TD Rewards: Everything You Need to Know 2025

TD Rewards

Earn points

You’ll need a TD credit card linked to this program to earn TD Rewards points. Here are the two best ones.

TD First Class Travel^® Visa Infinite* Card

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 135,000 TD Rewards^† points and a rebate on annual fees for the first year:

20,000 TD Rewards points for the first purchase made with your Card^†
115,000 TD Rewards points if you spend $5,000 within 180 days of opening^†
A birthday bonus equal to 10% of the TD Rewards points you’ve earned in the past year, up to a maximum of 10,000 TD Rewards points^†.

Get an Annual Fee Rebate for the first year^†

With the TD First Class Travel® Visa Infinite* Card, you earn:

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

This TD credit card is one of the best TD travel rewards cards. As of April 30, it now offers access to VIP airport lounges, with 4 free visits per year.

TD Platinum Travel Visa* Card

With this new welcome offer for TD Platinum Travel Visa* Card, you can earn up to 50,000 TD points and get an annual fee Rebate for the first year†:

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^†.

There is no minimum income requirement for this TD credit card.

Redeem points

Expedia for TD

When booking your trip on the Expedia for TD website, you can apply your TD Rewards points directly at the time of purchase. This is the best value you can get for your TD Rewards points: 0.5 cents per point.

So 100,000 points = $500.

We’re going with the former because you can earn TD Rewards points at the best rate (up to 8 points per dollar) through the Expedia for TD website.

In practice, you have to connect with your login and password on the specific Expedia for the TD website (attention: do not make reservations directly on Expedia.ca!). You will then access your TD Rewards point balance and its dollar equivalent.

Then, all you have to do is search for a trip (hotel, flight, package, etc.) and proceed with the reservation.

You can then apply your TD Rewards points directly to that reservation (and if you don’t have enough points, the balance will be charged to your TD Rewards credit card).

Please note: Expedia for TD has been explicitly designed for TD members to use their TD Rewards points. Therefore, you cannot go directly to Expedia.ca or earn points with the Expedia Rewards loyalty program.

However, the rates are identical between Expedia for TD and Expedia.ca.

Other Trips

When you book your trip with any travel provider using your TD Rewards credit card, you can apply your points to the purchase (within 90 days).

This is the second best value you can get for your TD Rewards points: 0.4 cents per point.

So 100,000 points = $400.

This solution can be attractive for travel expenses you could not make on the Expedia for TD website (golf round fees, airport parking, ski lift tickets, etc.).

You can visit this page for a complete overview of all eligible travel expenses!

Other rewards

You can redeem your points for gift cards, items, or even cash back.

However, in our opinion, you will never get good value for your points this way. For example, if you redeem 10,000 points for cash back, you’ll only get $25, which is half of what you would get with a travel purchase ($50).

It is therefore much more interesting to use your points for travel as explained above.

TD Rewards Credit Cards

Here are the TD Rewards credit cards:

Here are some other TD credit cards that might interest you: