Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code (' MCC') that identifies them in the 'gas' or 'grocery' category. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. After the $15,000 Cap is reached annually in a Gas Purchases, Grocery Purchases or Pre-Authorized Payments category, all additional spend in the corresponding category will earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in the Rewards Terms.įirst Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend (' $15,000 Cap') for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments.

Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made will reduce or cancel the Cash Back Dollars earned on the original Purchase or Pre-Authorized Payment, as applicable. Once the Bonus Spend Cap of $3,500 is reached, any further Bonus Eligible Purchases made in the First 3 Months will earn the regular accelerated 3% in Cash Back Dollars that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments (' Accelerated Rebate') as set out in the TD Cash Back Program Terms And Conditions (the ' Rewards Terms') All other Purchases will earn 1% in Cash Back Dollars as set out in the Rewards Terms. You must confirm with your merchant if they can accept Pre-Authorized Payments. ' Pre-Authorized Payments' are recurring bill payments set up on your Account that are classified through the Visa network as 'recurring payments'. For greater certainty: (a) you will earn a cumulative 10% in Cash Back Dollars upon Bonus Eligible Purchases charged to your TD Cash Back Credit Card Account (' Account') in the First 3 Months until a total collective spend of $3,500 on Bonus Eligible Purchases have been made, and (b) during the First 3 Months, the Limited Time Bonus Rebate and Welcome Bonus Rebate are in place of, and not in addition to, the Gas Earn Rate, Grocery Earn Rate, and PAP Earn Rate that are set out in the TD Cash Back Program Terms And Conditions. In the first 3 months of Account opening (the ' First 3 Months'), in addition to the Welcome Bonus Rebate of 6% in Cash Back Dollars upon eligible Gas Purchases, Grocery Purchases and Pre-Authorized Payments (' Bonus Eligible Purchases'), you will earn an additional 4% in Cash Back Dollars upon Bonus Eligible Purchases (the ' Limited Time Bonus Rebate') until a total collective spend of $3,500 on Bonus Eligible Purchases have been made (the ' Bonus Spend Cap'). The APY for this tier will range from 4.00% to 1.12%, depending on the balance in the account.2 Limited Time Bonus: Account must be approved by March 4, 2024. A dividend rate of 1.00% will be paid only on the portion of your daily balance that is greater than $10,000. If your daily balance is $10,000 or less, the dividend rate paid on the entire balance will be 3.92%, with an APY of 4.00%. Fees could reduce earnings on this account. There is no minimum balance requirement for this account. There is no initial deposit requirement to open this account. The dividend rate on your account is determined by the credit union. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change.

Dividend rates and annual percentage yield are subject to change after the account is opened at our discretion without notice to you. The APY is accurate as of the latest dividend declaration date. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.ġAPY = Annual Percentage Yield. Google Play and the Google Play logo are trademarks of Google Inc. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S.

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