TD Ameritrade Client Rewards Credit Card Frequently Asked Questions

¿Cómo gano puntos con el programa de la TD Ameritrade Client Rewards Credit Card?
When do points post to my account?
¿Cómo gano la recompensa adicional del 10% del programa de la TD Ameritrade Client Rewards Credit Card?
How can I redeem my points?
Are there any transactions that do not earn points?
¿Los puntos se vencen?
Are there any restrictions on redemption of points?

¿Cómo gano puntos con el programa de la TD Ameritrade Client Rewards Credit Card?

Ganará un 1.5% (1.5 puntos) por dólar gastado en todas las compras netas. Las compras netas son compras nuevas menos cualquier crédito, devolución o ajuste. Su cuenta debe estar abierta y solvente para poder ganar y canjear las millas.
As an example: $10,000 spent in purchases x 1.5% (1.5 points)/per dollar spent in purchases = 15,000 points.

When do points post to my account?

Points are posted to your account each billing cycle based on purchases that post to your Account within that billing cycle. Any returned items, credits, and adjustments will be deducted from the points earned within that billing cycle.

¿Cómo gano la recompensa adicional del 10% del programa de la TD Ameritrade Client Rewards Credit Card?

Si canjea sus puntos por devoluciones en efectivo para su cuenta TD Ameritrade elegible ganará un adicional de recompensa del 10%. Debe tener una cuenta TD Ameritrade elegible, que debe estar abierta y solvente, para poder canjear sus recompensas por devoluciones en efectivo y el adicional del 10%.

Ejemplo: $10,000 gastados en compras x 1.5% (1.5 puntos)/por dólar gastado en compras = 15,000 puntos. 15,000 puntos se pueden canjear por una devolución en efectivo de $150, más el adicional del 10% equivale a una recompensa en devolución en efectivo de $165.

If you redeem into your TD Ameritrade account, please note the below important things to know:
It is your responsibility to ensure that contributions made by TD Bank, N.A. to your eligible TD Ameritrade account on your behalf do not violate the terms of your TD Ameritrade account or applicable laws or regulations, including IRS rules and limitations applicable to contributions to tax–advantaged retirement accounts. Neither TD Bank, N.A. nor TD Ameritrade is responsible or liable for any tax penalties, fines, or changes imposed on you due to any such violation.

The ability to contribute to an IRA account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. You are responsible for ensuring that any cash back contributions you direct into such accounts are in compliance with those IRS rules and specific program policies.

How can I redeem my points?

Points may be redeemed upon request of the primary account holder at specified levels for a variety of merchandise, cash back, gift cards, and travel rewards found at tdbank.com/tdaclientrewards. Specific merchandise, gift cards, and travel rewards are subject to availability, and include only those participating partners found at tdbank.com/tdaclientrewards. In order to redeem your points for cash back, you must have at least 2,500 points. All redemptions start at 2,500 points. For details on how to receive cash back, visit tdbank.com/tdaclientrewards or call the Rewards Center at 1–877–745–5041.

Are there any transactions that do not earn points?

Balance transfers, cash advances, fees, interest charges, disputed and unauthorized or fraudulent charges, purchases made by or for a business or for a business purpose, account refunds, rebates, and similar credits are not eligible for points. In addition, any returned purchases will be deducted from the points earned.

¿Los puntos se vencen?

Siempre que la cuenta permanezca abierta y sea solvente, los puntos no se vencen y no hay ningún tipo de restricción en cuanto a la cantidad de puntos que se pueden ganar.

Are there any restrictions on redemption of points?

Your account must be in open and in good standing in order to redeem points. If your account is closed for any reason, by you or by us, your membership in the Client Rewards Program will be terminated and the total balance of your accumulated points will be forfeited. We may, at our sole discretion, cancel, modify, restrict, or terminate the Client Rewards Program or any aspects or features of the Client Rewards Program at any time without prior notice. All interpretations of Rewards terms and conditions shall be at our sole discretion. In the event of any fraudulent, abusive, or gaming activity related to the Client Rewards Program, as determined by us in our discretion, we reserve the right to make adjustments to your Client Rewards Program point accruals, and/or to cancel your participation in the Rewards Program, and/or cancel your Account at any time. Points have no cash value except when redeemed in connection with the Client Rewards Program for a cash back redemption, and may not be used in place of payment of any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other account owed to TD Bank. Points may not be transferred or assigned.

The Client Rewards Program terms may change at any time or be discontinued with or without notice to you. Please telephone Customer Service at 1–855–489–5680 for questions.

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