Overview
The TD Rewards program is TD Bank’s proprietary rewards program. Every purchase made with an eligible TD credit card earns you points, which you can then redeem for travel, Amazon purchases, gift cards, or a statement credit. The best value is obtained through the Expedia For TD platform, where every 200 points equals $1 in savings on your trip.
Here is everything you need to know to fully understand the program, choose the right TD credit card, and use your TD Rewards points at the best possible rate.
Understanding the TD Rewards program
The TD Rewards program is available exclusively to holders of an eligible TD credit card. It works on a simple principle: you earn points on everyday purchases, then choose how to redeem them.
Here are the key points to remember:
- TD Rewards points never expire as long as your TD credit card account remains open, active, and in good standing.
- No blackout dates and no seat restrictions for Expedia For TD bookings.
- You can view your points balance in the TD app or in EasyWeb, on the “My TD Rewards” page.
- The number of points earned each month is shown on the first page of your monthly statement.
Value of TD Rewards Points
The value of a TD Rewards point depends entirely on how you use it. Here are the four redemption options, ranked from most to least advantageous:
Milesopedia uses an average value of 0.5¢ per point, provided you always redeem your points on Expedia For TD. Redeeming points for merchandise or a statement credit cuts the value in half: this is best avoided if you travel, even occasionally.
Earning TD Rewards points
To earn TD Rewards points, you need a TD credit card that is part of the program. Three main cards earn TD Rewards points, each with its own earn rate and cap.
Carte Visa Infinite* TD Classe ultime VoyagesMD
This is the most generous card in the program. It offers the highest earn rates, a $100 annual travel credit, and access to VIP airport lounges. It requires a personal income of at least $60,000 or a household income of $100,000.
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
- 20,000 TD Rewards Points for the first purchase made with your card†
- 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
- A Birthday Bonus of up to 10,000 TD Rewards Points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and 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)†.
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† per dollar on your grocery, dining and public transit purchases
- 4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
- 2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
- Annual fee
- $0 $139No annual fee the first year
- Our valuation
- $939Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 160,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on TD's website
TD Platinum Travel Visa* Card
The TD Platinum Travel Visa* Card is a mid-tier option in the program. It has no minimum income requirement, making it an attractive entry point. However, its bonus earn rates are capped at $15,000 in annual purchases per category.
With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:
- 15,000 TD Rewards points for the first purchase made with your card†
- 35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening†
This TD travel rewards credit card requires no minimum income.
- Annual fee
- $0 $89No annual fee the first year
- Our valuation
- $339Milesopedia first-year estimate First-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on TD's website
TD Rewards Visa* Card
This is the no-annual-fee option in the program. Ideal for discovering TD Rewards with no financial commitment or as a companion card. Its bonus earn rates are capped at $5,000 in annual purchases per category.
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.
- Annual fee
- $0
- Our valuation
- $76Milesopedia first-year estimate First-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 15,152 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on TD's website
Earn rate comparison
| Spending Category | Visa Infinite Ultimate Travel | Platinum Travel Visa | TD Rewards Visa (no fee) |
|---|---|---|---|
| Expedia for TD | 8 pts/$ | 6 pts/$ | 4 pts/$ |
| Groceries, restaurants, public transit | 6 pts/$ | 4.5 pts/$ | 3 pts/$ |
| Recurring bills, streaming | 4 pts/$ | 3 pts/$ | 2 pts/$ |
| All other purchases | 2 pts/$ | 1.5 pts/$ | 1 pt/$ |
| Annual cap per bonus category | No cap | $15,000 | $5,000 |
| Annual Fee | $139 | $89 | $0 |
Using your TD Rewards points
The TD Rewards program offers several ways to redeem your points. Not all options are equal. Here are the four main ones, from best value to least advantageous.
1. Expedia For TD: 0.5¢ per point
On the Expedia For TD website, every 200 TD Rewards points equals $1 in savings on your bookings.
This is the best possible value for your points: 100,000 points = $500.
The portal is reserved for holders of an eligible TD card. You will find:
- Flights, hotel nights, car rentals, cruises, vacation packages, and activities
- The same prices as on Expedia.ca
- No blackout dates or seat restrictions
- The ability to combine points and a credit card in the same booking
2. Travel credit to your account (Book Any Way): 0.44¢ per point
If you book travel with a provider other than Expedia For TD—a travel agent, airline website, hotel, AirBnB, etc.—you can still apply your points to the expense within 90 days of the transaction. The value then drops to 0.44¢ per point: 100,000 points = $440.
This option is useful for travel expenses you won’t find on Expedia For TD: a round of golf while travelling, airport parking, a ski lift ticket, tolls, etc.
3. Amazon.ca — Shop with Points: 0.33¢ per point
By linking your TD Rewards card to your Amazon.ca account, you can pay for purchases with your points at checkout. Each point is then worth $0.0033: 10,000 points = $33.
Registration is done on the Shop with Points program page on Amazon.ca. Points can be redeemed in minimum increments of 3 points.
4. Statement credit, gift cards, and merchandise: ≈ 0.25¢ per point
You can also redeem your points for:
- A statement credit to pay down part of your balance (but not interest charges)
- Gift cards from partner brands
- Merchandise in the TD Rewards catalogue (electronics, appliances, clothing, etc.)
- Starbucks Stars, after linking your Starbucks Rewards account
In these cases, the value of a point drops to around 0.25¢. For example, 10,000 points = $25 as a statement credit—half of what the same points would be worth on Expedia For TD. These options can help in a pinch, but they are never the best use of your points.
How to redeem your TD Rewards points step by step
The My TD Rewards portal is accessible from the TD app or EasyWeb. Here are the steps to use your points depending on the option chosen:
To book on Expedia For TD
- Sign in to expediafortd.com with your TD credentials.
- Your points balance and its dollar equivalent appear at the top of the screen.
- Search for your trip (flight, hotel, car rental, cruise, or package).
- At checkout, choose how many points to apply (in increments of 200).
- Pay the remaining balance with your TD credit card.
To apply your points to a travel purchase paid elsewhere
- Book and pay for your trip with the provider of your choice using your TD Rewards credit card.
- Within 90 days of the transaction, go to My TD Rewards > Pay for Purchases.
- Select the eligible travel purchase.
- Choose the number of points to apply. The credit will appear on your statement.
Additional program benefits
Linking with Starbucks Rewards
By linking your eligible TD credit card to your Starbucks Rewards account, you receive 50% more TD Rewards points and more Stars on your Starbucks purchases at participating merchants in Canada. You can also redeem your TD Rewards points for Starbucks Stars directly in My TD Rewards.
Birthday bonus (Ultimate Travel only)
The TD First Class Travel Visa Infinite* Card offers an annual birthday bonus equal to 10% of the points earned in the previous 12 months, up to 10,000 points. If you earn 100,000 points in the year, you therefore receive a 10,000-point bonus on your next account anniversary.
$100 annual travel credit (Ultimate Travel only)
The TD First Class Travel Visa Infinite* Card includes a $100 TD travel credit, applied to the first eligible travel purchase of at least $500 (taxes included) charged to the account on Expedia For TD between January 1 and December 31. The credit resets every January 1, but it does not carry over from one year to the next.
Airport lounge access (Ultimate Travel only)
As of April 30, 2025, the TD First Class Travel Visa Infinite* Card provides 4 free visits per year to more than 1,200 VIP airport lounges worldwide, through the Visa Airport Companion program with DragonPass. Registration is done directly with Visa.
TD Rewards Credit Cards
Here are the program’s three TD credit cards, shown side by side:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $0 |
Here are other TD credit cards that may interest you (programs other than TD Rewards):
Articles
Frequently Asked Questions about the TD Rewards program
The TD Rewards program is simple on the surface, but a few details deserve clarification. Here are the most useful questions to understand how the program works.
How much is a TD Rewards point worth?
The value of a TD Rewards point depends on how you use it. The best ratio is on Expedia For TD, where 1 point equals 0.5¢: 100,000 points provide $500 in bookings. On a travel purchase paid elsewhere and applied within 90 days, the ratio drops to 0.44¢ per point. On Amazon.ca with Shop with Points, it is 0.33¢ per point. Gift cards, merchandise, and cash back as a statement credit are around 0.25¢ per point. Milesopedia therefore uses an average value of 0.5¢, provided you always redeem your points on Expedia For TD.
Which TD credit cards earn TD Rewards points?
Three main cards feed the program. The TD First Class Travel Visa Infinite* Card is the most generous, with 8 points per dollar on Expedia For TD, 6 points on groceries, restaurants, and public transit, 4 points on subscriptions and recurring bills, and 2 points everywhere else. The TD Platinum Travel Visa* Card earns 6 points per dollar on Expedia For TD, 4.5 points on groceries, restaurants, and transit, 3 points on recurring bills, and 1.5 points everywhere else (cap of $15,000 per category). The no-fee TD Rewards Visa* Card earns 4 points on Expedia For TD, 3 points on groceries, restaurants, and transit, 2 points on recurring bills, and 1 point everywhere else (cap of $5,000 per category).
Do TD Rewards points expire?
No. TD Rewards points do not expire as long as your TD credit card account remains open, active, and in good standing, and the agreement with TD Bank has not ended. However, if you close your card without holding another card in the TD Rewards program, your points are forfeited. To avoid any loss, use your points before closing a card or switching products.
Why does Expedia For TD offer the best return?
Expedia For TD offers the program’s best redemption ratio: 200 points = $1, or 0.5¢ per point. That is double what gift cards or merchandise provide. In addition, you can combine points and a credit card in the same booking, with no high minimum redemption. Flights, hotels, car rentals, cruises, and activities are all eligible, and you can simultaneously earn up to 8 points per dollar with the First Class Travel card, creating a very efficient earning loop. In practical terms, a $1,000 trip paid via Expedia For TD with the First Class Travel card earns 8,000 points, or $40 toward a future booking.
What is the difference between TD Rewards and TD Aeroplan?
Both programs coexist at TD, but they are completely separate. TD Rewards is the in-house program usable via Expedia For TD, as a travel credit to your account, on Amazon.ca, or for merchandise. Points cannot be transferred and do not provide access to Star Alliance airlines. TD Aeroplan, on the other hand, earns Aeroplan points directly, which can be used on Air Canada, its Star Alliance partners, and the dynamic Aeroplan chart. The TD Aeroplan Visa Infinite Privilege* Card is the most premium on the Aeroplan side, while the TD First Class Travel Visa Infinite* Card is its counterpart on the TD Rewards side. Choosing between the two depends on your travel style: multi-provider flexibility (TD Rewards) or Star Alliance flights (Aeroplan).
How many points do you need for a Montreal–Paris flight?
It depends on the cash price of the ticket. On Expedia For TD, the calculation is simple: 200 points erase $1 from your bill. A Montreal–Paris round-trip economy ticket priced at $800 therefore costs 160,000 points if you pay entirely with points. You can also pay part in points and the rest with your card. Where TD Rewards particularly shines is on travel purchases outside airline networks—boutique hotels, car rentals, cruises, excursions, and all-inclusive packages—where it offers stable, predictable value.
How do I check my TD Rewards points balance?
Four simple ways to see your balance. In the TD app or in EasyWeb, go to the My TD Rewards page. Your monthly statement also shows on the first page the total points earned during the month and your overall balance. Finally, the Expedia For TD portal displays your points balance and its dollar equivalent as soon as you sign in.
Can you combine TD Rewards points and cash in the same booking?
Yes. On Expedia For TD, you choose how many points to apply (in increments of 200) at checkout, then pay the remaining balance with your TD credit card. For travel purchases paid elsewhere and applied to your account, the same principle applies: points cover part of the expense and the rest remains on your statement.
How do I contact TD Rewards customer service?
For any questions about your TD Rewards points, the TD Rewards Customer Service Centre can be reached at 1-888-315-1233, Monday to Friday, from 9:00 AM to 8:00 PM (Eastern Time). For questions related to your TD credit card, call 1-800-983-8472, daily from 7:00 AM to midnight (ET). To book a cruise on Expedia For TD, the dedicated number is 1-800-707-7327.
Point values
| Redemption type | ¢ / point | Confidence |
|---|---|---|
| otherdefault | 0.50 | medium |
Cards that earn in this program
4 cards found
- Annual fee
- $0 $139No annual fee the first year
- Our valuation
- $939Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 160,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on TD's website
- Features
- Issuer
- TD
- Network
- Program
- TD Rewards
- Fees and terms
- Annual Fee
- $139/yr
- Min. annual income
- $60,000+
- Rewards
- Rate
- Groceries
- 6x
- Restaurants
- 6x
- Transit
- 6x
- Bills & recurring payments
- 4x
- Streaming
- 4x
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $1,149Milesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$149Total$1,149Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 200,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$149Total$1,149Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on TD's website
- Features
- Issuer
- TD
- Network
- Program
- TD Rewards
- Fees and terms
- Annual Fee
- $149/yr
- Min. annual income
- —
- Rewards
- Rate
- Restaurants
- 6x
- Bills & recurring payments
- 6x
- Annual fee
- $0
- Our valuation
- $76Milesopedia first-year estimate First-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 15,152 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on TD's website
- Features
- Issuer
- TD
- Network
- Program
- TD Rewards
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Rewards
- Rate
- Restaurants
- 3x
- Groceries
- 3x
- Transit
- 3x
- Bills & recurring payments
- 2x
- Streaming
- 2x
- Annual fee
- $0 $89No annual fee the first year
- Our valuation
- $339Milesopedia first-year estimate First-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on TD's website
- Features
- Issuer
- TD
- Network
- Program
- TD Rewards
- Fees and terms
- Annual Fee
- $89/yr
- Min. annual income
- —
- Rewards
- Rate
- Transit
- 4.5x
- Groceries
- 4.5x
- Restaurants
- 4.5x
- Bills & recurring payments
- 3x
- Streaming
- 3x
