Earn rates

The TD Rewards Visa earns at four rates. Travel booked through Expedia For TD earns 4x points. Groceries, dining, and public transit earn 3x. Recurring bills and streaming or digital subscriptions earn 2x. All other purchases earn 1x. Bonus category earn rates are capped at $5,000 per year in each category; spending above that cap earns at the base 1x rate.

Spending category Earn rate Points per $100 spent
Travel via Expedia For TD 4x TD Rewards 400 pts
Groceries, dining, public transit 3x TD Rewards 300 pts
Recurring bills, streaming / digital 2x TD Rewards 200 pts
Everything else 1x TD Rewards 100 pts

TD Rewards points are redeemable for travel through Expedia For TD, purchases at Amazon.ca, and other retail and gift card partners, and are worth about 0.5¢ each (200 pts = $1) on travel. Points do not expire while the account remains open and in good standing.

Key benefits

No annual fee
No fee to carry the card, no income requirement to qualify. Every point earned is net positive with no annual cost to offset.
Flexible redemption
Points redeem on Expedia For TD with no blackout dates or seat restrictions, plus Amazon.ca purchases, Starbucks, and other retail partners.
Mobile device insurance
Coverage up to $1,000 for loss, theft, or accidental damage on a mobile device purchased with the card or on a plan paid with the card.
Purchase security and extended warranty
Purchase security covers new items against theft or damage for 90 days. Extended warranty doubles the manufacturer’s warranty up to 12 additional months.

Travel insurance

Coverage on the no-fee card is limited. There is no trip cancellation, trip interruption, or emergency medical insurance. The TD First Class Travel Visa Infinite includes a full travel insurance package at the same $139 annual fee as the TD Aeroplan Visa Infinite.

Good fit if

  • You want to earn on everyday spending without paying an annual fee. The 3x on groceries and dining is competitive for a no-fee card.
  • You book travel through Expedia For TD and want 4x back with no fee commitment.
  • Your bonus-category spend stays under $5,000 per category each year, where the higher rates still apply.

Less useful if

  • You spend heavily in the bonus categories. The $5,000 per-category cap drops you to 1x once you pass it.
  • You travel often and need coverage. This card carries no trip cancellation or emergency medical insurance.
  • You can use a fee card's higher rates. A paid TD Rewards card earns enough more to cover its fee at moderate spend.
Upgrade: Platinum Travel Visa → Compare: First Class Travel Visa Infinite →