When you want more rewards, the More Rewards MasterCard is designed to provide you with what you want. You decide on the rewards that suit you best. Take advantage of other features such as online account access as well.
How To Earn Points
Earning points with the credit card is relatively simple. For every purchase that you make with the card, you earn points. The more you spend, the more you earn. When you want to boost the amount of points you earn, there are many different retailers that you can use the card at. This includes such places as:
- Coopers Foods
- Save-on Foods
- Overwaitea Foods
- Urban Fare stores
Each of these will allow you to earn even more points than at traditional merchants, allowing you to quickly reach the levels you want to buy what you want. There is no limit to what you can earn in a year. Because the card is MasterCard, you can earn points around the globe. Whether you go in person, make purchases online or use the card over the phone, millions of merchants accept the card.
How To Spend Points
After you have earned the points you need, you can choose how you want to spend them. Unlike other cards, you have multiple options of how you want to spend the points. You can make a charitable donation with the points or use them for in-store merchandise at participating grocery stores. You can also use the points to earn free travel and merchandise as well as redeem the points for gift cards at various retailers around the country.
You can continue to earn rewards based upon the number of points you have in your account. If you have enough points, there is no limit to the number of rewards you want to redeem in a calendar year.
Additional Card Benefits
There are many card benefits that you can take advantage of. While earning rewards is nice, you can also enjoy other benefits without spending any additional benefits. This includes:
- 24/7 customer service
- Online account access
- Chip & pin technology
- Fraud protection
- Low fees
The customer service on the MasterCard is 24/7. You can talk to a live representative at your convenience. Whether you want to ask a question about a card feature or dispute a charge, you have the ability to do so when you want. The customer service representatives are available by toll free phone number as well as by email.
Online account access is another complimentary benefit provided by The Toronto-Dominion Bank. You can log on with a unique password and username. Once logged on, you will be able to view account balances, credit line availability and past transactions made. Additionally, statements can be viewed and payments can be scheduled online. The account tools are designed to help you manage your money better. You can avoid going into debt when you have all information at your fingertips.
Chip and pin technology is featured on the card to add additional protection. You enter a pin number to ensure your transaction goes through. This is an advanced method of security instead of matching up signatures. A pin cannot be copied the way a signature can, providing a more secure way of spending.
Fraud protection is ongoing, 24/7. The bank monitors your account activity to ensure it is you making all of the purchases. If anything out of the ordinary is detected, you will be notified. Your card is safe to use all over the world and online. If a fraudulent purchase appears, there is a zero fraud liability clause on the account, meaning you won't be responsible for paying the charge.
The card features a lot of low fees, making it affordable for you. There is no annual fee on the account and there is a low interest rate. You have the opportunity to pay your bill in full each month to avoid interest rates. You can also make smaller payments and have the interest accrue to help you manage your money more effectively.
Applying for the More Rewards MasterCard credit card is simple. Once you're approved, you can start earning rewards with your first purchase. You can then enjoy the other tools throughout the year so you can ensure you are keeping up with your credit card account.