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. 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.

Who it suits

The TD Rewards Visa is a straightforward no-fee option for cardholders who book travel through Expedia For TD or want to earn on everyday spending without committing to an annual fee. The 3x on groceries and dining is competitive for a no-fee card. The $5,000 per category cap limits the earn on high-volume spenders, and the absence of travel insurance means frequent travellers should consider whether a fee card provides better total value.

Upgrade: Platinum Travel Visa → Compare: First Class Travel Visa Infinite →