Loyalty Program: TD Rewards

  • 2X points on all purchases
  • Premium Insurance
  • Visa Infinite Benefits
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Best Travel Rewards Credit Card In 2024

Earn up to $1,250 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Offer effective as of April 30, 2025.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card.
  • Earn 115,000 TD Rewards points when you spend $5,000 within 180 days of Account opening.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points.
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD.
  • Get an Annual Fee Rebate for the first year.
  • Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277).

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Starbucks Bonus Offer for New Linked Members: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit
  • Earn 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media
  • Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card plus earn an annual Birthday Bonus of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

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Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries6TD Rewards Points
  • Dining and Food delivery6TD Rewards Points
  • Local Transport6TD Rewards Points
Value
  • Year 1 $1,324
  • Year 2+ $371
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 4.5X points on grocery and restaurants purchases†
  • Purchase Insurance
Learn More

Earn the equivalent of up to $370 including up to 50,000 TD Rewards Points and no annual fee for the first year. Conditions apply. Offer effective as of January 7, 2025.

  • Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card.
  • 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening.
  • Get an annual fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 6 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 4.5 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
  • Earn 3 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
  • Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your Card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more
  • Booking your travel through Expedia® For TD to maximize the TD Rewards Points you can earn on your travel purchases.
  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
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†Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries4.5TD Rewards Points
  • Dining and Food delivery4.5TD Rewards Points
  • Local Transport4.5TD Rewards Points
Value
  • Year 1 $647
  • Year 2+ $219
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • $0 Annual fee
  • Purchase Insurance
  • Mobile Device Insurance
Learn More

Earn 15,152 TD Rewards points ($50 value on Amazon.ca) when you spend $500 within 90 days of account opening†. Conditions apply. Offer effective as of January 7, 2025.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 3 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
  • Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
  • Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your Card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
  • Mobile device insurance of up to $1000 if you lose or damage your phone.
  • Booking your travel through Expedia® For TD to maximize the TD Rewards Points you can earn on your travel purchases
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3TD Rewards Points
  • Dining and Food delivery3TD Rewards Points
  • Local Transport3TD Rewards Points
Value
  • Year 1 $281
  • Year 2+ $205
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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