Lena Hayes
The TD Rewards Visa* Card is a no-fee entry-level travel rewards card that earns TD Rewards Points on everyday purchases. Points can be redeemed for travel through ExpediaForTD.com, gift cards, merchandise, or cash credits — all with no annual fee.
Quick highlights
- 🏖️ Earn 3 TD Rewards Points per $1 on ExpediaForTD.com travel bookings.
- 🍽️ Earn 2 TD Rewards Points per $1 on dining, groceries, and recurring bill payments.
- 💳 Earn 1 TD Rewards Point per $1 on all other eligible purchases.
- 💸 No annual fee and flexible redemption options.
Why we like the TD Rewards Visa* Card
This card makes it easy to earn and redeem TD Rewards Points for travel and everyday purchases. It’s a flexible, no-fee option with solid earn rates for grocery, dining, and recurring bill categories — perfect for everyday earners and travelers alike.
Stand-out features
- ✅ 3 TD Rewards Points per $1 on travel booked through ExpediaForTD.com.
- ✅ 2 TD Rewards Points per $1 on dining, groceries, and recurring bill payments.
- ✅ 1 TD Rewards Point per $1 on all other purchases.
- ✅ Redeem for travel, gift cards, or Amazon.ca purchases.
Good to know
- ⚠️ Points are most valuable when redeemed for travel via ExpediaForTD.com.
- ⚠️ No travel insurance or premium perks.
- ⚠️ Foreign currency purchases incur a 2.5% fee.
Pros
- No annual fee.
- Good earn rate for an entry-level rewards card.
- Flexible redemption options across travel, merchandise, and gift cards.
- Redeem easily through TD Rewards or ExpediaForTD.com.
- Great starting point for new TD clients or students.
Cons
- No insurance coverage or extra perks.
- Points have lower value outside travel redemptions.
- Foreign transaction fee of 2.5%.
Rewards program
- ✈️ 3 TD Rewards Points per $1 spent on ExpediaForTD.com travel.
- 🍴 2 TD Rewards Points per $1 spent on dining, groceries, and recurring bills.
- 💵 1 TD Rewards Point per $1 on all other eligible purchases.
How to maximize rewards
- Book travel exclusively through ExpediaForTD.com to get 3x points.
- Use the card for all groceries, dining, and recurring payments for steady 2x returns.
- Redeem points for travel to maximize redemption value.
- Pair with a TD travel or cash-back card for broader coverage.
Insurance & benefits
Included
- 🛍️ Purchase Security — coverage for theft or damage (90 days).
- 🕒 Extended Warranty — doubles manufacturer’s warranty up to one year.
- 💳 Visa Zero Liability protection.
Not included
- ❌ No travel insurance.
- ❌ No rental car or mobile device protection.
- ❌ No welcome bonus offer.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | 21.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best for
- ✈️ Travelers who want to earn flexible TD Rewards Points.
- 🍽️ Everyday spenders who prioritize groceries, dining, and bills.
- 🎓 Students or new credit users seeking a simple rewards card.
Where it falls short
- No travel or medical insurance.
- Lower point value outside ExpediaForTD.com.
- No bonus offer for new applicants.
Customer reviews
Positive feedback
“Good starter card with flexible travel redemptions.”
“No annual fee and simple to earn TD Rewards Points.”
Critiques
“Wish there was a welcome bonus.”
“Better value if you redeem for travel.”
Community insights
Canadians see the TD Rewards Visa* Card as a beginner-friendly way to earn travel points without paying an annual fee. It’s ideal for casual travelers or TD clients who want straightforward earning and redemption.
AI review (straight talk)
The TD Rewards Visa* Card keeps rewards simple — earn on everyday purchases and redeem flexibly for travel or merchandise. It’s not luxurious, but it’s efficient and free, making it a smart starter travel card.
Alternatives & comparison
| Card | Annual Fee | Top Categories | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| TD Rewards Visa* Card | $0 | 3x ExpediaForTD, 2x dining & groceries | 1x | Flexible redemptions | Travel starters |
| Scotiabank SCENE+® Visa Card | $0 | 2x dining & entertainment | 1x | SCENE+ perks | Movie fans |
| CIBC Dividend® Visa Card | $0 | 2% groceries | 0.5% | Cash back | Everyday spenders |
| Tangerine Money-Back Mastercard® | $0 | 2% custom categories | 0.5% | Custom choice | Flexible earners |
FAQ
Is there an annual fee?
No, the TD Rewards Visa* Card has no annual fee.
What are the earn rates?
Earn 3x TD Rewards Points on ExpediaForTD travel, 2x on groceries, dining, and recurring bills, and 1x on all other eligible purchases.
How can I redeem TD Rewards Points?
You can redeem through ExpediaForTD.com for travel or use points for gift cards, merchandise, and Amazon.ca purchases.
Does it include travel insurance?
No, the TD Rewards Visa* Card includes only purchase and warranty protection.
Final verdict & ratings
Our take The TD Rewards Visa* Card offers simple, flexible travel rewards without fees. It’s an excellent entry-level card for earning points on everyday purchases and travel bookings through ExpediaForTD.
| Overall | ★★★★☆ 4.2 / 5 |
|---|---|
| Rewards value | 4.1 / 5 — flexible redemptions via ExpediaForTD |
| Benefits & protections | 3.5 / 5 — limited but reliable |
| Fees & costs | 5.0 / 5 — no annual fee |
| Ease of approval | 4.4 / 5 — accessible for most Canadians |
