Get the card with a rate you deserve
Low Interest Rate
Save big with a standard interest rate between 5.99% and 14.99% on
purchases and balance transfers✪
Check Your Rate
Find out the rate you're eligible for before you apply, without
affecting your credit rating
No Annual Fee
Your savings are true because they don't get chipped away by an annual
Please note that your responses and credit information are protected by law and remain completely confidential.
How does this work?
- By submitting the form below, your request will automatically generate an inquiry on your credit bureau file.
- The information will then be shared with TransUnion, an external credit reporting agency. If everything matches, we will verify your identity and provide you with the low annual interest rate that you are eligible to receive.
- If you apply and are approved for this credit card, your rate and credit limit will be assigned to you at that time.
$0 annual fee
A low annual interest rate of 5.99%, 7.99%, 9.99%, 12.99% or 14.99% on all purchases, balance transfers✪ and access cheques
The interest rate you receive is dependent on your credit worthiness
The annual interest rate for cash advances (including ATM and over-the-counter transaction) is 24.99%
If at any time your Minimum Payment is late twice within any 12 consecutive Statement Periods (the “change event”), the standard annual interest rates ("Standard Rates") that apply to your account at that time will increase to the following new Standard Rate(s):
Balance transfers and access cheques: 21.99%
Cash advances: 24.99%
The new Standard Rate(s) will apply in the second Statement Period following the change event.
If you then pay each Minimum Payment on time for 12 consecutive Statement Periods (“cure period”), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply in the Statement Period following the cure period.
✪Balance transfers and access cheques must be repaid and otherwise dealt with according to the terms of your Account Agreement and are subject to credit availability.
Balance transfers and access cheques cannot be used for repayment of any account established or maintained by MBNA or its affiliates. A transaction fee may apply. See your Account Agreement for full details.
To be charged on the day the transaction or event occurs:
Transaction fees (minimum of $7.50 in each case)
Cash advances: 1% of amount advanced
Cash equivalents: 1% of amount advanced
Balance Transfers at standard rates: 1% of amount advanced
Balance Transfers at promotional rates: 3% of amount advanced (We may offer and disclose a lower promotional rate balance transfer fee at the time we make an offer to you).
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
All trade-marks are the property of their respective owners.
® / MBNA and other trade-marks are the property of the Toronto-Dominion bank.
Over the credit limit (to be charged on the Statement Closing Date):
$25.00 per Statement Period
Returned payment: $20.00 per occurrence
Extra copy of account statement or sales draft: $2.50
Inactive credit balance: If your account is inactive for longer than 12 consecutive months and has a credit balance, we will charge you annually on the date that your account was last active the lesser of: (1) the credit balance or (2) $25.00.