TD Rewards Visa* Card

Warning

This card is no longer offered by the provider.
Please click below to see the other travel cards available.

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First year rewards (up to)

Gift card
5,000 TD Points when you keep your Account open, active and in good standing for 90 days after Account opening. Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Cash advance: 22.99%
Balance transfer: 22.99%
%
Purchase interest rate
Cash advance: 22.99%
Balance transfer: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Rewards
Earn points on each dollar you spend
How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel
3  points per dollar
Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com4
How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries
How much do you spend at restaurants each month? Some cash back credit cards give you a percentage of cash back for every dollar spent in a restaurant. Give an estimate, if you're unsure. Restaurants
How many of your monthly bill payments are setup to be paid by your credit card? Would you add more, if you knew you could earn cash back on them? Estimate how much you could have coming off your credit card each month and put that number here. Bills
2  points per dollar
Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases2, and regularly recurring bill payments3 – $5,000 spend cap per category per calendar year
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Earn 1 TD Rewards Point for every $1 you spend on all other purchases5
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of a TD Reward Point

The average dollar value of an individual TD Reward Point is $0.005. To see how we calculated this, click here.

How to redeem your TD Reward Points

How to Redeem

  • To redeem TD Points or TD Rewards Points for travel purchases charged to your Card that are booked through Expedia for TD, Cardholder can vist ExpediaForTD.com.
  • To redeem TD Points or TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program / TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase.
Legal

1 Must apply by December 1, 2019. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to the TD Rewards Visa Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 10,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 6 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 4 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account, earn 4 TD Rewards Points for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") and at restaurants including fast food restaurants ("Restaurant Purchases") charged to the Account, earn 4 TD Rewards Points on each $1 in regularly recurring bill payments ("Pre Authorized Payments"), and earn 2 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 3 TD Rewards Points for every $1 on Online Travel Purchases, earn 2 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, Restaurant Purchases and Pre-authorized Payments, and earn 1 TD Rewards Point for every $1 on all Other Purchases. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 Earn 2 TD Rewards Points (""PAP Rebate"") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa Card Account (""Account"") and that are classified through the Visa network as ""recurring payments"" (""Pre-Authorized Payments""). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend (""$5,000 Cap""). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (""Standard Rebate""). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 Earn 3 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD (""Online Travel Purchases"") and charged to your TD Rewards Visa Card Account (""Account""). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 2 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD (""Phone Travel Purchases"") and charged to your TD Rewards Visa Card Account (""Account""). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 1 TD Rewards Point (""Standard Rebate"") on every $1 on all other Purchases (""Other Purchases"") charged to your TD Rewards Visa Card Account (""Account""). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. * Trademark of Visa International Service Association and used under license."

Card details

Network: VISA
Provider: TD
Card type: Rewards, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

Get more details

  • Limited time offer! Earn 2x TD Rewards Points on all Purchases in the first three months up to a total of 10,000 TD Rewards Points+. Offer ends December 1, 2019. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • No Annual Fee
  • Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases, and regularly recurring bill payments.
  • Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com
  • Earn 2 TD Rewards Points for every $1 when you book travel by phone through Expedia For TD4
  • Earn 1 TD Rewards Point for every $1 you spend on all other purchases
  • Flexibility to use your TD Rewards Points on what you want – gift cards, merchandise, travel and more.
  • Your TD Rewards Points will never expire as long as you are a Cardholder
  • Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click on the Apply Now button.