TD Bank

TD Rewards Visa

Start with earn 30,310 TD Rewards Points (approx. $100 value on Amazon.ca).

Annual fee: $0
Reward type: TD Rewards
Point value: 0.5¢
Typical credit · 600+: 300+Poor
640+Fair
720+Good
760+Very Good
800+Excellent

🆓 No-Fee Points

Welcome bonus

New cardmembers can earn earn 30,310 TD Rewards Points (approx. $100 value on Amazon.ca) by completing the steps below.

How to earn it

New TD Rewards Visa cardholders who apply, are approved, and spend $1,500 within 90 days of account opening

Earn 4 TD Rewards Points per $1 spent on travel booked through Expedia For TD
Earn 3 TD Rewards Points per $1 spent on groceries, dining, and public transit
Earn 2 TD Rewards Points per $1 spent on recurring bill payments and streaming, digital gaming & media
Earn 1 TD Rewards Point per $1 spent on all other purchases
Points can be redeemed for travel, Amazon.ca purchases, statement credits, or past purchases
No expiry on TD Rewards Points as long as the account remains open and in good standing
No blackout dates or seat restrictions when redeeming through Expedia For TD

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.

What we like

No annual fee, making it a low-cost entry point into a rewards credit card ecosystem
Flexible TD Rewards program with multiple redemption options including Expedia for TD, Amazon.ca, statement credits, and past purchases
Strong everyday earning structure with accelerated points on travel (4x), groceries/dining/transit (3x), recurring bills and digital subscriptions (2x)

Worth noting

Low base earn rate of 1 TD Rewards Point per $1 on general purchases limits overall rewards efficiency
Rewards value is heavily dependent on Expedia for TD for maximum travel redemption value, creating ecosystem lock-in
Foreign transaction fee of 2.5% reduces value for international spending and makes the card inefficient for non-CAD purchases

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