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Information Box

By checking this box and continuing with this application, you consent to CUETS Financial providing to you, in electronic form on this website, this Information Box, the Terms and Conditions and the Privacy Terms included with this application form, all of which is also set out under Legal Disclosures.

The Toronto-Dominion Bank is the issuer of this credit card. CUETS Financial is a division of The Toronto-Dominion Bank.

Print Legal Disclosures (opens new window)

The following summary information applies to the No Fee CHOICE REWARDS® MasterCard® Credit Card account, is current as of November 2016 and is subject to change. These interest rates are in effect on the date your credit card account is opened (whether or not your card is activated). You will receive the full Account Agreement if your application is approved.

Annual Interest Rates

Promotional Rates:

Balance Transfers: 3.99%

This Promotional Rate will remain in effect for 10 billing cycles from the date your Account is opened (the "Promotional Period") for balance transfers made during the Promotional Period. The Promotional Rate will increase following the Promotional Rate expiry or if you are late making any Minimum Payment and any remaining balances will become subject to the then applicable Standard Rate.

Standard Rates:

Purchases: 19.99%

Cash advances (including balance transfers and access cheques): 19.99%

Default Rates:

If your Minimum Payment is late more than once within 12 consecutive billing cycles, the Standard Rate(s) that apply to your account at that time will increase by 5.00% following the late Minimum Payment that caused the increase.

If you pay each Minimum Payment on time for 12 consecutive billing cycles following the rate increase, the Standard Rate(s) that apply to your account at that time will decrease by 5.00% on the first day of the next billing cycle.

Interest-free Grace Period

You will not be charged interest on each new purchase for a minimum grace period of 21 days if you pay the new balance total in full by the Due Date for the account statement on which each new purchase first appears. You will always be charged interest on cash advances (including balances transfers and access cheques) from the date such transactions occur.

Minimum Payment

The Minimum Payment must be received by us by the Due Date appearing on your account statement. The Minimum Payment will be 3.00% of the new balance total on the account statement or $10.00, whichever is greater, plus any amount past due. If your new balance total is less than $10.00, the Minimum Payment will equal the new balance total. If the Account has been cancelled or terminated, or it has expired without renewal, you must immediately pay the entire balance owing on the Account.

Foreign Currency Conversion

All transactions and payments made in a foreign currency will be converted to Canadian dollars. Transactions will be converted at a rate equivalent to MasterCard’s benchmark rate in effect on the date that we process the transaction, plus an amount equal to 2.5% of the transaction amount after it has been converted. Payments will be converted into Canadian dollars at a rate equivalent to the Bank of Canada rate reported at the close of business on the day immediately preceding the date that we process the payment, plus an amount equal to 2.5% of the foreign currency payment amount.

Annual Fees

There is no annual fee.

Other Fees

To be charged on the day the transaction or event occurs (unless otherwise indicated):

Transaction Fees:

Cash advances (including balance transfers and access cheques):

  • Automated teller machine ( “ATM” ): $2.00 in Canada; $3.50 outside Canada
  • Over-the-counter cash ( “OTC” ): $4.00 in Canada; $4.85 outside Canada
  • Cash equivalents: There is no fee.
  • Balance transfers (including transfers of funds to a bank account): 1.00% of amount advanced (minimum fee $7.50 )
  • Access cheques: 1.00% of amount advanced (minimum fee $7.50 )

Account Fees:

  • Over the credit limit (to be charged on the last day of the billing cycle in which the over limit occurred): $25.00 per billing cycle
  • Dishonoured cheque: $20.00 per occurrence
  • NSF Access cheque: $20.00 per occurrence
  • Account statement reprints: $2.00 for each of the 6 most recent monthly statements. $5.00 for each monthly statement older than 6 months
  • Disputed transaction: $10.00 for each disputed posted transaction proven to be valid. If the transaction is proven to be invalid then no charge will be applied

Apply for the Card

Please provide all the required information below
Please provide all the required information below

Please provide all the required information below
  • You are a Canadian resident and have a Canadian credit file (Note: if you do not have a Canadian credit file, additional steps may be required for eligibility)
  • You are of the age of majority in your province or territory of residence
  • You have no current record of bankruptcy and do not have any seriously past due payments

*required

Primary Applicant's Information

Are you a Canadian resident?*
Why do we ask for this?

You must be a permanent resident of Canada to apply for one of our credit card accounts online.





(Complete name; do not use nicknames or initials)

(Physical address, no P.O. boxes)

(example: A0A 0A0)



$


(Physical address, no P.O. boxes)


(example: A0A 0A0)
Is your mailing address different from your * How are they different?
 


(Physical address, no P.O. boxes)



(example: A0A 0A0)

Home phone number *in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)
(example: 555-555-5555)

Mobile phone number * in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)

Personal Information


Social insurance number  (optional) in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555) Why do we ask for this?
(example: 123-456-789)
Date of birth *
(example: MM/DD/YYYY)

Employment Information




*
*
*
*

(example: A0A 0A0)



Work phone number * in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)
(example: 555-555-5555)
Your income * $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*

Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*





Work phone number *
(example: 555-555-5555)
*
*
*
*

(example: A0A 0A0)
Your income * $
(Gross salary before taxes)
Other / spousal income**
$
(Gross salary before taxes)
*





Alternate phone number
Is the home address you provided different from your permanent address? * (example: home address - when you're in school; permanent address - when you're out of school)




(example: A0A 0A0)



Your income $
(Gross salary before taxes)
Other / spousal income** $ (Gross salary before taxes)
*
Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Total annual household income * $ Why do we ask for this?

** Income from alimony, child support or separate maintenance payment need not be revealed if you don't wish us to consider it as a basis for payment.

Additional User Information

Add an authorized user?

You can designate any person you choose as an Authorized User of your account.This is a great way to extend your credit limit to family and other people you trust.An Authorized User will receive his or her own credit card, providing full access to your account. An Authorized User will have full charging privileges on your account.As the Primary Cardholder, you are solely responsible for all charges made by Authorized Users on your account. For security reasons, the new card will be sent to your billing address.


(Complete name; do not use nicknames or initials)

Is the Authorized User's address different than the Primary Cardholder's? *
(Physical address, no P.O. boxes)

(example: A0A 0A0)

Additional Information
Provide the following information about the authorized user. You must provide at least one telephone number.

Date of birth *
(example: MM/DD/YYYY)
Home phone number * in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555) (example: 555-555-5555)
Mobile phone number in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)

Card Features

 
Balance transfer 1


Balance transfer 2



Balance transfer 3



>
Learn about your optional CUETS Financial Balance Protection coverage options (opens new window)
Balance Protection Insurance Certificate of Insurance (PDF) (opens new window)
Balance Protection Insurance Distribution Guide for Quebec Residents (PDF) (opens new window)
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Select Your Credit Union

This application is for credit union member use only. If you are not a member, please visit a local credit union in your area to apply for a CHOICE REWARDS® MasterCard® credit card.

Are you a credit union member?
  • CUETS Financial is a division of The Toronto-Dominion Bank
  • All trademarks are the property of their respective owners.
  • CUETS is a trademark of Credit Union Central of Canada, used under license.