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TD Rewards Visa Card Review 2024

Updated: Jun 4, 2024, 8:52am

Fact Checked

The TD Rewards Visa* Card is a card with no annual fee that mainly benefits those loyal to ExpediaForTD. While it does include a few solid perks, like mobile device insurance , rental car discounts and extended warranty protection on purchases, it’s really only a solid option if you’re looking to bank with TD, travel using ExpediaForTD and want to pay no annual fee.

• No annual fee
• Mediocre travel and consumer protection plan

Table of Contents

Introduction, quick facts, td rewards visa* card rewards, td rewards visa* card benefits, how the td rewards visa* card stacks up, methodology, is the td rewards visa* card right for you.

• Advertiser's Disclosure
• Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†, plus no Annual Fee. Account must be approved by January 6, 2025.
• Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.
• 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 Points. Conditions Apply.
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

The TD Rewards Visa* Card is a no-annual-fee travel rewards card with a decent welcome bonus. New applicants can earn 15,152 TD Rewards Points for keeping their accounts open and active for the first 90 days.

Beyond that, this card shines on purchases and redemptions through ExpediaForTD. You’ll earn 4 points per dollar spent booking through their travel portal. Redeeming through this platform is also the best way to maximize the value of your points, earning 0.5 cents per point. This translates to a maximum value of 2% on your purchases through ExpediaForTD.

You’ll also earn 2 points per dollar on recurring bills, along with 3 points per dollar on dining and groceries. However, these earn rates drop to 1 point per dollar after exceeding $5,000 in annual spending per category. The remainder of your purchase categories will earn 1 point per dollar spent.

Other no-annual-fee cards , like other cash back and rewards cards , offer higher earnings and more flexibility to redeem where you want—without losing potential value. This card restricts earning potential by imposing $5,000 spending caps on groceries , restaurants and recurring bills. Your earn rate drops to 1 point per dollar after exceeding these limits.

Overall, this is a decent starter card for those new to credit cards or students looking to earn travel rewards without paying an annual fee. But cards with higher earn rates and more perks may be preferable for big spenders despite their annual fees. The TD Rewards Visa Card best suits low-volume spenders who use ExpediaForTD as their go-to travel booking site.

• Maximum earn rate of 2% when spending and redeeming through ExpediaForTD.
• $5,000 annual caps on groceries, dining and bills, 1 point per dollar afterward.

Earning rewards

Earning rewards with the TD Rewards Visa Card is straightforward—you simply use the card for everyday purchases and the points automatically accumulate in your account. You’ll earn:

• 4 points per dollar spent booking travel through ExpediaForTD
• 3 points per dollar on groceries and dining (up to a limit of $5,000 per year per category)
• 2 points per dollar on recurring bills (up to a limit of $5,000 per year)
• 1 point per dollar on all other eligible purchases
• Earn 50% more TD Rewards points at Starbucks when you link your card to your Starbucks Rewards account

The earn rates are decent but nothing extraordinary. TD Rewards generally carry a maximum redemption value of 0.5 cents per point. This translates to a maximum earn rate of 0.2% to 2% on spending.

Redeeming Rewards

Redeeming TD Rewards points is done through the TD Rewards website or app. You have various redemption options, including travel, shopping and financial rewards.

• ExpediaForTD travel: Use your points to book travel directly through ExpediaForTD. Booking with this offers the best value for points redemption, as you’ll get a fixed 0.5% per point. There are also no blackout dates and you can apply points to airline taxes and fees.
• Book Any Way: You can use your points to book your trip through any other travel agency or website. Points can be applied to various travel expenses including within 90 days of your purchase.
• Amazon Shop with Points: Use your points to pay for your purchases on Amazon.ca.
• Starbucks Rewards: Convert your points into Stars at Starbucks when you link your card to your Starbucks Rewards account.
• Merchandise and gift cards: You can cash in TD Rewards Points for merchandise and gift cards.

Financial Rewards

• Pay With Rewards: Use your points to help pay down your credit card balance.
• Education Credits from HigherEdPoints: Redeem your points towards tuition (for yourself or someone else) at over 100 institutions for higher education.

Rewards Potential

The earning potential with the TD Rewards Visa* Card is decent but not market-leading. Forbes Advisor estimates that an average Canadian will earn $263.25 in rewards annually. This is calculated using average spending trends. You’ll need to purchase and redeem through ExpediaForTD to maximize rewards potential, achieving an effective 2% return.

Your rewards potential is limited by spending caps, which apply to grocery/dining and recurring bill categories. Although you’ll earn 2 to 3 points per dollar on these categories, they’ll drop to 1 point per dollar after exceeding $5,000 in annual spending. For example, you will only receive 1 point per dollar on groceries after exceeding the annual spending limit. Note that the spending caps apply to each individual spending category, meaning exceeding the grocery limit won’t reduce your recurring bills earn rate.

Aside from earning on your everyday spending, this card offers some other benefits. That said, it doesn’t have as much to offer as many other rewards cards on the market.

• Mobile Device Insurance: Get up to $1,000 in the event of loss, theft, damage or breakdown of your mobile device.
• Purchase Security: This will repair, replace or reimburse you if your item is lost, stolen or damaged within 90 days of purchase.
• Extended Warranty: Double the manufacturer’s warranty up to 12 additional months.
• Optional Travel Insurance: This card offers the option of travel emergency medical insurance, trip cancellation insurance and trip interruption insurance.

Other Perks

• Discounts on Car Rentals: Save at least 10% off the lowest available base rates in Canada and the U.S. and a minimum of 5% off the lowest available base rates internationally at participating Avis and Budget locations.
• Starbucks Rewards: Earn 50% more TD Rewards points at Starbucks when you link your card to your Starbucks Rewards account.

Interest Rates

• Regular APR: 19.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $0
• Any other fees: Additional cardholder $0

TD Rewards Visa* Card vs. RBC ION+ Visa Card

Those willing to pay a $4 monthly fee can benefit from the enhanced earning potential of the RBC ION+ Visa Card. This card earns 3 Avion points per dollar on groceries, restaurants, gas, ride shares, EV charging, streaming, subscriptions and digital gaming. Every other category (including travel) earns 1 point per dollar spent.

Notably, RBC Avion points carry a value of up to 2.33 cents per point. As such, you’ll receive a maximum 2.33% to 6.99% earn rate on your purchases, eclipsing the 0.2% to 2% offered through the TD Rewards Visa* Card. Furthermore, the RBC ION+ Visa Card doesn’t have the spending cap as seen with the TD counterpart.

Overall, the RBC ION+ Visa Card is better for high-spenders looking to earn more points on everyday purchases. However, the TD Rewards Visa Card is best for frequent travellers looking to enhance points through ExpediaForTD.

TD Rewards Visa* Card vs. MBNA Rewards Platinum Plus Mastercard

The MBNA Rewards Platinum Plus Mastercard provides shocking rewards for a no-annual-fee credit card. Forbes Advisor estimates that an average Canadian will earn $439.59 in annual rewards value from this card. This is contrasted with the $263.25 in rewards expected from the TD Rewards Visa* Card. Both calculations are based on the same average spending habits of Canadians.

The elevated earning potential is due to the higher spending caps and earning rate. The MBNA card earns a base rate of 2 points per dollar spent on restaurant, grocery, digital media, membership and household utility purchases, up to $10,000 in spend per category. This cap is double that of the TD card, which sees many categories evaporate after $5,000 in spend.

Assuming a maximum point value of 1 cent per point, the MBNA Rewards Platinum Plus Mastercard earns up to 2% on its top spending categories. Meanwhile, the TD Rewards Visa Card only earns this rate on ExpediaForTD purchases.

As such, the MBNA Rewards Platinum Plus Mastercard is better for those who want increased rewards on everyday purchases.

TD Rewards Visa* Card vs. HSBC +Rewards Mastercard

The HSBC +Rewards Mastercard is not great for those who want to maximize rewards. Instead, it’s best for those who want to carry a balance. This is because of the exceptionally low interest rate offered by the HSBC Card. Most credit cards—-including the TD Rewards Visa* Card—charge almost double.

However, anyone looking to optimize rewards earning potential should skip this card. Although it has a $25 annual fee, Forbes Advisor estimates that the average Canadian will only earn $152.15 in annual net earnings. This is lower than the mid-market estimation of $263.25 for the TD Rewards Visa Card.

Overall, the TD Rewards Visa* Card is better if you want to earn more points. Meanwhile, the HSBC +Rewards Mastercard is best if you plan to carry a balance and want to reduce your interest payments.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With this card, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind. what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD Rewards Visa Card is a solid option for occasional travellers who want to earn rewards without paying an annual fee and frequently use ExpediaForTD to book flights and hotels. This card is also a good choice for beginners starting with credit cards or students looking for a no-fee card.

However, a cash-back card like the no-annual-fee Tangerine Money-Back Card provides better returns thanks to their ability to earn up to 2% on 2 to 3 categories of your choosing. The TD Rewards Visa* Card also lacks premium travel perks and insurance coverage, so it’s not ideal if you want luxury benefits and security.

Additionally, a cash-back card would be a smarter pick over this travel-focused TD option if you prefer earning flexible cash back over rigid travel points. Overall, the TD Rewards Visa Card suits budget-minded travellers happy with ExpediaForTD and its straightforward rewards structure.

Related: Best Credit Cards To Use in Canada

Frequently Asked Questions (FAQs)

Does td rewards visa* have travel insurance.

No, the TD Rewards Visa Card does not have travel insurance coverage . It only includes more basic protections like purchase protection, extended warranty and mobile device insurance. You’d need to upgrade to the TD First Class Travel Visa Infinite Card for a TD card with travel insurance.

What is a rewards Visa card?

The TD Rewards Visa Card is an entry-level, no annual fee travel rewards card issued by TD Bank. It earns TD Rewards points that can be redeemed for travel booked through ExpediaForTD, cash back, gift cards, statement credits and more.

Its key features include no annual fee, a 15,152 point welcome bonus, 4 points per dollar on ExpediaForTD purchases and 2 to 3 points per dollar on groceries, dining and bills.

How to redeem TD Visa Reward points?

There are a few different ways to redeem TD Rewards points earned with the TD Rewards Visa Card:

• Book travel through ExpediaForTD (get 0.5 cents per point value)
• Redeem for any travel (0.4 to 0.5 cents per point)
• Utilize education credits (0.4 cents per point)
• Shop on Amazon.ca (0.33 cents per point)
• Get statement credits and gift cards (0.25 cents per point)
• Purchase merchandise (0.20 cents per point)

To maximize value, points should be redeemed for travel booked through ExpediaForTD where possible. You can redeem by logging into your TD Rewards account.

Why should you get a rewards credit card?

Rewards credit cards are an easy way to earn points on everyday spending. With most programs, you can use the points for travel, merchandise, gift cards and statement credits.

How do you earn TD Rewards Points on your credit card?

You earn TD Rewards Points on your credit card by using it for your everyday spending. With this card, you’ll earn points on all your purchases, but you’ll earn more points when spending with ExpediaForTD or on groceries, restaurants, bill payments and at Starbucks.

Advertiser's Disclosure

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Daniel is an expert on travel, finance, and SEO. He grew up in Toronto, receiving an Honours BBA (Finance) from Wilfrid Laurier University. Today, Daniel is based in Lisbon, Portugal, but some of his most adventurous destinations include Cairo, Rio, and Istanbul.

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Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Domestic Deals

From British Columbia to Newfoundland, find your perfect Canadian hotel on Expedia For TD. Browse thousands of hotels today!

Sign-in using your existing TD online banking credentials.

Stay flexible with free cancellation

Enjoy booking flexibility and filter your search by free cancellation when booking a stay in case your plans change.

Why is it important to have travel flexibility?

At Expedia For TD, we don't want customers to be left without options. It's important to us that customers are able to change their plans. Situations around the world change quickly, and sometimes that means postponing or changing our travel plans. As long as you make sure that you book with the option of free cancellation, you'll be protecting your wallet. To learn more about our policies, visit our Customer service portal .

Cleaning and Safety Practices

Explore a property’s amenities when booking your next stay to see the enhanced cleanliness , social distancing and safety measures & precautions the property is taking to ensure your health & safety.   

Why Book with Expedia For TD

Terms and Conditions: 

1 Hotel offers are only available at participating Expedia For TD Special Rate hotels and may vary by length of stay. Please see specific details for each of the properties listed above by clicking the hotel of interest. Search with your preferred travel dates to view the discounted rates applicable for your stay. The hotel discounts advertised on this promotion page apply to selected properties only and all rates are subject to availability. The discounted property rates can also be accessed via searching on the homepage. Prices are per double-room including all taxes and fees. Offers are subject to availability and may be discontinued without notice. Additional restrictions may apply. Subject to supplier availability.

2 TD First Class Travel Visa Infinite Cardholders earn 8 TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Travel Visa Cardholders earn 6 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Visa Cardholders earn 4 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Visa Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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.

3 TD Points and TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points and TD Rewards Points must be redeemed in minimum increments of 200 or 250-points as fully explained in the Cardholder Agreement and Benefit Coverages Guide for your Card. We can decrease the required minimum point redemption increment at any time.

4 Expedia's Price Guarantee applies to hotel bookings made via the ExpediaForTD.com website or by telephone via Expedia For TD's call centre and are pre-paid to Expedia For TD at the time of booking. To take advantage of Expedia’s Best Price Guarantee, you must submit a claim online at Expedia For TD within the eligibility period of booking. The claim will be reviewed and in the unlikely event that you find a lower price (including all applicable taxes and fees) for the same booking on Expedia For TD or on a Canadian-based website within the eligibility period of booking with ExpediaForTD.com, Expedia will credit or refund to you the difference. For the full Terms and Conditions of Expedia's Price Guarantee, visit https://www.expediafortd.com/price/guarantee/info .

By Barry Choi

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How TD Rewards work and how to maximize your points

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Editor's note

Advertisers are 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 advertiser product, please visit their Web site.

How do TD Rewards stack up against other travel rewards cards? While the travel benefits it offers might not seem as compelling as others, its flexibility and partnership with Expedia make this program a great option.

If you’re thinking about getting a bank-affiliated travel rewards credit card, TD Rewards is one program worth taking a closer look at. The travel rewards are structured around Expedia, one of the largest online travel companies in the world. Not only will you be able to redeem your points for just about any type of travel you can think of, but you can also use points for gift cards, merchandise, and more.

Since TD Rewards is partnered with Expedia, many people say it’s the easiest program to use. Just about everyone has used Expedia before, so navigating the website is incredibly simple and intuitive. Best of all, TD has a few different credit cards that earn you TD Rewards, so you can start earning points regardless of your income level. Keep reading for more details about how TD Rewards work and how you can maximize your points.

Understanding TD Rewards points value

One of the most important things to know about TD Rewards is the value of one point. Some people will quickly take a look at the redemption chart and think TD Rewards isn’t very good since each point is worth less than 1 cent each. While that’s true, you earn points at a much higher rate compared to some of the other bank travel rewards programs out there, so the value you’re getting with TD is similar.

That said, what you use your points for will determine how valuable your points are. Since TD Rewards has so many different redemption options, you’ll want to know what your points are worth when claiming your rewards.

As you can see, the best value is $0.005 per point when you make a travel purchase through Expedia® for TD. Expedia has partnerships with just about every travel operator in the world, so it won’t be hard to find something that meets your needs. That said, if you’re looking to book some travel that doesn’t appear on Expedia, TD Rewards still allows you to use your points to offset your costs at $0.004 per point.

Even though travel rewards give you the best value for your points, TD Rewards does have a few additional redemption options. You can use your points on continuing education, gift cards, merchandise, and as a statement credit.

If you do plan on redeeming your points on Expedia® for TD, there’s no real reason to save them up as the value per point will be the same no matter what. In other words, you might as well spend any available points whenever you book travel.

It’s worth mentioning that your TD Rewards points will never expire as long as your credit card is in good standing.

How to earn TD Rewards

The only way you can earn TD Rewards points is with a TD credit card. Currently, TD has three personal credit cards that allow you to earn TD travel rewards.

TD Rewards Visa* Card

Get notified about new welcome offers by email

• Rates & Fees
• Eligibility
• Pros & Cons

Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†

Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†

Earn 2 TD Rewards Points for every $1 you spend on recurring bills†

Earn 1 TD Rewards Point for every $1 you spend on all other purchases†

Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†

Purchase APR APR for purchases 19.99%†

Balance Transfer Rate APR for balance transfers 22.99%†

Cash Advance APR APR for cash advances 22.99%†

Annual Fee Additional cardholder is $0

Purchase APR

Balance Transfer Rate

Cash Advance APR

Recommended Credit Score

Required Annual Personal Income

Required Annual Household Income

Wide range of point redemption options, including travel†, Amazon.ca†, online retailers†, card statement credits†, etc.

Good rate of return on spending and redeeming via the travel platform Expedia® For TD†

Decent value for those that have a high volume of recurring bills

Point redemption values are moderate to poor

Low spending limits for earning extra points on groceries and restaurants

High credit score requirement

• Card details Less details

TD Platinum Travel Visa* Card

TD Rewards points for every $1 spent on travel with ExpediaForTd.com

TD Rewards Points for every $1 spent on groceries and dining out

TD Rewards Points for every $1 spent on recurring bill payments

TD Rewards Points for every $1 spent on everything else

Annual Fee Waived for the first year

Foreign Transaction Fee

TD First Class Travel® Visa Infinite* Card

max 75K pts

Earn up to $700 in value†, including up to 75,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by September 3, 2024.

Sep 3, 2024

Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points

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 when you book at Expedia For TD†

The annual fee is in USD

Purchase APR APR for purchases 20.99%†

Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

Major combined value for the welcome bonus (up to $700 in value)†

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

The TD Rewards Visa* Card is an entry-level card that is attractive since it has no annual fee. That said, the TD First Class Travel® Visa Infinite* Card is easily the most popular of all the TD Rewards credit cards offered since it comes packed with travel benefits.

TD does occasionally run promotions where you can earn additional TD Rewards points with your credit card, but they don’t have any merchant partners.

How to redeem TD Reward points

How you redeem your TD Rewards points will depend on what you’re trying to claim. Just about every redemption goes through tdrewards.com. Once you’re logged in, you’ll see your current balance along with all the different things you can claim. As you check each tab, you’ll have a more detailed breakdown of what you can get with your points.

Expedia® for TD

The most popular option is travel with Expedia. When you’re ready to book, head over to Expedia® for TD via  tdrewards.com . Even though Expedia® for TD is separate from the regular Expedia, they’re exactly the same. You would make your regular travel reservations and when you’re ready to pay, you’ll be prompted to use your TD Rewards points. When redeeming your points, you need at least 200 TD Rewards points to get $1 off. No extra steps are required as the points are withdrawn right at checkout.

Read more:  Maximize your travel value with Expedia® for TD

TD Rewards is one of the few bank travel programs that allow you to redeem your points for any travel purchase that you charge to your TD credit card. This can be highly beneficial since Expedia doesn’t typically have vacation properties like what you’d find on Airbnb. Additionally, when you book directly with some brands, your status would be recognized. That’s not always the case when booking with Expedia. It takes 200 TD Rewards points for $1 in any travel purchase.

Continuing education

One very underrated option for your TD Rewards points is the ability to use them for continuing education. TD Rewards is partnered with higheredpoints.com. This organization allows you to convert your TD Rewards points to education credits at participating institutions.

Like most other loyalty programs, TD Rewards allow you to use your points on gift cards. How many points it takes for redemption depends on how much you want to claim and for which merchant. Generally speaking, it’ll cost you about 400 points for $1 in gift cards. It’s worth noting that TD Rewards does run a few promotions on occasion where it takes fewer points to redeem a gift card. If you’re interested in getting gift cards and you’re in no rush, it can be worth waiting for these deals.

Other options

Finally, there are two other options to use your points. You can use them to redeem merchandise via the  tdrewards.com  website. They have hundreds of products to choose from, but the value for your points is not the best. Additionally, you can use your points as a statement credit that would offset your monthly bills.

How to maximize your TD Rewards points

Since TD Rewards is a very simple program, there’s only so much you can do with your points. That said, there are a few tips that you can use to ensure that you’re maximizing the value of your points.

• Always pay with your TD credit card.  Since you can only earn points with a TD credit card, you should be charging every purchase possible. You’ll want to pay extra attention to the categories that give you an increased earn rate since that’s an easy way to earn points fast.
• Try to stick to Expedia® for TD.  When you book travel through Expedia® for TD, you’re getting the most value for your points. Any other redemption is not worth as much, so try to avoid them.
• Look for a generous signup bonus.  TD typically has a great welcome offer a few times a year. If you’re in the market for a new card, wait until there’s a bonus that’s worthwhile.

How TD Rewards compares

Of all the bank travel rewards programs available, many argue that TD Rewards is the easiest to use since you book your travel through Expedia® for TD.

Compared to  BMO Rewards , which has its own travel portal, TD Rewards is arguably better due to the Expedia partnership. That said, some people may prefer  HSBC Rewards  and  Scotia Rewards  which allow you to book any type of travel without any devaluation to your points.

TD Rewards does lack a fixed redemption chart and transfer partners that  American Express Membership Rewards  has. While that may not be important to some people, having those extra options is always nice. If this is important to you, you could consider the  TD® Aeroplan® Visa Infinite* Card , which has a high travel earn rate and offers redemption options via the Aeroplan loyalty program.

When it comes to other redemption options, TD Rewards is similar. You can use your points for statement credits, merchandise, and gift cards. One unique feature of TD Rewards is the ability to use your points for continuing education. Not many travel rewards programs give you that option.

It takes a minimum of 200 TD Rewards points when redeeming for travel via Expedia or 250 TD Rewards points for travel not booked through Expedia. Either way, that’s a low minimum number of points required to make a redemption.

TD Rewards FAQs

How to check td reward points.

When you log in to tdrewards.com, you’ll be able to see your balance.

Do TD Rewards expire?

As long as you have an active TD Rewards Visa and your account is in good standing, your TD Rewards points will never expire.

Can TD reward points be converted to cash?

You can convert your TD Rewards points into a statement credit, but not physical cash.

The last word

TD Rewards is a simple program that many people will gravitate towards. If you like to travel, then you’ll have no problem finding what you need through Expedia® for TD. That said, the TD Rewards Visa cards available can be a bit lacking compared to  HSBC credit cards . HSBC cards typically have more travel benefits. That’s not to say HSBC is better than TD – they’re just different. As a consumer, you choose the program that best aligns with your goals.

Related:  The best TD credit cards in Canada

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

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TD launches refreshed credit card rewards lineup just in time for the holiday season

4 minute read

Reimagined TD Rewards suite showcases accelerators and exclusive benefits across several everyday spend categories and travel

TORONTO , Nov. 8, 2022 /CNW/ - TD is pleased to announce that its refreshed TD Rewards credit cards portfolio is now available. From accelerated earning on popular spend categories like groceries, restaurants and travel, to enhanced insurance coverages and flexible redemption options beyond travel rewards, the updated suite introduces benefits that serve to make every day more rewarding for TD customers. Current TD Rewards cardholders will automatically get access to the updated card benefits and perks.

"Our customers asked for it, and we delivered: a revamped TD Rewards lineup with valuable ways to earn more through these everyday purchases," says Meg McKee , Senior Vice-President, Canadian Cards, Payments, Loyalty and Personal Lending, TD Bank Group. "Whether you're someone who's planning your next big vacation, or simply looking to turn everyday spend into a step closer to incredible rewards, the new refreshed cards help make each purchase count."

After over two years of varying COVID-related travel restrictions, this holiday season is gearing up to be a busy one when it comes to travel.

"While it's incredibly optimistic to see Canadians re-embrace travel, the last 2+ years have highlighted the importance of flexibility when it comes to travel rewards," says McKee. "For example, with our refreshed TD First Class Travel Visa® Infinite card, customers can enjoy more choice when it comes to earning, as well as redeeming for all kinds of travel needs including different experiences that make trips more memorable. We've also worked to deepen our non-travel redemption options, so our suite also benefits those staying close to home."

Refreshed TD Rewards lineup highlights

TD First Class Travel Visa® Infinite

• New accelerated earn rates on high-use spend categories like groceries, restaurants, regularly recurring bill payments and travel booked through Expedia For TD
• New perks, such as an annual TD Rewards Birthday Bonus (value of up to $50 ) and a $100 annual TD Travel Credit
• Enhanced insurances , including new Mobile Device Insurance, Hotel/ Motel Burglary Insurance, and Flight/ Trip Delay Insurance, and increased Travel Medical Insurance coverage

For more information on the changes to the TD First Class Travel Visa® Infinite, please visit https://www.td.com/ca/en/personal-banking/products/credit-cards/firstclasstravelvisaFAQ/

TD Platinum Travel® Visa

• New and increased accelerated earn rates on high-use spend categories like groceries, restaurants, and travel booked through Expedia For TD
• Enhanced insurances , including new Mobile Device Insurance and Hotel/ Motel Burglary Insurance

For more information on the changes to the TD Platinum Travel®, please visit https://www.td.com/ca/en/personal-banking/products/credit-cards/platinumtravelvisaFAQ/

TD Rewards® Visa

• No Annual Fee
• Enhanced insurance, including new Mobile Device Insurance

For more information on the changes to the TD Rewards® Visa, please visit https://www.td.com/ca/en/personal-banking/products/credit-cards/rewardstravelvisaFAQ/

TD Rewards Points are worth more when redeemed through Expedia For TD, but cardholders can also enjoy the flexibility of booking trips through any other travel agency or website. There are no travel blackouts, seat restrictions, or expiry for TD Rewards Points, provided an account is open and in good standing. Other perks across the TD Rewards program include the ability to redeem TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points, as well as redemption options for everyday perks like cash back, gift cards, Starbucks Rewards and more.

New Card Design

As a part of the changes, TD has launched new card designs across its proprietary consumer and business card offerings. The new eco-friendly card design is made up of 90% recycled plastic, which will translate into a savings of 18.5 tons of single-use plastic per year. Existing customers will receive their newly designed replacement card when their current card expires.

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or the "Bank"). TD is the sixth largest bank in North America by assets and serves more than 27 million customers in three key businesses operating in a number of locations in financial centres around the globe: Canadian Retail, including TD Canada Trust, TD Auto Finance Canada, TD Wealth ( Canada ), TD Direct Investing, and TD Insurance; U.S. Retail, including TD Bank, America's Most Convenient Bank®, TD Auto Finance U.S., TD Wealth (U.S.), and an investment in The Charles Schwab Corporation; and Wholesale Banking, including TD Securities. TD also ranks among the world's leading online financial services firms, with more than 15 million active online and mobile customers. TD had CDN$1.8 trillion in assets on July 31, 2022 . The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

SOURCE TD Bank Group

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The best TD credit cards in Canada

We’ve broken down our picks for the best TD credit cards – whether you’re looking for cash back, points, no-fee cash back, or low interest.

Why trust us

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our  advertising and trusted partners .

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The best TD credit cards in Canada by category

By Keph Senett on May 9, 2024 Estimated reading time: 9 minutes

As one of Canada’s Big Six banks, TD offers a wide array of financial services, including an impressive portfolio of more than two dozen credit cards. We’ve broken down our picks for the best TD credit cards in Canada, so that you’ve got the information to make the choice best for you. Whether you’re looking for a credit card that is perfect for low interest, cash back (including one with no annual fee), flexible travel points (think: Expedia), a co-branded travel card (that’s Aeroplan), we have options for you.

Best credit card for cash back

If you like cash rewards, you’ll want to take a look at the TD Cash Back Visa Infinite. Its main draws: a strong 3% return in three very popular spending categories, and comprehensive roadside assistance perks. 

TD Cash Back Visa Infinite Card

• Annual fee: $139 (rebated for the first year)
• Earn rate: 3% cash back on gas, grocery and recurring bill payments; 1% on all other purchases
• Welcome offer: You can earn up to $500 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Account must be approved by January 6, 2025.
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Rewards redemptions : Redeem at anytime when you have at least $25 worth of cash back earned
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
• Rack up 3 times the cash back on groceries, gas and recurring bills
• Cardmembers receive complimentary roadside service membership , a rare credit card perk in Canada, that provides 24 hour emergency help when you’re on the road (to get something similar from the CAA could cost you $119). 
• Comprehensive travel insurance includes: up to $2 million in travel medical insurance on trips of up to 10 days and delayed or lost baggage protection.
• Your cash back never expires and you can redeem it (in $25 increments) whenever you want.
• The bonus categories have annual caps: After you spend $15,000 in the gas, grocery or recurring bill payment categories in a year, cash back earnings fall to the 1% base rate.
• A handful of other cash back cards earn over 3% on groceries and gas. (Read about Canada’s best cash back cards .)
• The minimum household income requirement of $60,000 personal or $100,000 household might be too high for some Canadians to qualify.

Best credit card for flexible travel points

Thanks to the partnership between TD and Expedia, you can redeem TD points you collect on the TD First Class Travel Visa Infinite for virtually anything travel-related. That includes hotels, vacation packages, and flights—at any airline, hotel or travel provider listed on one of the world’s largest travel comparison sites. That flexibility puts this card on our best TD credit cards list.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• You get 8 TD points per dollar spent on ExpediaforTD.com (which is a 4% return), making this card among the highest returns on travel spending for Canadians (a fave pastime, second only to real estate ). 
• Reap the benefits of anniversary bonuses: cardholders are eligible to receive up to a $100 TD Travel credit and 10% the points they’ve earned through the year.
• Unlike the experiences of other travel credit card programs, redemptions with Expedia for TD are super straightforward: 200 TD points are worth $1 on travel redemptions. No complicated rewards charts. No convoluted points values or calculations needed.
• While you can redeem points for travel outside of Expedia For TD or for merchandise or gifts, you’ll get less value out of your points this way.
• There’s no ability to transfer TD points to other airline or hotel loyalty programs.

Best for travel with Air Canada

The new TD Aeroplan Visa Infinite has a lot on offer for travellers, especially those who prefer booking with Air Canada. 

TD Aeroplan Visa Infinite Card

• Annual fee: $139
• Earn rates: 1.5 Aeroplan points per $1 spent on gas, groceries and purchases made directly through Air Canada (including vacation packages), and 1 point per $1 on all other purchases
• Welcome bonus: You can earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card; earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening. Conditions apply. Account must be approved by September 3, 2024.  
• Anniversary bonus: Earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of opening the account. Conditions apply. Account must be approved by September 3, 2024.
• Point value: Aeroplan points are worth $0.02 on average
• Recommended credit score for approval : 660 or higher
• Interest rates: 20.99 % on purchases, 22.99% on cash advances, 22.99% on balance transfers
• Receive Air Canada perks, including: preferred pricing on travel redemptions, savings on baggage fees, and you could extend these benefits to up to 8 travel companions.
• Comes with a robust insurance package that includes up to $2 million in coverage for up to 21 days. 
• Cardholders can get a rebate on NEXUS fees every two years.
• Get closer to Aeroplan elite status by earning Aeroplan Miles on your everyday purchases (can be used for seat upgrades and more).
• You can only redeem rewards through Aeroplan partner airlines (includes Air Canada, United, and others), which might limit your options for airlines and/or destinations.
• While lucrative, Aeroplan isn’t exactly the simplest travel points programs to grasp, so it may not be the right fit for anyone who would get frustrated with fluctuating redemption values, which can change based on a destination, time of travel and so on.

Best no-fee cash back credit card

If you want to earn cash back but don’t want to pay an annual fee, consider the TD Cash Back Visa. Know, though, that the perks are lean—expect purchase security and extended warranty—but like other TD cards, your cash back rewards never expire, and you can redeem this money whenever you want.

TD Cash Back Visa Card

• Annual fee: $0
• Earn rate: 1% cash back on eligible grocery and gas purchases, and on recurring bill payments; 0.5% cash back on everything else
• Welcome bonus: None
• Income requirement: None
• Recommended credit score for approval: Not specified
• Interest rates: 19.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
• Additional benefits: Purchase security and extended warranty; save a minimum of 10% off of car rentals at Avis and Budget in Canada and the U.S., and a minimum of 5% off internationally.
• With no annual fees and no minimum income requirements, this card is accessible to many Canadians.
• The rewards can be redeemed whenever you want (but in $25 increments) and never expire. 
• Earning 1% on groceries, gas, and recurring bill payments is a comparatively low rate, as is the 0.5% base rate. Consider these other no-fee credit card alternatives .
• There are no real perks with this card aside from a discount on rental cars at Avis and Budget.

Best student credit card

It’s not common to find rewards cards without an annual fee, and even less so with a solid rewards earn rate. The TD Rewards Visa Card offers a great entry point for students on a budget.

TD Rewards Visa Card

• Earn rates: 4 TD Rewards points per $1 spent on travel purchases made through Expedia for TD , 3 points per $1 on groceries and at restaurants, 2 points per $1 on recurring bill payments, and 1 point on all other purchases
• Welcome offer: You can earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no Annual Fee. Conditions Apply. Account must be approved by January 6, 2025.
• Recommended credit score: 660 or higher
• Interest rates: 19.99% on purchases, 22.99% on cash advances and 22.99% on balance transfers
• With no annual fee and a low interest rate, this card has a lot on offer for Canadians on a budget.
• You can earn well on travel and top spending categories like groceries.
• TD Rewards is an easy-to-understand points system, which is perfect for credit card newbies and students. 
• Although you can earn points when you book through ExpediaforTD.com, there are no travel perks featured on this card. 

Best low-interest credit card

If you need to finance a big purchase, have an unexpected expense, or just want to score an ultra-low interest rate, this TD credit card is a pretty good option. 

TD Low Rate Visa Card

• Annual fee: $25
• Interest rates: 12.90% on purchases (13.90% for Quebec residents)
• Welcome bonus: earn an 8.99% promotional interest rate on Purchases for the first 6 months from Account opening. Conditions Apply. Account must be approved by September 3, 2024.
• Annual income requirement: None
• Interest rates: 12.90% on cash advances (13.90% for Quebec residents), 12.90% on balance transfers (13.90% for Quebec residents)
• With a low annual fee and low interest rates (nearly half the typical APR ), even on cash advances, this card is a great tool for managing expenses.

Cons: 

• There are no rewards associated with using this card, which is typical for a low interest credit card.

TD All-Inclusive Banking Plan

TD’s All-Inclusive Banking Plan is a premium bank account that offers top-tier services and valuable discounts, some of which reward those carrying select TD credit cards. For example, All-Inclusive Banking Plan account holders receive an annual fee waiver when they sign up for certain TD credit cards for both the primary and one additional card holder—for as long as they carry the account. Just how much can you save? A bundle. The TD Cash Back Visa Infinite, for example, costs $139 annually plus $50 for up to one authorized cardholder. The $189 annual savings nicely offsets the account fees while allowing you to leverage the perks associated with your credit card. Eligible cards include the following: TD Aeroplan Visa Infinite, TD Aeroplan Visa Platinum, TD First Class Travel Visa Infinite , TD Platinum Travel Visa, and TD Cash Back Visa Infinite .

Sweetening the pot for account holders, TD rewards with premium chequing account benefits such as unlimited debit transactions and Interac e-Transfers, a small safety deposit box, money orders and personalized and certified cheques—all included. Additionally, there are no TD transaction fees when you use an ATM in Canada, the U.S. or internationally (except for exchange rate fees). Clearly, bundling accounts with the big banks has its perks, including that it keeps things simple.

This premium account does come at a premium price. The monthly fee is $29.95, or $22.45 for seniors. However, for those who can afford to keep $5,000 parked in the account, that fee is rebated, meaning all these perks including the credit card rebates are free. Otherwise, you’ll want to weigh the benefits against the cost. The annual fee comes out to nearly $360 (or almost $270 for seniors) but any credit card rebates would come out of that total.

How to use TD’s cash-back dollars

The TD Cash Back Rewards credit card program lets you redeem on-demand without time restrictions, unlike some other programs that restrict you to once per calendar year. You can redeem once you’ve accumulated $25 (that’s the minimum redeemable amount, too) and your cash-back rewards never expire. The TD program is one of the most flexible cash-back programs out there, though it’s worth mentioning that BMO does have an edge in that you can redeem with as little as $1 in your account.

How to redeem TD travel points

TD Rewards points can be redeemed for a range of gift cards, merchandise and even cash–but they’re first and foremost made for travel redemptions, specifically from the Expedia For TD website . The value of your points varies according to what you redeem them for, and how. We break down the options below:

How much is a TD travel point worth on Expedia For TD

200 TD points = $1 1 TD point = 0.5 cent

You’ll get the very best value from your points when redeeming on ExpediaforTD.com . There, you can put your points toward booking free or discounted travel from Expedia, one of the world’s largest travel search engines and online travel agencies. There are no blackout dates or airline restrictions, and the points values remain consistent no matter how, when or where you’re travelling, making this method a winner for those who don’t want to spend their time deciphering rewards charts.

Book Any Way

250 TD points = $1 on the initial $1,200 of travel booking 1 TD point = 0.4 cent (0.4%)

200 TD points = $1 on any amount that is over $1,200 1 TD point = 0.5 cent (0.5%)

If you don’t want to book through Expedia For TD, you have the flexibility to go elsewhere. That includes buying your tickets as directly from an airline or a travel agency. You can use TD points for virtually anything travel-related including flights, hotels, tours and car rentals. Simply select the Book Any Way option when you redeem your points. The one disadvantage: At 0.4 of a cent per point on the initial $1,200, you’ll get slightly less value than you would on Expedia For TD. This works out to about 25% less value per point.

Redeem points for cash

400 TD point = $1 1 TD point = 0.25 cent (0.25%)

Everybody loves cash, but at 400 points per $1, using your TD points to get it isn’t the best idea. If you want to earn cash with TD, it’s better to go with one of TD’s cash back cards. However, if you’re still looking to turn your points into cash, you can–just know that you need a minimum of 10,000 points.

Redeem points for gift cards

Average 1 TD point = 0.25 cent (0.25%)

There’s a wide variety of gift card options on TDRewards.com, usable toward purchases at retailers including Best Buy, Canadian Tire, Foot Locker, Bed Bath & Beyond, and others. That said, the value of your redemption done this way matches what you’d get when using points for cash back so you’re better off using another method.

Redeem points for merchandise

TD points can be used toward a huge variety of merchandise, from exercise equipment to electronics. Points values on these items vary dramatically but generally will hover between 0.2 and 0.35 of a cent per point.

About TD Aeroplan rewards

Aeroplan launched a program overhaul on November 8, 2020, at which time Aeroplan points will be redeemable for flights based on a redemption chart that breaks up the world into four different travel zones: North America, Atlantic, Pacific and South America. You’ll be able to redeem points for flights on Air Canada, plus more than two dozen Star Alliance members, including Singapore Airlines, Austrian Airlines and United.

TD point values vary depending on where you’re flying to and how popular the route is, but you can use this calculation:

Value of 1 Aeroplan point = (price of ticket – fees) ÷ Aeroplan points needed to redeem

For an example: if a round-trip flight from Toronto to Vancouver has a base fare of $405 and $20 in fees, your formula would look like this:

($405 – $20) ÷ 25,000 TD points = 1.54 cents per 1 Aeroplan point

You can also maximize your points values by adding stopovers, getting baggage fees waived, and so forth.

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TD Drivers Rewards Visa Card

It only takes about 10 minutes to apply online for a TD Drivers Rewards Visa Card. Apply Now

Climb into the driver's seat

• TD Drivers Rewards Points never expire as long as you're the Cardholder
• Ultimate flexibility in point redemption 1
• Earn up to 2% in TD Drivers Rewards Points on every $1 spent on purchases made with the Card 2
• Accumulate TD Drivers Rewards Points faster by adding Authorized User cards 3 and setting up Pre-Authorized Payments on the Account

Watch your TD Drivers Rewards Points add up!

Earn up to 2% in TD Drivers Rewards Points on every Purchase charged to the Card 2 .

• You'll earn 2 TD Drivers Rewards Points for every $1 spent on gas purchases up to $700 (per statement period 4 ) made with the Card and 1 TD Drivers Rewards Point for every $1 spent on gas purchases over $700 (per statement period) made with the Card; and
• 1.25 TD Drivers Rewards Points for every $1 spent on purchases of automotive parts or services at eligible merchants 2 made with the Card; and
• 1 TD Drivers Rewards Point for every $1 spent on all other purchases made with the Card.

Your TD Drivers Rewards Points never expire as long as you are a Cardholder, and must be redeemed in minimum 2,500-point increments (a $25 value).

Earn more TD Drivers Rewards Points with Authorized User Cards

Authorized User Cards are an easy way to provide your spouse, a family member or close friend with many of the benefits and the purchasing power that you now enjoy. Remember, you'll earn TD Drivers Rewards Points on the eligible purchases made on the Authorized User Card(s) 3 as well as on your own Card. That means your TD Drivers Rewards Points will add up faster.

You can add up to three Authorized User Cards to your TD Drivers Rewards Visa Card Account at no additional charge .

To request Authorized User Cards, simply call 1-800-983-8472 .

Redeem 1 TD Drivers Rewards Points towards the purchase or lease of the vehicle you want

• The TD Drivers Rewards Visa Card allows you the flexibility to redeem your TD Drivers Rewards Points toward the purchase or lease of any new or used vehicle.
• You can also redeem your TD Drivers Rewards Points for automotive parts or service purchases made with your Card at eligible merchants, such as windshield wipers, tires, spark plugs, car mats, GPS system, car radio, seat covers and more.

How to Redeem your TD Drivers Rewards Points – Auto Parts/Services & Vehicle

• Call the TD Canada Trust Credit Card Customer Service Centre at 1-800-983-8472 within 90 days of the purchase or lease of your vehicle, or of your purchase of automotive parts or services. If you are redeeming for automotive parts or service, you must first use your TD Drivers Rewards Visa Card to make the purchase from eligible merchants of automotive parts or services (as described in the Cardholder Agreement) and then allow sufficient time for your automotive parts or services purchase to be posted to your TD Drivers Rewards Credit Card Account.
• For redemptions towards vehicles, make sure you have the vehicle make, model, VIN number, date of purchase or lease and Dealership Name available.
• State the number of TD Drivers Rewards Points you wish to redeem and the dollar value of your TD Drivers Rewards Points will be credited to your Account within 2-3 business days 5 .

Remember to keep your bill of sale or lease should we request a copy for our records.

How to Redeem your TD Drivers Rewards Points – Bonus-Eligible Vehicle

• Visit Drivers Rewards at www.tdrewards.com to view eligible vehicle bonus offers
• If you have purchased a vehicle with an eligible bonus offer, you must fill out and submit the required information online, including vehicle make, model, VIN number, date of purchase and Dealership Name and submit.
• The dollar value of your redeemed TD Drivers Rewards Points will be credited to your Account within 2-3 business days.

Exclusive Offers & Savings

As a TD Drivers Rewards Cardholder you will have access to exclusive savings and offers from a number of automotive parts and service companies. For the latest offers available to you right now, visit Drivers Rewards at www.tdrewards.com

See Exclusive Rewards

Other valuable features and benefits.

• Common Carrier Travel Accident Insurance (included) 6
• Chip Enabled Technology -- the security and peace of mind through the use of a personal identification number (PIN)
• Optional Travel Medical Insurance 7
• Optional Balance Protection Insurance 8
• Optional TD Auto Club Membership
• Personal Banking Services
• Visa payWave Technology
• The Power of a Visa Card
• Verified by Visa
• Fraud Protection
• Emergency Card Replacement
• Emergency Cash Advance
• Message Service
• Guaranteed Hotel Reservations

Not sure which is the best TD Credit Card for you? Help me choose     See all our Credit Cards

Annual interest rates, fees and features are current as of September 7, 2012 and subject to change. 1 TD Drivers Rewards Points must be redeemed in minimum 2,500–point increments. See the TD Drivers Rewards Program section of the Cardholder Agreement available at www.tdcanadatrust.com/tdvisa/agreements for complete details on how to redeem TD Drivers Rewards Points for the purchase or lease of a Vehicle and for the purchase of automotive parts or services charged to the TD Drivers Rewards Account. 2 TD Drivers Rewards Points are earned for Purchases charged to the Account. Purchases of gas and purchases of automotive parts or services must be made at eligible merchants of gas and eligible merchants of automotive parts or services with eligible Merchant Category Codes, as described in the TD Drivers Rewards Program section of the Cardholder Agreement, to be able to earn TD Drivers Rewards Points. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Drivers Rewards Points earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Drivers Rewards Points. Please see the TD Drivers Rewards Program section of the Cardholder Agreement available at www.tdcanadatrust.com/tdvisa/agreements for complete details. 3 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. 4 Your statement period (billing period) is shown on your monthly statement for the TD Drivers Rewards Visa Account. It is the time period between your previous statement date and the statement date of your monthly statement. Your statement period starts on the day after your previous statement date and ends on the statement date of your current monthly statement. 5 The requested TD Drivers Rewards Points will be redeemed from the TD Drivers Rewards Points balance available on the date the Cardholder calls the Centre, not the transaction date of the automotive parts or services purchase or the date of purchase or lease of the Vehicle. The dollar amount that will be credited to the Account towards the automotive parts or services purchase, or for the purchase or lease of the Vehicle, will be equal to the value of the requested TD Drivers Rewards Points redeemed. If there are insufficient TD Drivers Rewards Points available to cover the entire amount of the automotive parts or services purchase, or the purchase or lease of the Vehicle, the Account will only be credited with the available value of the TD Drivers Rewards Points to be redeemed. Any amount of the automotive parts or services purchase charged to the Account, or of the purchase or lease of the Vehicle that may have been charged to the Account, that is not covered by the TD Drivers Rewards Points redeemed, will remain on the Account for payment. TD Drivers Rewards Points must be redeemed in minimum 2,500-point increments. 6 Underwritten by Chubb Insurance Company of Canada. To be eligible for this insurance, your common carrier tickets must be paid in full using your TD Drivers Rewards Visa Card. 7 All TD Canada Trust customers including TD Canada Trust Credit Cardholders are eligible to apply for Optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by World Travel Protection Canada Inc. This insurance is subject to exclusions and limitations that are fully described in the certificate of insurance included which is issued if accepted for enrollment. Branch enrollments are not available outside Ontario. Note that this optional insurance offers different benefits, on different terms and conditions, than the Travel Medical Insurance that is automatically included with the TD First Class Travel Visa Infinite Card. 8 Life, Accidental Death and Critical Illness coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Involuntary Unemployment, Total Disability and Disability Requiring Hospitalization coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). Dismemberment coverage is underwritten by TD Life Insurance Company (TD Life). TD Canada Trust receives a fee from each insurer with respect to premium collection. ABLAC acts as administrator for TD Life. TD Canada Trust does not act as an agent for ABLAC/ABIC and neither company has an equity interest in the other. TD Canada Trust does not act as an agent for TD Life, its wholly owned subsidiary. Complete terms of coverage are on the Certificate of Insurance you will receive upon enrollment. Limitations and exclusions apply, and vary by benefit.

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Earn 50% more Stars at Starbucks. Conditions apply.

Join. Link. And earn more.

 Eligible TD Credit and TD Access Cardholders with Visa* Debit can now earn 6 ,   7  50% more Stars with Starbucks® 4 ,   5 . Using select TD Credit Cards you can also redeem 8  TD Rewards Points for Stars 4 ,   5 . Link your eligible TD Card to your Starbucks® Rewards account then use your linked TD card to buy your favourite Starbucks® coffee or treat at participating stores 5 using the Starbucks app. Conditions apply.

Link your eligible TD Cards with your Starbucks Rewards account and earn more

Earn 50% more stars at starbucks.

Eligible TD Cards can earn 50% more Stars 6  on eligible purchases and digital card reloads.

Earn 50% more points

With select TD Credit Cards, you can earn even more TD Rewards Points and Aeroplan points in addition to bonus Stars 6 .

Redeem TD Rewards Points for Stars

Special offer

New Starbucks Rewards members could earn 200 bonus Stars

Join Starbucks Rewards and link your eligible TD Card. If you make a qualifying purchase at a participating Starbucks store within 7 days of joining, you could earn 200 Bonus Stars. 10 Conditions apply.

3 easy steps to link your TD Cards

• Step 1:  Sign into EasyWeb or the TD app.
• Step 2:  Select the card/account. On EasyWeb, click the  Manage tab  and select  My TD Rewards . On the TD app, tap on  My TD Rewards . Then select  Starbucks  from the list of partners.
• Step 3:  Link your TD Credit Cards and Access Cards with Visa* Debit to your Starbucks® Rewards account.

Don't forget to pay using your linked TD Card at participating Starbucks® stores using the Starbucks app to earn bonus Stars.

Don't have the TD app

If you haven’t already downloaded the TD app, take a moment and do so now to learn about My TD Rewards. Then start enjoying the convenience and security of mobile banking at TD. Plus enjoy all the benefits that come with your TD accounts and rewards programs.

Eligibility

If you have a TD Credit Card or a TD Access Card with Visa* Debit, you can start earning 50% more Stars at Starbucks after you link your card to your Starbucks Rewards account. Depending on which credit card you have, you could earn even more TD Rewards Points and Aeroplan points. See below for details.

Credit Card

Access card.

†  TD Aeroplan cardholders can convert Aeroplan points to Starbucks Stars when they link their Aeroplan and Starbucks Rewards accounts. Conditions apply. Learn more at  aircanada.com/starbucks .

Access Cards without the Visa logo are not eligible.

Frequently Asked Questions

How can i use my starbucks stars.

There’s so much for you to enjoy. Here’s a sample of Rewards available:

25 Stars – Customize your drink (espresso shot, dairy substitute, syrup and more)

100 Stars – Brewed hot or iced coffee, bakery item, packaged snack and more

200 Stars – Handcrafted drink, (Cold Brew, lattes and more), hot breakfast or snack box

300 Stars – Lunch sandwich or at-home coffee

400 Stars – Select Starbucks merchandise

At participating stores 5 . Some restrictions apply. See starbucks.ca/terms

Star amounts listed are current as of September 1, 2023 and are subject to change.

Will I continue to earn 50% more Aeroplan points on my TD Aeroplan card at Starbucks?

You will need to link your TD Aeroplan Card and Starbucks Rewards account to earn 50% more Aeroplan points on eligible purchases at Starbucks. You will also earn 50% more Stars at Starbucks on those purchases. As an Aeroplan Member, you can also link your Aeroplan account with your Starbucks Rewards account to earn even more points as well as convert your Aeroplan points to Starbucks Stars. Conditions apply. To link your Aeroplan and Starbucks Rewards accounts, visit  aircanada.com/starbucks .

Can I link my TD Business Credit Card with my Starbucks Rewards account?

TD Business Credit Cards are eligible for this offer 2 . Your Business Credit Cards must be added to your personal profile on TD EasyWeb Online banking & TD Mobile App to be able to link. Please note, TD Business Access Cards are not eligible for this offer.

Can I register for online banking without a TD Access Card?

Yes, as long as you are a TD personal banking customer, you can register for EasyWeb online banking with your other TD banking products.  Click here for step-by-step instructions and more information . Please note that only TD Access Cards with Visa* Debit are eligible for this offer.

Where can I see my TD Rewards Points or Cash Back Dollars balance?

You can see the balance of your TD Rewards Points or Cash Back Dollars on the Account Activity page in EasyWeb and the TD app. You can also find your balance on the My TD Rewards page in EasyWeb and the TD app. NOTE: If you want to see TD Rewards Points or Cash Back Dollars balance for your TD Business Travel Visa* Card Account or TD Business Cash Back Visa* Card Account on the My TD Rewards page in EasyWeb or the TD app, your TD Business Travel Visa* Card Account or your TD Business Cash Back Visa* Card Account must appear in your personal EasyWeb profile. Please call us at  1-800-983-8472  so we can arrange this for you. If your TD Business Travel Visa* Card Account or your TD Business Cash Back Visa* Card Account already appear in your personal EasyWeb profile, remember to login to EasyWeb using your personal TD Access Card.

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Cash Back, flexible travel rewards, or a low rate? Explore all our credit cards and find the one that best suits your needs.

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Link with Starbucks Rewards Offer & Privacy Terms

Link with Starbucks Rewards Offer:

• The terms of this Offer are in addition to the agreements that apply to the eligible TD Credit Card (including the applicable reward program term and condition linked to the eligible TD Credit Card) or the TD Access Card with Visa* Debit. Depending on your TD account, your standard rates and fees continue to apply. For TD Access Cards with Visa* Debit: for more information about transactions and a complete list of account fees,  Account and Other Related Service Fees  (PDF). For information on our general services, please view our  General List of Services  (PDF).
• The terms of this Offer are also in addition to the terms and conditions of the Starbucks Rewards program, available at  www.starbucks.ca/terms  (“ Starbucks Rewards Terms of Use ”). These terms do not alter in any way the terms and conditions of any other agreement you may have with Starbucks for other products or services, such as Starbucks Cards.
• The Starbucks Rewards program is established and operated by Starbucks Coffee Canada, Inc. or its respective subsidiaries, licensees, and affiliated companies (collectively, " Starbucks "), and allows customers to earn stars (“ Stars ”) that can be redeemed at Participating Starbucks Stores in Canada for free food and beverage items (each, a “ Reward ” and collectively “ Rewards ”). To understand your rights and obligations under the Starbucks Rewards program, you should carefully read the Starbucks Rewards Terms of Use and any other agreements that apply to the Starbucks Rewards program.

1   Linking to the Offer:

• You can only access this Offer in My TD Rewards which is available through your TD EasyWeb Account and/or a TD mobile app account.
• There is no fee to participate in the Offer.
• When you link eligible TD Credit Cards and TD Access Cards with Visa* Debit to your Starbucks Rewards account in My TD Rewards, you opt-into the Offer.
• If you de-link from this Offer in My TD Rewards, you opt-out of the Offer and you will no longer participate in the Offer. You can opt-out of this Offer at any time. To opt-out of the Offer by de-linking, follow the instructions in My TD Rewards.
• Earn bonus Stars with your eligible TD Credit Card or your TD Access Card with Visa* Debit ( bonus Stars ),
• For certain eligible TD Credit Cards, you can earn bonus TD Rewards Points, or Aeroplan points, as applicable for your TD Credit Card ( bonus points ),
• For select TD Credit Cards, you can redeem your TD Rewards Points for Stars

2   Eligible TD accounts:

• Only TD Access Cards with Visa* Debit can participate in the Offer.
• TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel ® Visa Infinite* Card, TD Business Travel Visa* Card
• TD® Aeroplan® Visa Platinum* Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Card, TD® Aeroplan® Visa* Business Card
• TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Business Cash Back Visa* Card
• TD  Low Rate Visa* Card, TD Business Select Rate TM Visa* Card
• TD Emerald Flex Rate Visa* Card, TD Green® Visa* Card

3   Participation in the Offer:

• For eligible TD Credit Cards Accounts, both the Primary Cardholder and any Additional Cardholder can participate.
• For TD Access Card with Visa* Debit, any account holder on the same account can participate.
• You must be a member of the Starbucks Rewards program.
• You must keep your eligible TD Credit Card or your TD Access Card with Visa* Debit open, active and in Good Standing.

4   Eligible Purchases:

• Any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards (“ Starbucks Cards ”), at Participating Starbucks Stores (as defined below); and
• Adding funds to the Starbucks Card(s) registered to your Starbucks Rewards account (“ Reload ”) using an eligible TD Credit Card, or using a TD Access Card with Visa* Debit, as applicable. To learn more about registering your Starbucks Card to your account, visit  starbucks.ca/rewards .

5   Participating Starbucks Stores:

• Participating Starbucks Stores  are Starbucks locations in Canada that honour Starbucks Rewards. To locate stores that honour Starbucks Rewards, visit www.starbucks.ca/store-locator and look for stores that list “Redeem Rewards” as one of the store amenities. Free food and beverage Rewards may be redeemed at participating stores and exclude alcoholic beverages and multi-serve items. Starbucks may adjust the items included in each tier at any time in its sole discretion. See starbucks.ca/rewards for details.

6   Earning bonus Stars:

• First:  You must link your eligible TD Credit Card or your TD Access Card with Visa* Debit to your Starbucks Rewards account in My TD Rewards.
• Second:  Add your eligible TD Credit Card or your TD Access Card with Visa* Debit as a linked method of payment within the Starbucks app, and then use it to order ahead or pay at the register for an Eligible Purchase at a Participating Starbucks Store. To learn more about adding your TD Credit Card or your TD Access Card with Visa* Debit as your payment method to the Starbucks app, visit  starbucks.ca/rewards
• You can also earn bonus Stars when you Reload your Starbucks Card using your eligible TD Credit Card, or your TD Access Card with Visa* Debit linked to this Offer.
• Here is a chart that sets out how many bonus Stars you will earn with this Offer when you meet the terms of this Offer:
• You can check your Star balance and available Rewards, as well as any additional benefits for which you are eligible as a Starbucks Rewards member, on  starbucks.ca/rewards  or by using the Starbucks app.
• If you would like to report an error for your Stars earned under this Offer, you must contact Starbucks using the information stated below under "Additional Terms".

7   Earning bonus points:

• When you meet the terms set out in this Offer, select eligible TD Credit Cards (set out below) can earn bonus points on Eligible Purchases. TD Access Cards with Visa* Debit do not earn bonus points.
• The number of bonus points that you can earn will depend on the type of eligible TD Credit Card you have. The bonus points you earn under this Offer are in addition to regular points you can earn under the rewards program connected to your eligible TD Credit Card.
• You can only earn bonus points on the net Eligible Purchases charged and posted to the Account. This means that credits for refunds, returned items and other similar credits for Purchases may reduce or cancel the bonus points earned.
• The select eligible TD Credit Card listed below can earn bonus points under this Offer:
• For TD Aeroplan Credit Cards: We will show you the number of Aeroplan points you have earned with your TD Credit Card in a particular statement period on the Account’s monthly statement. Your bonus points earned under this Offer will be included in your total points balance shown on your Account's monthly statement. Once the Aeroplan points are awarded to the Aeroplan Member Account, you can check your Aeroplan points balance directly with Aeroplan. If you would like to know about the bonus points earned under this Offer, you can contact us using the information provided below.
• For TD Rewards Credit Cards: you can see the number of bonus TD Rewards Points you have earned with this Offer in both TDrewards.com and My TD Rewards in real-time. You can also review your total TD Rewards Points balance in your Account's monthly statement.

8   Redeeming TD Rewards Points for Stars:

• TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD Business Travel Visa* Card.
• Your eligible TD Credit Card linked to this Offer must be open, active and in Good Standing.
• Your Starbucks Rewards account must be open and active.
• You must link your eligible TD Credit Card to your Starbucks Rewards account in My TD Rewards.
• Either the Primary Cardholder or any Additional Cardholder can instruct us to redeem TD Rewards Points for Stars in My TD Rewards in one of the following manners:
• No matter which redemption option you select, we cannot reverse a redemption once the TD Rewards Points are redeemed. We process your redemption request under this Offer in real-time.
• The Primary Cardholder or any Additional Cardholder can redeem TD Rewards Points for Stars. We will rely on the first set of instructions we receive either from the Primary Cardholder or an Additional Cardholder to redeem TD Rewards Points for Stars with this Offer. Our electronic time-keeping methods will be definitive in determining the time and date of receipt by us of any redemption instructions.

9   Additional Terms:

• My TD Rewards is located online in EasyWeb and in the TD mobile app. We may create new ways for you to access My TD Rewards or we may change where you can access My TD Rewards.
• This Offer may be changed, extended, or withdrawn at any time without notice. If we provide notice, we will provide it using electronic means.
• We reserve the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in Good Standing.
• Starbucks may also restrict, cancel, or terminate any person or cardholder’s ability to participate in the Offer and such restriction, cancelation or termination may be with or without notice.
• This Offer will be in addition to any other offers available for the eligible TD Credit Cards and TD Access Cards with Visa* Debit.
• We are not responsible for the Starbucks Rewards program, or the terms that govern the Starbucks Rewards program, including the expiry or cancellation of Stars, redemption conditions, benefits, features, or services of the Starbucks Rewards program, and its availability, cancellation or termination. This also includes no responsibility for the services supplied under the Starbucks Rewards program, or for any actions or omissions. We will not accept any responsibility for any loss or damages caused by goods or services supplied or requested in connection with the Starbucks Rewards program.
• Starbucks is not liable or responsible for My TD Rewards, the terms that govern your TD Access Cards with Visa* Debit card, or terms that govern the eligible TD Credit Cards (including the applicable reward program term and condition linked to the eligible TD Credit Card) or any of the services and products offered/provided by The Toronto-Dominion Bank.

10   Starbucks Rewards New Member Offer:

• This offer is only available to those cardholders (i.e., primary and/or additional) (each, an " Eligible Cardholder ") of TD Access Cards with Visa * Debit, TD Rewards Visa*, TD Platinum Travel Visa*, TD First Class Travel ® Visa Infinite* , TD Business Travel Visa* , TD ® Aeroplan ® Visa Platinum*, TD ® Aeroplan ® Visa Infinite*, TD ® Aeroplan ® Visa Infinite Privilege*, TD ® Aeroplan ® Visa* Business, TD Cash Back Visa*, TD Cash Back Visa Infinite*, TD Business Cash Back Visa*, TD Low Rate Visa*, TD Business Select Rate TM Visa*, TD Emerald Flex Rate Visa* and TD Green ® Visa* credit cards who: (a) have an account that is open, active and in good standing (each, an " Eligible TD Card Accounts ")  and (b) are not already a Canadian Starbucks Rewards member.
• An Eligible Cardholder of an Eligible TD Card Account ("you"), is eligible to earn a bonus of 200 Starbucks Stars (" Bonus Stars ") when you join Starbucks Rewards (“the “ Starbucks Rewards New Member Offer ”).  To join, visit starbucks.ca/rewards, review and accept the Starbucks Rewards Terms of Use , read the Starbucks Privacy Statement and create your Starbucks Rewards account. To earn the Bonus Stars, you must: (a) Join Starbucks Rewards (b) link your Eligible TD Card Account to your Starbucks Rewards account in My TD Rewards; (c) add your linked Eligible TD Card Account as the payment method in the Starbucks app; and (d) then use the linked Eligible TD Card Account to make a Qualifying Purchase (defined below) within the first seven (7) days of joining Starbucks Rewards.
• Qualifying Purchases means (a) any purchase of food, beverage(s), and/or merchandise, excluding purchases of alcoholic beverages and Starbucks Card eGifts and physical Starbucks gift cards and Starbucks Card reloads (“ Starbucks Card(s) ”), at Participating Starbucks Stores (as defined below). You must pay using your digital Starbucks Card or linked payment method in the Starbucks app, or by scanning your Starbucks app at the register prior to checkout.
• Participating Starbucks Stores are Starbucks locations in Canada that honour the Starbucks Rewards loyalty program. To locate stores that honour Starbucks Rewards, visit starbucks.ca/store-locator and look for stores that list “Redeem Rewards” as one of the store amenities.
• Bonus Stars earned pursuant to this Starbucks Rewards New Member Offer will be applied to the applicable cardholder Starbucks Rewards account within 24 hours of making your first Qualifying Purchase so long as such Starbucks Rewards account is open and active at the time the Bonus Stars are applied.
• The Starbucks Rewards New Member Offer may be changed, extended or withdrawn at any time without notice. If we provide notice, we will do it using electronic means. TD reserves the right, in our sole discretion, with or without notice, to suspend, disqualify, limit or revoke this Starbucks Rewards New Member Offer to any person or cardholder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of this Starbucks Rewards New Member Offer, including any person whose overall client relationship with TD is in our opinion not in good standing. Starbucks may also restrict, cancel or terminate any person or cardholder’s ability to participate in this Starbucks Rewards New Member Offer and such restriction, cancellation or termination may be with or without notice. This Starbucks Rewards New Member Offer is in addition to any other offers available for your Eligible TD Card Account.
• To contact us, use one of the following methods:

By choosing to participate and link an eligible TD Visa* Card or TD Access Card with Visa* Debit, you agree TD may disclose information to Starbucks about your transactions as well as information from TD Rewards and the Starbucks Rewards program in order to administer the Offer. This includes information about your TD and Starbucks Rewards memberships and balances, the time and amount of a transaction, how a transaction was completed, and any rewards points you transfer to Starbucks Stars.

Any information you provide directly to TD or that TD obtains about you as a TD Bank customer or participant in the Offer will be governed by TD's  Privacy Policy .

Any information you provide directly to Starbucks or that Starbucks obtains about you as a Starbucks customer or participant in the Offer will be governed by Starbucks’  Privacy Notice .

® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of  Visa  International Service Association; Used under license.

®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “ Starbucks Marks ”).

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Canada’s 5 Best TD Credit Cards

TD is one of Canada’s biggest banks. They’re a major Aeroplan partner, and they also offer other travel and cash back credit cards.

Read on to find out more about our top picks for the best TD credit cards in Canada.

Best TD Credit Cards

Best overall td credit card.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 15 ,000 Aeroplan points † upon spending $7,500 in the first 180 days of account opening †
• Plus, earn an additional 15,000 Aeroplan points † on renewal when you spend $12,000 within 12 months of account opening †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bag on Air Canada ® flights †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139
• Application must be approved by September 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite Card is the bank’s flagship product, and our choice for their best credit card. At the “core” tier of the Aeroplan cards, it offers the most bang for your buck for the vast majority of cardholders.

Most of the card’s ongoing value comes in the form of Aeroplan and Air Canada benefits. You’ll get free checked bags on Air Canada flights, preferred pricing on Aeroplan flight rewards when you fly with Air Canada, and a few ways to get closer to Aeroplan Elite Status by spending with the card.

Additionally, the card provides travel insurance, which covers Aeroplan flight rewards. You’ll want to pay for the flight’s taxes and fees with this card so that you’re protected in the event of a travel snafu.

Best Premium TD Credit Card

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 25,000 Aeroplan points † upon spending $12,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points † upon spending $24,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

If you’re looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.

Aeroplan members can earn Aeroplan 25K Status by racking up 100,000 Aeroplan points (excluding welcome bonuses and transferring points) in a year. If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

You’ll also get an enhanced travel experience, with unlimited access to Maple Leaf Lounges and six free visits per year to DragonPass lounges , priority airport services (including check-in and boarding), and more flexible ways to qualify for higher tiers of Aeroplan Elite Status.

As for savings, you’ll get the best preferred pricing rates for Aeroplan flight rewards on Air Canada flights, as well as the opportunity to spend your way to unlocking a Worldwide Companion Pass.

Best TD Credit Card for Travel Purchases

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  55 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Annual fee: $139, rebated for the first year †

Not all of your travel arrangements can be booked on points. While it’s easy enough to get flights covered with loyalty programs like Aeroplan, there are a much wider range of hotels, vacation packages, experiences, and tour operators where you’ll most likely have to pick up the bill yourself.

The TD First Class Travel Visa Infinite Card is an awesome card for all travel purchases. It earns 4% back in the form of TD Rewards points when you book with Expedia for TD. For a guaranteed rate that doesn’t depend on finding limited sweet spots and award availability to extract its full potential, it simply can’t be beat.

For maximum value, you can use your TD Rewards points to book anything available on the Expedia for TD website. This is a great way to snowball your rewards – as you book travel, you’ll earn even more travel!

Not to mention, cardholders get a $100 annual credit towards a $500+ hotel or vacation booking. As well, you’ll get a birthday bonus, where you’ll get a 10% boost on points you’ve earned (up to a limit) each year.

Best No Fee TD Credit Card

• Earn 15,152 TD Rewards Points when you spend $500 within 90 days of Account opening+ †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Annual fee: $0
• Application must be approved by January 6, 2025 to receive this offer

Among TD’s no-fee cards, the TD Rewards Visa Card has an appealing rewards structure. You’ll earn 2% back (in the form of TD Rewards points) travel bookings, 1.5% back on groceries and restaurants, and 1% back on recurring bills.

Those rates are quite strong when compared to other entry-level credit cards, and indeed higher value than the alternative no-fee TD Cash Back Visa Card .

Most importantly, you can park your TD Rewards points here if you ever decide to cancel or downgrade your TD First Class Travel Visa Infinite Card . That way, your points won’t expire while you await a good travel opportunity.

Best Cash Back TD Credit Card

• Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
• Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
• Free Deluxe TD Auto Club Membership for roadside assistance †
• Annual fee: $0 for the first year † , then $139

The TD Cash Back Visa Infinite Card is chief among TD’s cash back cards. You’ll earn 3% cash back on groceries, gas, and recurring bill payments.

While not the absolute best card on the market for any one of these categories, it’s the only card with high earn rates on all three. If you don’t want to juggle several credit cards and these categories cover most of your expenses, the TD Cash Back Visa Infinite would serve you well.

Considering its frequent First Year Free promotions and the ability to waive your annual fee every year with a TD All-Inclusive Chequing account, it’s not hard to maintain these rewards year after year at no cost.

Also, the card comes with a Deluxe TD Auto Club Membership. It’s their only credit card with this benefit, and one of the only cards in Canada that offers roadside assistance. For heavy commuters or road-trippers, it’s a valuable perk that could get you out of an unpleasant situation.

Not to mention, the roadside assistance dovetails nicely with the 3% rewards on gas, giving you one credit card for all of your driving needs.

TD Credit Cards: What You Need to Know

When choosing a TD credit card, you should familiarize yourself with what benefits a TD credit card can offer, what features to look out for, and how TD credit cards can fit into an optimized overall credit card strategy.

Why get a TD credit card?

TD credit cards are one of the best ways to earn Aeroplan points . As Aeroplan’s primary bank partner, TD’s co-branded cards often have bigger bonuses with easier spending requirements than their counterparts from CIBC and American Express .

Once you have your flights covered, TD Rewards points are also a great way to cover your other travel expenses. You can use them for anything on Expedia, like hotels and car rentals, or even redeem them for statement credit for pretty much any out-of-province expense, including gas or restaurants.

TD generally values a strong relationship with their members. It can be harder to get approved initially, but longtime clients will find it easier to open additional products, sometimes even receiving pre-approvals.

If you already bank with TD, getting one of their credit cards is a no-brainer. On most cards, you can get your annual fee rebated every year if you have a TD All-Inclusive Chequing account . This is useful if you plan on keeping a Visa Infinite card year after year for its benefits and higher everyday earning rates.

What should you look for in a TD credit card?

TD has three different types of rewards on their credit cards, all on the Visa payment network:

• Aeroplan co-branded cards earn Aeroplan points and come with Air Canada benefits. They’re best for avid Aeroplan collectors who know how to stretch the value of their frequent flyer points, or who’ll benefit from travel insurance on Aeroplan award ticket bookings.
• TD Rewards cards earn points that can be used for travel expenses. You can book flights, hotels, car rentals, or anything else available on Expedia for TD, at a rate of 0.5 cents per point. Otherwise, you can redeem points for statement credit against any other travel purchase at a rate of 0.4 cents per point. TD Rewards cards have decent earning rates on uncategorized transactions and excellent rates on travel.
• Cash Back can be redeemed any time you’ve accumulated at least $25. They’re the easiest rewards to use and understand, but the trade-off is that their value is limited. Compared to their peers, TD’s cash back cards are somewhat competitive for groceries, gas, and recurring payments, and weak for other purchases.

For each type of rewards, TD offers cards with a wide range of welcome bonuses, everyday rewards, annual fees, perks, and income requirements.

Any of these cards come with the standard benefits for their Visa tier:

• All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
• In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year

TD regularly puts on First Year Free promotions for new signups for all cards at or below the Visa Infinite tier. It’s generally best to wait for one of these opportunities before applying.

What’s the optimal strategy for TD credit cards?

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, TD’s wide range of credit cards will undoubtedly have a significant presence in your wallet.

In an optimized credit card strategy, you would leverage TD’s Aeroplan credit cards (in conjunction with Aeroplan cards from CIBC and American Express ) to collect a large balance of Aeroplan points, which you’d use towards booking international flights at a high value.

Meanwhile, you’d use the more flexible TD Rewards credit cards to cover your non-flight travel expenses, such as car rentals or non-chain hotels, by booking through the Expedia for TD portal.

TD is also known for granting the welcome bonus upon switching credit cards between the two families, so you could collect points and maximize benefits across both the Aeroplan and TD Rewards card families while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best TD credit cards in Canada.

Can I have the TD Aeroplan Platinum, Infinite, and Privilege cards at the same time?

Yes, the cards are separate products. You can have any combination at the same time, and you can open them all and be eligible for all welcome bonuses. However, note that TD and Aeroplan may limit the number of credit card bonuses earned by a member if they deem this behaviour to be excessive.

Which credit bureau does TD check?

TD uses Equifax for credit inquiries, although they sometimes have pre-approvals for existing clients.

How do I apply for a TD credit card?

If you’re having technical difficulties getting approved when submitting a credit card application online, consider booking an appointment at a TD branch or applying by phone.

Can I do a product switch with TD?

Yes, you can switch in a branch or by phone. There are no bonuses available for downgrades, and usually the bonuses for upgrades are smaller than what you’d get for a new application.

Generally speaking, a switch between credit cards in different families (Aeroplan, TD Rewards, or Cash Back) will yield the strongest bonuses.

What does this mean? If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

Also, if I product switch my TD visa infinite to privilege, will insurance on my previous travels booked on the infinite card still being covered by the new card?

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