Independent ClearFin review · TD Bank
Start with $100 in TD Rewards value for eligible Amazon.ca purchases.
Current new-cardmember offer
Confirm with the issuer
🆓 No-Fee PointsIts strongest published earn rate in our data is 2.0% on travel. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueNew cardmembers can earn $100 in TD Rewards value for eligible Amazon.ca purchases by completing the steps below.
The issuer's current comparison page lists conditions for earning and using the offer.
Confirm final approval criteria and current rates directly with the issuer.
Not explicitly disclosed by issuer.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting, Canadian residency, and age of majority requirements. This is an entry-level rewards card with broad accessibility compared to Visa Infinite products.
Reward limits: No explicit annual earning caps are disclosed for standard earn rates on the TD Rewards Visa Card.
Earning cap
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Use eligible TD Rewards points for travel through Expedia for TD or other travel options available under the program.
Redeem for eligible statement credits, education credits, gift cards, merchandise, and participating Shop The Mall purchases; values vary.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
Card carries no annual fee, making it accessible and low-cost for everyday use.
Flexible TD Rewards redemption
Points can be redeemed for travel, Amazon.ca purchases, statement credits, gift cards, and past purchases.
No expiry on TD Rewards Points
Points do not expire as long as the account remains open and in good standing.
No blackout dates or seat restrictions
Travel redemption through Expedia For TD has no blackout dates or seat restrictions.
Mobile device insurance
Coverage up to $1,000 for eligible mobile devices against loss, theft, or damage.
Strong everyday earning categories
Earn elevated points on groceries, dining, transit, recurring bills, streaming, and Expedia For TD travel bookings.
Easy integration with digital wallets
Supports Apple Pay, Google Pay, and Samsung Pay for secure contactless payments.
Access to partner redemption options
Redeem points through Expedia For TD, Amazon.ca, Starbucks, and other participating partners.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
4x TD Points via Expedia for TD. 3x on groceries, dining & transit. 2x on bills & streaming. 1x on everything else. No fee.
Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on travel and dining and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
