No time to apply right now?
Get this offer by email and pick up where you left off, whenever suits you.
Pros & Cons
Pros
- +Welcome Bonus: 15,152 points
- +Up to 3x at restaurants
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
With the TD Rewards Visa* Card, you can earn TD Rewards points on your everyday purchases, such as groceries, dining out, bill payments, public transit, streaming services, or travel bookings.
You can earn 15,152 TD Rewards points†, a value of $50 on Amazon.ca†, when you spend $500 within 90 days of account opening†.
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases†
- Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
Your card also allows you to redeem your TD Rewards points for a wide variety of rewards, including through ExpediaMD for TD, at Starbucks®, and on Amazon.ca with the Amazon Shop with Points program. Conditions Apply.
- Mobile Device Insurance of up to $1,000 if you lose or damage your phone†
- No blackout dates†, no seat restrictions†, and your TD Rewards points never expire† as long as your account remains open and in good standing.
- Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks® locations. Conditions Apply.
Rewards
All Spending
1x
TD Rewards pts per dollar
Restaurants
3x
TD Rewards pts per dollar
Groceries
3x
TD Rewards pts per dollar
Transit
3x
TD Rewards pts per dollar
Recurring
2x
TD Rewards pts per dollar
Streaming
2x
TD Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
60,600
TD Rewards/yr
Estimated Value
$303
After Fees
+$303
1st Year Value
$379
incl. welcome bonus
Annual rewards breakdown
- Earn 15,152 TD Rewards after $500 in purchases within the first 3 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%Quebec21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Terms & Conditions
Card Features
Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases, with no Annual Fee. Conditions Apply.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Legal
†Terms and conditions apply.
Related Cards
FAQ
What are the annual fees for the TD Rewards Visa Card?
The TD Rewards Visa Card has no annual fees, and additional cardholders are also free.
Are there any income requirements for the TD Rewards Visa Card?
No, the TD Rewards Visa Card has no minimum income requirement; applicants must only be Canadian residents and of legal age in their province.
How do you earn points with the TD Rewards Visa Card?
The TD Rewards Visa Card offers 4 points on Expedia for TD, 3 points on groceries/restaurants/transportation, 2 points on bills/streaming, and 1 point on other purchases.
Are there any caps on points with the TD Rewards Visa Card?
Yes, the TD Rewards Visa Card has an annual cap of $5,000 per category for accelerated earning rates (groceries, restaurants, bills, streaming).
Do TD Rewards points expire with the TD Rewards Visa Card?
No, TD Rewards points from the TD Rewards Visa Card never expire as long as your account remains open and in good standing.
Does the TD Rewards Visa Card offer mobile device insurance?
Yes, the TD Rewards Visa Card includes mobile device insurance covering up to $1,000 in case of loss or damage.
Can you redeem points at Starbucks with the TD Rewards Visa Card?
Yes, the TD Rewards Visa Card allows you to earn 50% more TD Rewards points and Stars at Starbucks.
Can you use points on Amazon with the TD Rewards Visa Card?
Yes, the TD Rewards Visa Card allows you to redeem your TD Rewards points for purchases on Amazon.ca via Shop With Points.
Does the TD Rewards Visa Card offer discounts on car rentals?
Yes, the TD Rewards Visa Card offers a 10% discount at Avis and Budget in Canada/USA and 5% internationally.
Are there any restrictions for redeeming points with the TD Rewards Visa Card?
No, the TD Rewards Visa Card has no blackout dates or seat restrictions for point redemption.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.

