11	$20.54

^†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^‡ These are highlights of the rewards program (the "Program") associated with this credit card account. To participate in the Program, you must have an Amazon.ca account that is open and in good standing, and otherwise comply with the Program terms and conditions. The Amazon Prime membership status of the Amazon.ca account that you select to be associated with your credit card account will determine the number of points earned on eligible purchases. Accumulated points will be redeemed for Amazon.ca Gift Card(s), which will be loaded to your Amazon.ca account by Amazon. Complete terms and conditions describing Program eligibility, limitations and restrictions will be sent after your credit card account is opened. The Toronto-Dominion Bank has no liability or responsibility for the Amazon.ca Gift Card(s) or any aspect of your Amazon.ca account.

^†† Limit one-time bonus points offer (no cash value) per new credit card account. This offer only applies to eligible purchases made during the first six months after credit card account opening: (a) at eating places and fast food restaurants (merchant category codes 5812 and 5814); (b) at grocery stores and supermarkets (merchant category code 5411); (c) on the Amazon.ca website; and (d) at any physical Whole Foods Market locations in Canada. For greater certainty, this offer replaces and is not in addition to the regular earn rates for the rewards program associated with the account. Regular earn rates will apply to purchases outside the above categories and to the above categories after $3,000 in eligible purchases. This promotion is offered by MBNA and Amazon and may be amended or cancelled at any time without notice.

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	19.99%	$1.64	$3.29	$16.43
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	24.99%	$2.05	$4.11	$20.54
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Miles will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of Miles, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated Miles can only be redeemed in accordance with the Alaska Airlines Mileage Plan program (the "Alaska Program"). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Alaska Program. Please visit www.alaskaair.com for complete Alaska Program terms and conditions.

^□(i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	19.99%	$1.64	$3.29	$16.43
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	24.99%	$2.05	$4.11	$20.54
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^□(i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	19.99%	$1.64	$3.29	$16.43
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	24.99%	$2.05	$4.11	$20.54
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by MBNA and Best Western and may be amended or cancelled at any time without notice.

□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	19.99%	$1.64	$3.29	$16.43
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	24.99%	$2.05	$4.11	$20.54
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus Loyalty Shopping Dollars to be posted to your Loyalty Shopping Dollars account. Limit one-time bonus offer (no cash value) per new account. This promotion is offered by Melaleuca and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.

^□ (i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	19.99%	$1.64	$3.29	$16.43
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	24.99%	$2.05	$4.11	$20.54
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

^‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. The account will earn two (2) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $10,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

^□(i) Annual Fee: To be posted on your first statement after the first use of your account and annually thereafter on your anniversary date.
(ii) Statement Period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will not be charged interest on each purchase for a minimum grace period of 21 days from the Statement Closing Date if you pay the New Balance in full by the Due Date for the account statement. You will always be charged interest on cash advance and balance transfers from the date such transactions occur.
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges For a 30 Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Balance Transfers	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default rate	25.99%	$2.14	$4.27	$21.36
Balance Transfers – Default rate	25.99%	$2.14	$4.27	$21.36
Cash Advance – Default rate	25.99%	$2.14	$4.27	$21.36

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MBNA True Line® Gold Mastercard®

MBNA Rewards Platinum Plus® Mastercard®

MBNA Rewards World Elite® Mastercard®

MBNA Smart Cash Platinum Plus® Mastercard®

MBNA Smart Cash World Mastercard®

Amazon.ca Rewards Mastercard

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