The TD Rewards Visa Card is a no-annual-fee rewards card earning up to 4 TD Rewards Points per dollar on travel booked through Expedia For TD, plus bonused rates on groceries, dining, and transit. It’s built for everyday spenders who want flexible points redemption without paying a fee to carry the card.
New cardholders can earn a $100 value in TD Rewards Points toward eligible Amazon.ca purchases by spending $1,500 within 90 days of account opening. Points don’t expire as long as the account stays active, and there are no travel blackout dates or seat restrictions when booking through Expedia For TD.
Redemption flexibility is a core part of the card’s appeal, since points can go toward travel, Amazon.ca purchases, Starbucks, or statement credits rather than being locked into one narrow use case.
Who This Card Makes Sense For
This card is a good fit if you:
- Want a no-fee rewards card with flexible redemption options
- Spend regularly on groceries, dining, or public transit, where the bonused 3x rate applies
- Book travel through Expedia For TD and want the highest earn rate on those purchases
- Want to add up to 3 additional cardholders at no extra cost
It’s a weaker fit if you:
- Want airport lounge access or premium travel insurance, since neither is included on this card
- Book travel outside of Expedia For TD and wouldn’t benefit from the 4x category rate
- Prefer straight cash back over a points-based rewards program
Eligibility and Documents Needed
TD’s page doesn’t publish a specific minimum income figure for this card. You must be a Canadian resident who has reached the age of majority in your province or territory to apply.
Beyond residency and age requirements, expect standard identification and employment details during the application.
How to Apply
You can apply online for an instant response, call 1-855-315-4325, book an appointment, or visit a TD branch in person.
Fees and Conditions
The numbers that matter most:
- Annual fee: $0
- Additional cardholder fee: $0, for up to 3 additional cardholders
- Purchase interest rate: 21.99%
- Cash advance rate: 22.99%
TD’s page doesn’t disclose a specific foreign transaction fee for this card — check your cardmember agreement for the exact currency conversion terms if you shop internationally often.
Points earn at different rates depending on category:
- 4 TD Rewards Points per $1 on travel booked through Expedia For TD
- 3 TD Rewards Points per $1 on groceries, dining, and public transit
- 2 TD Rewards Points per $1 on recurring bills, streaming, and digital media or gaming
- 1 TD Rewards Point per $1 on all other purchases
A household spending $500 a month across groceries, dining, and transit earns 1,500 points monthly from that category alone, on top of whatever the other tiers add. Because points don’t expire while the account is active, there’s no pressure to redeem before a deadline.
The welcome offer and redemption network round out the value:
- $100 value in TD Rewards Points toward eligible Amazon.ca purchases after spending $1,500 within 90 days of account opening
- Redemption options include Expedia For TD travel, Amazon.ca, Starbucks, and statement credits
- No blackout dates or seat restrictions when booking travel through Expedia For TD
Because the offer changes periodically, confirm the exact structure on TD’s page before applying. The Amazon.ca redemption option in particular makes this card useful for people who don’t travel often but still want to turn everyday spending into tangible value.
Additional coverage and perks include:
- Mobile device insurance up to $1,000
- Purchase security and extended warranty protection
- TD Payment Plans, letting you split purchases over $100 into fixed installments
- Avis and Budget car rental discounts
TD Payment Plans give cardholders a way to finance a larger purchase without opening a separate line of credit, which can be useful for anything from electronics to travel bookings that don’t fit comfortably into a single statement cycle. Mobile device insurance is a practical add-on for a no-fee card, since phone replacement costs often exceed what a standard purchase protection window would cover elsewhere.
Because there’s no annual fee, it’s worth comparing this card against TD’s premium travel cards if you fly often enough to justify a fee in exchange for lounge access or elevated travel insurance. For everyday spenders who want a flexible, no-cost rewards card with strong redemption options, the TD Rewards Visa keeps things simple.
Frequently Asked Questions
Do TD Rewards Points expire?
No, as long as the account remains active.
Where can I redeem my points?
Points can be redeemed for travel through Expedia For TD, Amazon.ca purchases, Starbucks, or statement credits.
Is there a fee to add additional cardholders?
No, up to 3 additional cardholders can be added at no cost.
Are there blackout dates for travel redemptions?
No, there are no blackout dates or seat restrictions when booking through Expedia For TD.
Does this card charge an annual fee?
No, the TD Rewards Visa Card has no annual fee.
