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TD Travel Rewards Review [2024]: The Credit Cards Worth It?

TD Travel Rewards Review [2024]: The Credit Cards Worth It?

Looking to earn cashback on your next travel adventure? See if TD's set of travel credit cards are worth the wait! From first class cash back visa cards to travel points, find out if TD travel rewards are worth investing in.

td travel rewards benefits

Amanda is a travel blogger and writer who helps others have one-of-a-kind traveling experiences through her helpful and informative pieces. She likes to discover hidden gems and travel on a strict budget while getting close to nature and the different cultures in every country she visits. When she isn’t writing about travel, she enjoys writing about education, sustainability, and technology.

Booking travel is easier than ever, now that everything can be done online, and deals on hotels and flights are in more demand daily. But, to simplify things, whether you want to jet set to Europe or backpack Southeast Asia,  TD Travel Rewards  can help get you there.

With the vast number of travel rewards programs on the market, it can be confusing to determine which ones you should sign up for and which ones to avoid. How do you know if TD Travel Rewards is right for you? Read on to learn the ins and outs of TD Travel Rewards in this handy guide! 

Suppose you are a Canadian resident who holds a TD credit card. In that case, you might be eligible for the TD Travel Rewards program. Even if you aren't a TD customer, applying online and getting started is very easy.

Customers with an eligible TD card can earn points and redeem them for travel through their online portal, partnered with Expedia. Are TD travel points worth it, and are they right for you? Find all your answers and more in this all-inclusive guide!

What Are TD Travel Rewards?

TD Travel Rewards is a rewards program that allows credit card holders to earn points on every purchase. Some TD credit cards specifically earn travel rewards, while some earn cash-back points that can be used for almost anything. Each set of cards has its own travel-specific benefits as well. 

Can Non-Canadian Citizens Apply for a TD Travel Rewards Card?

TD Travel Rewards Credit Cards and cash-back cards are only available to Canadian residents and citizens over the age of 18. If you aren't a Canadian resident or citizen, there are plenty of  US travel credit cards  to choose from!

Some US travel cards require you to be a US citizen or resident. However,  American Express  Travel Cards allow applicants from selected foreign countries, making it a flexible option, perfect for digital nomads.

How Do TD Travel Points Work?

TD Travel Rewards points are easy to use and redeem online for exciting and unique travel benefits. Here is a breakdown of how the travel and cash-back rewards cards work.

  • Apply online for a TD Travel Rewards credit card or the cash-back credit card you choose. 
  • Earn rewards or cash back on all your everyday purchases, from your morning latte to your weekly groceries shop.
  • Once you have earned enough points, you can redeem them online for flights or hotels with TD-specific deals on Expedia. 
  • Points can also be used at any travel agency or website.

How Much Are the Points Worth?

TD Travel Rewards points can be used instead of cash and can only be redeemed online in increments of 200. 200 travel rewards points are worth $1. 

A Person in Red T-Shirt Using a TD Card

How Do I Book A Trip?

The best way to redeem TD Travel Reward Points is by booking through Expedia. Using Expedia gives you 0.5 cents per point, one of the best value for redeeming rewards. Here is how to redeem TD Travel Rewards using Expedia.

  • Head to Expedia for  TD 's portal. 
  • Sign in to your account. 
  • Choose which travel rewards you want, like hotels, flights, or cruises.
  • Book as usual and pay with your points! 

What About Cash-Back Credit Cards?

TD cash-back dollars are earned with every purchase using your TD cash-back credit card. Depending on which card you have, you can earn between 1-3% cash back on your everyday purchases. 

Your cash-back dollars can be used for any purchase through the TD app or online, including travel-related purchases! You could also splurge and get a new  Monos luggage  set or help fund the flight for your  Europe trip . 

How Can I Redeem TD Cash-Back Dollars?

If you have a credit card that gives you cash-back dollars, you can also redeem those for travel rewards! Cash-back dollars can be redeemed online in increments of $25. Here's how to redeem TD cash-back dollars.

  • Log in to your My TD Rewards in the app or online.
  • Select the Pay With Rewards page. 
  • Start shopping!
  • Enter the amount you want to redeem.
  • Confirm and pay for your purchase.

Travel Rewards Credit Cards

TD has 4 Travel Rewards credit cards with different reward levels to choose from. Here's a breakdown of each card.

TD First Class Travel Visa Infinite Card

This is the highest level of Travel Rewards credit cards that TD has to offer. It's an excellent option for those looking for a card with luxury and regular travel benefits.

Annual Fee: $139

Interest: 20.99%

Cash Advance Interest: 22.99%

Additional Cardholder Fee: $50

Minimum Income to Apply: Single income of 60K or household income of 100k

  • Bonus 20,000 TD Rewards Points after your first purchase.
  • Birthday bonus of up to 10,000 points.
  • Points can be redeemed for eGift cards, education credits, or cash credits.
  • 8 points for every $1 when booking through Expedia.
  • 6 points for every $1 spent on groceries and restaurants.
  • 4 points for every $1 spent on recurring bills.
  • 2 points for every $1 spent on all other purchases.

Travel Benefits

  • $100 travel credit when booking through Expedia.
  • No travel blackouts or limitations whatsoever.
  • Extra deals on rentals with Avis Car Rentals Rent-A-Car and Budget Rent-a-Car.

Exclusive Travel Benefits

  • Exclusive benefits when booking with Visa Infinite Luxury Hotel Collection.
  • Access to special events with The Visa Infinite Dining Series.
  • Benefits at over 95 participating wineries in famous wine regions of Canada and the US.
  • Golf and entertainment benefits.

Insurance Coverage

  • Emergency travel assistance.
  • Lost baggage.
  • Car rentals. 
  • Flight delay or cancellation.
  • Medical travel.
  • Trip delay or cancellation. 

TD First Class Travel Visa Infinite Card

TD Business Travel Visa Card

This travel card is perfect for business-minded travelers, with great perks for running your business.

Annual Fee: $149

Interest: 19.99%

Additional Cardholder Fee: $49

Minimum Income to Apply: None

  • Welcome bonus of 30,000 points after your first purchase. 
  • 60,000 points if you spend $2,500 in monthly purchases for the first year.
  • Annual fee rebate after the first year.
  • Points can be redeemed for anything, like eGift cards or cash credits.
  • TD card management access helps you manage business expenses.
  • 6 points for every $1 spent on foreign currency, restaurant, and recurring bill payments. 
  • Earn 9 points when you book travel through Expedia.
  • No travel blackouts or limitations, whatsoever.
  • Extra deals on rentals with Avis Car Rentals Rent-A-Car and Budget Rent a Car.
  • Travel medical.
  • Trip delay or cancellation.
  • Auto insurance.

TD Business Travel Visa Card

TD Platinum Travel Visa Card

This TD travel card is excellent for travelers who only need some of the luxury perks of the top-tier travel card or the business-focused perks. 

Annual Fee: $89

Additional Cardholder Card Holder Fee: $35

  • Welcome bonus of 15,000 points after your first purchase.
  • 35,000 points when you spend $1,000 within 90 days of opening an account.
  • 6 points for every $1 when booking through Expedia.
  • 4.5 points for every $1 spent on groceries and restaurants.
  • 3 points for every $1 spent on recurring bills.
  • 1.5 points for every $1 spent on all other purchases.

TD Platinum Travel Visa Card

TD Rewards Visa Card

This lowest-tier travel card is an excellent way to budget yet still earn travel points, even on a budget! 

Annual Fee: $0

Interest: 19.9%

Additional Cardholder Fee: $0

  • Cellphone insurance of up to $1000 if you lose or damage your phone.
  • 4 points for every $1 when booking through Expedia.
  • 3 points for every $1 spent on groceries and restaurants.
  • 2 points for every $1 spent on recurring bills.
  • 1 point for every $1 spent on all other purchases.

TD Rewards Visa Card

Cash-Back Credit Cards

TD has 2 cash-back credit cards, each with distinct advantages and different levels to choose from. Here's a breakdown of each card.

TD Cash Back Visa Infinite Card

Additional Cardholder Card Holder Fee: $50

  • No annual fee for the first year. 
  • Cellphone insurance.
  • 3% cash-back on groceries and gas.
  • 1% cash-back on all other purchases.
  • Cash-back dollars can be used for any purchases.
  • Emergency Road Services with Deluxe TD Auto Club Membership.

TD Cash Back Visa Infinite Card

TD Cash Back Visa Card

Cash Advance Interest: 29.99%

Additional Cardholder Card Holder Fee: $0

  • 1% cash-back on groceries and gas.
  • 0.5% cash-back on all other purchases.
  • Cash-back dollars can be used on any purchases.

TD Cash Back Visa Card

Is TD Travel Rewards Worth It?

For travelers looking to earn fantastic points and significant cash-back percentages with TD's top-tier travel cards, it's definitely worth it! The top-tier TD Travel Rewards card gives an important point-to-spending ratio, and insurance coverage that's handy on the road. This card also has attractive luxury travel benefits. 

Travelers looking to save money and still get great benefits might want to weigh their other options and compare TD with other travel cards. Although the lower tier cards have $0 in annual fees, they give less than a point-to-point spending ratio. That said, any travel card earning points is better than no points at all. 

Our Rating: 4.1/5 

  • Lots of price point options for different card levels.
  • Budget cards are available.
  • Top-tier cards have excellent insurance coverage.
  • Low-tier cards only have a few benefits and only give a few points.
  • Minimum income required for top-tier cards.
  • Top-tier cards need a high minimum spend to earn bonus points. 

Plan Your Next Trip With Pilot!

Now that you've learned how to save and earn travel points with TD Travel Rewards cards, let Pilot help you figure out the rest of the journey!

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TD First Class SM Visa ® Signature Credit Card

Earn 3x miles on travel and dining purchases, plus up to 25,000 bonus miles.

Travel rewards – Earn triple miles on travel and dining

TD First class visa signature credit card for travel rewards

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Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

td travel rewards benefits

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

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Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

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Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

Packing Light Travel

When travelling the world on miles and points, is the TD Rewards program worth it?

by Anne Betts | Jan 5, 2024 | Travel Hacking | 5 comments

td travel rewards benefits

Updated January 5, 2024

Is the TD Rewards program worth it? How does the TD Rewards program work? How can the program be used to offset miscellaneous travel costs? After several years of earning and redeeming TD Rewards points for travel, I’ve found the program to be beneficial. Here is my review.  

Table of Contents

What are TD Rewards Points?

Td rewards credit cards, td first class travel visa infinite card, what are td rewards worth, (i) expedia for td, (ii) book any way, what qualifies as book any way travel, (i) expedia for td, is the td first class travel visa infinite worth it, what i like, what i don’t like, a special mention.

TD refers to the Toronto-Dominion Bank. TD’s propriety loyalty program is called TD Rewards. The rewards currency is TD Rewards Points. To improve readability, I’ll refer to the points as ‘TD Rewards.’

TD Rewards can’t be converted to any other loyalty currency, or transferred to another loyalty program. It used to be possible to convert TD Rewards to Aeroplan on a product switch to a TD Aeroplan-branded card at a rate of 4:1. However, since April 2019, this is no longer the case.

TD’s in-house travel portal is called Expedia For TD, operated by Expedia.

How to earn TD Rewards

TD Rewards can be earned from a credit card sign-up bonus, through everyday spend on the credit card, and the occasional promotion.

credit-cards-td-rewards

TD offers four credit cards earning TD Rewards:

  • TD Platinum Travel Visa Card
  • TD Rewards Visa Card
  • TD Business Travel Visa Card

TD offers very few points-earning promotions.

The best way to stay abreast of these opportunities is via promotional emails from TD.

td-first-class-travel-visa-infinite-promotion

Points don’t expire as long as your TD Rewards-earning credit card account is in good standing. If you close your credit card account (and don’t have another TD Rewards-earning credit card), you’ll have 90 days to redeem any points left in the account. But, if you lose access to Expedia For TD, they’ll be redeemable at the lower ‘book any way’ value.

As a general rule, points in any in-house program should be redeemed or transferred to another credit card earning the same rewards currency before cancelling or product switching a card.

For travellers, the best of the three personal credit cards is the First Class Travel Visa Infinite, last overhauled on October 30, 2022.

The current promotion on the TD First Class Travel Visa Infinite ending March 4, 2024 includes an annual fee waiver ($139) in the first year and a sign-up bonus of up to 135,000 points:

  • 20,000 points after the first purchase
  • 115,000 points after spending $5,000 within 180 days of account opening

It also includes: 

  • a birthday bonus of 10% of the points earned in the 12 months preceding the primary cardholder’s birthday (up to a maximum of 10,000 points) 
  • an annual TD Travel Credit of $100 each calendar year on certain bookings (hotel, motel, lodging, vacation rental, or vacation package) of $500 or more at Expedia for TD in cash, points, or a combination of points and cash.
  • a free Uber One membership for 12 months

According to the terms and conditions, the offer isn’t available to customers who have activated and/or closed a TD First Class Travel Visa Infinite Account in the last 12 months. However, this may or may not be enforced. Also, a product switch from a lower-tier card may be eligible for the full promotional benefits.

td-first-class-travel-visa-infinite-offer

The earning rate on the TD First Class Travel Visa Infinite is:

  • 8 points per dollar for travel booked online or by phone at Expedia for TD
  • 6 points per dollar spent on groceries and at restaurants
  • 4 points per dollar on regular recurring payments
  • 2 points per dollar on all other purchases

There’s a $25,000 cap on spending at the accelerated rates. After that threshold is reached, the earning rate decreases to the base rate of 2 points per dollar.

At first glance, the earning rate on the TD First Class Visa Infinite looks very attractive. That’s because many reward programs can be redeemed at one cent per point (e.g., 10,000 points = $100). With TD Rewards, the best possible redemption rate is 0.5 cents per point (e.g., 10,000 points = $50).

Redemption value on travel

There are two ways to redeem TD Rewards for travel purchases:

  • Expedia for TD
  • ‘Book Any Way’

Each has a different redemption value.

For travel booked through Expedia For TD, points are valued at $0.05 (200 points = $1).

For the most part, Expedia for TD mirrors what’s available on Expedia. However, there are gaps in the inventory. Also, some folks have reported higher prices on Expedia for TD, compared to what’s posted on Expedia.

For what it’s worth, that hasn’t been my experience. For example, a search for a specific hotel in Halifax revealed the best price at Expedia when compared with other booking sites.

expedia-future-inn-halifax

The (almost) same price for the same property appeared at Expedia for TD.

expedia-for-td-future-inn-halifax

‘Book Any Way’ covers travel purchased from travel providers other than Expedia For TD. This allows you to book and redeem points for travel products that don’t appear on Expedia. This includes the option to book last-minute deals or discounted travel at prices that are cheaper than what’s listed at Expedia.

However, TD Rewards are valued at $0.04 (250 = $1) on the first $1,200 of a Book Any Way travel purchase. The value increases to $0.05 (200 = $1) for any amount that is over $1,200 on the same  purchase. This is useful for ‘big-ticket’ bookings such as vacation packages or apartment rentals.

Keep in mind that when purchasing from a provider other than Expedia For TD:

  • you’re earning x2 TD Rewards Points (instead of x8 at Expedia for TD); and
  • you’re redeeming at a lower value of $0.04 (instead of $0.05).

The program has a broad view of what qualifies as travel. Flights, accommodation, cruises, vacation packages (usual stuff) are eligible. Expenses such as theatre tickets, golf fees, resort excursions, restaurant bills, gasoline, taxi fares, and parking may qualify if they’re incurred while travelling.

How to redeem TD Rewards for travel

The most convenient way is to book online by signing in to TD Rewards, and entering the Expedia For TD portal to shop for travel.

When you’re ready to make a decision, one click takes you to your chosen travel product.

Port-Arthur-Tour-Tasmania-Expedia

Another click takes you to the payment page with helpful pre-populated fields showing the name of the cardholder, credit card, TD Rewards account balance, and its monetary value.

TD-points-balance-and-value

Within moments, an email arrives from Expedia for TD with the booking confirmation and details.  

Expedia-for-TD-confirmation-Port-Arthur-Tour

With the “use points” option, the entire travel purchase, including taxes and fees, will be charged to your credit card. But, because you used TD Rewards Points, you’ll receive a credit on your credit card statement within 5 days after the charge, equal to the number of points used.

TD-points-reinstatement

For the best return, anything appearing at Expedia should be booked online through Expedia For TD and redeemed in this way. Another option is to book by telephone (at Expedia for TD). The points multiplier of x8 for using Expedia For TD will be earned on each booking. Travel purchases and their respective statement credits will appear as separate line items.

  • Make a travel-related purchase using the credit card earning TD Rewards.
  • Wait until the charge posts to your credit card account.
  • Call TD Rewards within 90 days of the transaction date of the purchase, and ask to have points applied.
  • The points will be deducted from your points balance available at the time the points are redeemed, not the transaction date of the purchase.
  • The amount credited towards the purchase will be equal to the value of the points redeemed. If there are insufficient points available to cover the entire amount, the remaining cost will be posted on the account for payment.

Both redemption routes (Expedia For TD and Book Any Way) allow payment in any combination of points and cash.

Note: Travel usually delivers the best rate of return. However, TD Rewards can be redeemed for merchandise (at an average of 0.23 cents per point), gift cards (0.25), tuition, or paying down a student loan debt (0.4), or as a credit against your credit card account (0.25). These redemption values are shared with thanks to Credit Card Genius for their research and analysis.

If the following applies to you, I say YES :

  • You purchase a considerable amount of travel through Expedia (for TD).
  • You’re likely to make a single purchase of $500 or more at Expedia for TD to earn the annual travel credit of $100.

td-points-expedia-for-td-purchases

  • You like the idea of offsetting a variety of travel costs with various rewards programs.
  • You’re not loyal to any particular hotel brand and you use a variety of accommodation that’s bookable through Expedia (for TD).
  • You’re able to tap into a fee waiver and decent sign-up bonus.
  • You have a TD All-Inclusive Banking Package. This requires a minimum daily balance of $5,000 in your account. It entitles you to a $29.95 monthly fee rebate ($22.45 for seniors aged 60 or older). It includes an annual fee rebate of your choice of one of five select TD credit cards. The TD First Class Travel Visa Infinite is one of the cards. The rebate covers the fees for the primary cardholder and one supplementary cardholder.
  • You can make use of the travel insurance benefits.
  • You use Expedia sparingly. You don’t use it enough to justify paying the annual fee of $139 (beginning in the second year under the current promotion).
  • Most of your flights are award bookings using frequent flyer miles or points. When you do purchase a revenue ticket, you book flights directly with an airline because of better service in the event of booking irregularities, flight cancellations, and overbooked flights.
  • You’re a member of one or more hotel loyalty programs. You book directly with the respective program to earn loyalty points, status credits, and other benefits.
  • The other credit cards in your wallet have superior earning power on everyday-spend categories such as groceries, gas, transit, and dining, and/or earn flexible points that are convertible to other reward programs offering better redemption values.

Is the TD Rewards program worth it?

For a personal credit card, I believe the best of the bunch is the TD First Class Travel Visa Infinite Card. What did I think of TD Rewards and the TD First Class Travel Visa Infinite Card?

  • When used exclusively for travel bookings at Expedia for TD, the TD First Class Travel Visa Infinite Card offers an appealing return of 4%. Otherwise, a mixture of earn rates puts the return somewhere between 1% and 4%.
  • For the most part, Expedia has a solid reputation. The company carries some weight in the travel world and could be a useful ally if things don’t go as planned with a small, independent tour operator. However, I’d never use Expedia for expensive long-haul flights. Overbooked flights, delays, cancellations, and other disruptions can put passengers in a zone where neither the airline nor the OTA (Online Travel Agency) will provide assistance.
  • I like Expedia For TD’s large inventory of accommodation options, including hostels and apartments, at a variety of price points. I’ve also been impressed by the attractiveness of refundable bookings. For example, the same property at Booking might be refundable up to a month out, whereas at Expedia, it might be refundable up until the day before arrival. This limits reliance on trip cancellation insurance.
  • TD’s recent overhaul of the TD First Class Travel Visa Infinite that included a $100 annual travel credit is a welcome benefit. It requires a purchase of $500 or more at Expedia for TD once in a calendar year (that is relatively easy to accomplish when booking accommodation). Triggering the credit requires no intervention on a cardholder’s part as as an email and secure message from TD arrives within 48 hours. This effectively reduces the annual fee of $139 to $39, a compelling reason to keep the card.

td-travel-credit

  • There’s also the option to book tours and experiences. Other propriety programs (e.g., AMEX Travel) don’t offer a similar range and variety of travel products.
  • I love the online system for booking travel at Expedia For TD, and redeeming points against the purchase. It involves inserting a minimal amount of information, and a few clicks to complete the process. Within seconds, the booking confirmation arrives by email.
  • Anything appearing at Expedia for TD is bookable online from anywhere in the world. Expedia For TD’s online booking process is convenient, user-friendly, and efficient.
  • The same applies to the online process for changing a reservation or using Expedia for TD’s Virtual Assistant to cancel refundable bookings. Sign in, select the booking, hit the cancel button, and receive notification that the refund will be sent within 48 hours.

expedia-virtual-assistant

  • The range of travel expenses redeemable as Book any Way travel is impressive.
  • With the accelerated earn rate of 6 points per dollar resulting in a 3% return on groceries and dining, I’ve appreciated having the TD First Class Travel Visa Infinite Card in my wallet at restaurants that don’t accept American Express (Cobalt and Scotiabank Gold cards that both earn x5 points on dining). 
  • TD has a no-fee credit card (TD Rewards Visa Card) that earns TD Rewards. This presents an option to product switch from the TD First Class Travel Visa Infinite (or any other credit card earning TD Rewards) to protect your points and keep a TD Rewards account active.
  • TD has a generous approach to product switches that encourage clients to try different credit card products. Some switches provide access to full promotional benefits. In addition, there are cases where clients have been able to hold more than one TD First Class Travel Visa Infinite Card at the same time.
  • For credit card cancellations and product switches, TD offers prorated refunds of annual fees.
  • The TD All-Inclusive Banking Package presents an option to obtain an annual fee rebate.
  • TD’s EasyWeb account management system is efficient and user friendly. After product switching or applying for a new TD credit card, I’ve had the card, with the credit card number, appear in my account within a few hours. On a product switch, the ‘switched-from’ card can be used the following business day to earn points in the ‘switched-to’ card’s rewards program. This is handy to start working on the new card’s Minimum Spend Requirement without having to wait for the new card to arrive by mail.    
  • There will be others who don’t agree but in my opinion, of the ‘big five,’ TD has the best customer service. For the most part, I’ve found Customer Service Representatives to be helpful, patient, and well informed. Those I’ve dealt with have been more than willing to follow up on requests, listen to, and consider, my interpretation of terms and conditions when it differs from theirs, and seek information from advisors and supervisors.
  • To extract maximum value on travel purchases and redemptions, customers need to use Expedia For TD. When purchasing travel from other providers (at an earn rate of 2 points per dollar), and redeeming points using ‘Book any Way’ at the lower redemption value, each point is valued at only 0.8 cents (or 0.8% return).
  • At the present time, the program doesn’t have a flight rewards chart where it could be possible, as with other reward programs, for members to extract greater value when redeeming points for flights. For example, the CIBC Rewards (Aventura) Flight Reward Chart offers the potential of a 2.2% return.
  • For more information on the CIBC Rewards program, see When travelling the world on miles and points, is the CIBC Aventura program worth it?
  • Expedia for TD’s Virtual Assistant works well on uncomplicated bookings such as obtaining a refund before the fully refundable date. However, in the case of complications, the Virtual Assistant is hopeless. For example, in Warsaw, the guide on a scooter tour was a no-show on the day of the tour (so it was past the refundable period) and trying to get the Virtual Assistant to retrieve the booking was impossible, despite inserting my answers to each question asked.    
  • As a rewards currency, TD Rewards has limited value. It’s not convertible to any other program, and it has a fixed maximum value of $0.05 per point.
  • While obtaining a fee rebate is an attractive proposition, doing so on a TD Aeroplan-branded credit card might make more sense for Aeroplan account holders. Aeroplan is capable of delivering much greater value than TD’s fixed-value system.
  • I’m not fond of having two-tiered redemption values for travel purchases. Other in-house programs such as Scene+ make no distinction between travel booked through the program’s travel portal, and that from another provider. Redemption values are the same.
  • For more information on the Scene+ program, see What’s the best use of Scene+ when travelling the world on miles and points?
  • If a customer has two credit cards earning TD Rewards, it’s possible to merge the points into one account but it must be done by an agent. Unlike other programs such as RBC Avion, it can’t be done online. And disappointingly, fewer than 10,000 TD Rewards cannot be moved from one account to the other. 
  • The TD First Class Travel Visa Infinite Card doesn’t stand out among its competitors. It’s competing with travel credit cards that offer lounge membership and complimentary passes, companion/buddy passes, NEXUS fee rebates, free checked baggage, concierge services, and no FX (foreign exchange) fees. However, as mentioned earlier, the annual $100 travel credit helps fill a much-needed gap in its attractiveness as a travel credit card.
  • The insurance benefits are on par with other premium credit cards. Personally, I’ll never use them. For emergency medical insurance, an annual multi-trip plan from an insurer of my choice is a better fit for my age and travel style. The trip cancellation/interruption doesn’t apply because a covered trip is one where “the full cost has been charged to Your Account and/or using Your TD Points.” Like many other travellers, my trips are funded from a variety of sources using a mixture of miles, points, and cash.
  • It’s both a blessing and a curse but I’ve been surprised by the types of charges flagged by TD’s fraud detection program. This results in a rejection of the charge and a freezing of my credit card until it’s sorted.

Some cardholders enjoy the flexibility of redeeming TD Rewards for purchases at Amazon (dot ca). The redemption rate of $0.0033 (1,000 points equal to $3.33) is lower than that of travel bookings but with the range of travel products available at Amazon, TD Rewards could be put to good use when outfitting a trip.

td-rewards-at-amazon

The fact that TD has hitched its rewards wagon to Expedia makes it an interesting proposition. I’m impressed with Expedia For TD’s online portal for booking and redeeming points for travel (and changing a reservation or cancelling via the Virtual Assistant), and the First Class Travel Visa Infinite’s x8 points multiplier on Expedia for TD bookings. For heavy Expedia users, it’s an attractive addition to a credit card portfolio.

I’ve been impressed by recent promotional offers with annual fee waivers and sign-up bonuses of up to 135,000 points. It demonstrates that TD is interested in attracting new customers. To keep them, TD could be more creative with additional travel benefits. Reinstating the option for cardholders to convert TD Rewards to Aeroplan would be a welcome start.

TD needs to increase the value of Book-any-Way redemptions, and introduce an online system for applying points against those purchases. While the Scene+ coding system for travel purchased from other providers isn’t perfect, their system is capable of presenting the vast majority of travel purchases to users for redeeming points online. TD needs to craft an online redemption system that’s as user-friendly as their booking system.

As a fixed value program, TD Rewards can’t match the value achievable with programs such as Aeroplan, British Airways’ Avios, and other frequent flyer programs. But, with the extensive inventory of travel products bookable at Expedia For TD, and the range of travel expenses redeemable as Book any Way travel, it can certainly occupy a very useful secondary corner of a diversified miles-and-points portfolio.  

If you found this post helpful, please share it by choosing one of the social media buttons. Also, what do you think of the TD Rewards program? Please add your thoughts in the comments. Thank you.

Might you be interested in my other miles-and-points posts?

  • What’s the best use of Scene+ if travelling the world on miles and points
  • When travelling the world on miles and points, is the CIBC Aventura program worth it? 
  • Is a no-FOREX-fee credit card always the best choice for international travel?
  • What is the best credit card for trip cancellation, trip interruption and flight delay insurance for trips on points?
  • Lounge and flight review of United Airlines’ Polaris experience
  • Why the Best Western loyalty program is good for travellers
  • Is the BMO Air Miles World Elite MasterCard a good deal?
  • Finding Aeroplan flights: a step-by-step guide
  • Travel the world on miles and points by meeting Minimum Spend Requirements

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TD-Rewards-program-review

I’m curious if the prices are jacked a bit through the TD Expedia site. For example, I looked at the Park Lane Hotel in Manhattan. For a five night stay in a 1 Queen Bed City View room, , TD Rewards Expedia site said it would be $2222.97, all taxes, fees all in. Looking at the same room through hotels.com or Trivago, I got the same room, all in price of $1723.72/$1743 respectively. When I apply my current Rewards amount of $836 against the $2222.97, I’m left paying $1386.97, which is only around $336 less, even though I used $836! Is Expedia always more expensive? I looked at more than a few other hotels and they are all much cheaper on hotels.com and Trivago.

Anne Betts

Thanks for dropping by. While I never experienced price differences between Expedia and Expedia For TD, some people have reported differences, both in inventory and prices. I’ve just done a search for a five-night stay at the Park Lane Hotel in Manhattan (October 12 to 17) and found the same price at Expedia, Hotels and Booking. I couldn’t access Expedia for TD as I no longer have a TD Rewards credit card. Each of the three sites showed a regular price of $466/$468 and a discounted price of $372 for a total price of $1860. It sounds as though Expedia for TD hasn’t adjusted the regular price yet. What I would do is call Expedia for TD and ask them to match the Expedia price (if that’s what you find for your dates on expedia.ca). Good luck!

Richard Betz

Excelent article!

Crystal

Can you clarify when you got the $100 credit? The “in a calendar year” part confuses me. If I booked accommodations via ExpediaForTD over $500 for the first time this year (March 2023), will I get the $100 travel credit right away? within this year? or Jan 2024?

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  • TD Rewards Visa* Card Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

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TD Rewards Visa Card Review 2024

Updated: Feb 21, 2024, 1:42am

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
  • Low interest rate
  • Mediocre travel and consumer protection plan

TD Rewards Visa* Card

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†) by keeping your Account open, active and in good standing for the first 90 days†, plus no Annual Fee. Account must be approved by June 3, 2024.
  • Plus, get a free 6 month† Uber One membership (thats $60 in value†)!
  • Earn TD Reward Points on all thing 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 19,697 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.
  • Decent welcome bonus of 19,697 points worth up to $98.

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. The earn rates are decent but nothing extraordinary.

You’ll get a reasonable 4 points per dollar spent booking travel through ExpediaForTD, which is great if you frequently use that portal. The 3 points per dollar on groceries and dining is average, as is the 2 points per dollar on recurring bills. However, the card only earns 1 point per dollar on non-bonus category spending.

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. This is sub-optimal, especially compared to cash back cards that can earn 2% or more on everything. Furthermore, cash-back cards offer more redemption flexibility.

Of course, a major drawback is the aforementioned $5,000 annual caps on the earnings for spending on groceries, dining and bills. For example, the amount of points you earn on groceries will drop to 1 point per dollar after spending $5,000 in one year. Fortunately, there is no cap on travel spending, benefiting those who frequently purchase flights or hotels through ExpediaForTD.

Redeeming Rewards

Redeeming TD Rewards points earned with the TD Rewards Visa Card is easy to do through the TD Rewards website or app. You have various redemption options, including ExpediaForTD travel, cash back credits, gift cards, merchandise and more.

Getting maximum value requires redeeming your points for travel purchases through ExpediaForTD, where you’ll get a fixed 0.5 cents per point. You’ll also benefit from a lack of blackout dates and the ability to apply your points to airline taxes and fees. Many other rewards programs have complicated point valuations, blackout dates and require you to pay taxes separately. As with most programs, you’ll reduce the value of your hard-earned points with redemptions on statement credits or gift cards. In this case, you’ll halve the value of your points with redemptions on statement credits. Instead of receiving 0.5 cents per point with ExpediaForTD, you’ll redeem at around 0.25 cents per point. You can think of this as giving away a $50 bill for only $25.

The main drawback of TD Rewards is the absence of transfer partners. Other programs-such as American Express Member Rewards-provide various opportunities to transfer your points. For example, you can exchange to Aeroplan , Marriott Hotels and many more. TD Rewards doesn’t offer this feature. As a result, you’ll be limited to redemptions through TD’s platform and miss out on promotions offered by different programs. Similarly, you’ll be at risk of a devaluation of your TD Rewards points.

Redemption is easy with TD Rewards, but you’ll need to use points for ExpediaForTD travel to get strong returns. As such, this card is best for occasional travellers not interested in potentially maximizing the value of their points through transfer partners. Frequent travellers should consider a premium travel credit card that earns more points. These cards also generally include airport lounge access and travel insurance .

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.

  • Earning Rates and Rewards: 4 points per dollar on ExpediaForTD, 3 points per dollar on groceries and at restaurants, 2 points per dollar on recurring bills and 1 point per dollar on everything else.
  • Welcome Bonus: 19,697 bonus points for keeping the account open for 90 days. This translates to a maximum value of $98.49.
  • Three Types of Insurance: Purchase protection, extended warranty and mobile device insurance.

Interest Rates

  • Regular APR Min: 19.99%
  • Cash Advance APR: 22.99%
  • Balance Transfer APR: 22.99%
  • Cash Advance fee: 1% ($3.50 minimum and $10 maximum)
  • Balance Transfer fee: 3%
  • Foreign Transaction Fee: 2.5%
  • Annual Fee: $0
  • Over Limit Fee: $29.00

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 19,697 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.

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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Advertisement

By Keph Senett on January 4, 2022 Estimated reading time: 6 minutes

Expedia For TD: How to maximize your TD travel rewards credit card

Book your flights, hotels and accommodation through the Expedia For TD travel portal to make the most of the travel rewards you earn with your TD Visa.

TD Credit Cards

You’ve surely heard of travel site Expedia, and you’ve heard of TD Bank. But have you ever booked travel through the Expedia For TD website? The program, which marries the travel service with the banking brand, delivers substantial earnings and deals to travellers who book through their branded portal and pay with a TD credit card . Let’s take a look at how the program works, and how to reap the most rewards.

About Expedia For TD

Expedia For TD is a segment of the TD Rewards environment, so the “currency” you’re collecting is TD Points that can be redeemed for merchandise, gift cards, cash and, importantly, travel. Another major benefit of the TD travel program is that it’s flexible. It allows you to use your Points to book your flights, hotels, cruises and excursions directly with any provider you choose. You can use your Points for these purchases, even up to 90 days after the fact. (However, when you book through Expedia For TD, points must be redeemed at the time of purchase.)

When you log into Expedia For TD , you’ll see a TD-branded version of the Expedia site. Here, you can redeem your TD Points for flights, hotels, car rentals and more, but the real incentives come by way of redemption rate, flexibility and earnings. If you redeem through Expedia For TD, no matter what you book, your redemption rate is $0.005 per point.** This is better than the rate you’d get by cashing in on other non-travel rewards. Additionally, you can collect within the TD Rewards environment and outside of it simultaneously. So, when you use Points on purchases at Expedia For TD, you can still collect from your separate airline rewards program. Finally, using the portal assigns bonus points to TD credit cardholders, which can multiply—sometimes dramatically—the number of Points you earn on travel purchases. Conveniently, you don’t have to wait until you’ve racked up thousands of Points to redeem: you can start using your Points as soon as you’ve accumulated 200. There’s even a dedicated 24/7 support line to help you make your bookings.

Are there any drawbacks I should watch out for?

Expedia For TD advertises a price guarantee, but you should be aware that it is time-limited. The company will refund the difference on a flight and hotel package within 24 hours of booking, or a hotel rate up to 48 hours prior to check-in.

The best Expedia For TD credit cards in Canada

  • TD First Class Travel Visa Infinite Card
  • TD Rewards Visa Card

TD First Class Travel Visa Infinite Card *

TD First Class Travel VIsa Infinite Card

Expedia For TD is available to you if you hold any TD Rewards credit card, but the TD First Class Travel Visa Infinite Card gets our recommendation for its high earn rate and bonus Points potential. Travel purchases made at Expedia for TD earn 8 TD points per $1. Travel spends elsewhere earn 2 TD points per $1. Generating bonus Points is easy enough, but for a limited time new card holders can earn up to $1,100 in value, including up to 135,000 TD Rewards Points and no annual fee for the first year. Conditions apply. Account must be approved by March 4, 2024. . Best yet, your points never expire, so there’s no pressure to redeem.

The First Class Travel Visa Infinite also includes an excellent suite of travel insurance benefits including medical, trip interruption and automotive, and while it fails to offer airport lounge access, it does entitle you to a discount. However, these perks don’t come cheap. The First Class Travel Visa Infinite has a minimum annual income requirement of $60,000 and carries an annual fee of $139, though new applicants can have the first year fee rebated (along with the $50 fee for an additional cardholder).

What are the best ways to benefit from this card?

While this is a solid travel rewards card , new applicants in particular will benefit greatly from the welcome bonus. TD clients with an All-Inclusive banking account may be able to get the $139 annual fee rebated on an ongoing basis, so it’s worth speaking with a representative before you sign up. Frequent travellers who are comfortable shopping through the ExpediaforTD.com portal will get the highest earn rate on travel spends and, at a return of 4.5%** (8 points per $1), the savings will be noticeable. The included insurance package can also help you save a bundle.

Annual fee: $139 (annual-fee rebate—conditions apply to qualify). Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Welcome bonus: earn up to $1,100 in value, including up to 135,000 TD Rewards Points and no annual fee for the first year. Conditions apply. Account must be approved by March 4, 2024. You get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).

Additional perks: Travel insurance including travel medical up to $2 million, trip cancellation or interruption, travel accident, travel assistance and lost or delayed luggage coverage; auto rental collision/ loss damage insurance (conditions apply); purchase protection and extended warranty

Click here for more details about the TD First Class Travel Visa Infinite *

TD Rewards Visa *

TD Rewards Visa Card

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD Points by offering 4 points per $1 spent at Expedia For TD, 3 points per $1 spent on groceries and restaurants, 2 points per $1 spent on recurring bills, and 1 point per $1 everywhere else. Though not quite as generous in rewards as the other cards in this article, the 4 points: $1 ratio on travel purchases through the online portal results in a return far better than available on most other no-fee cards. This card does not include travel insurance, but it gives cardholders a discount at Avis and Budget car rentals.

  • Annual fee: $0
  • Interest rates: purchases 19.99%, cash advances 22.99%, balance transfers 22.99%
  • Welcome bonus: 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 June 3, 2024.
  • Additional perks: Discounts on Avis and Budget Rent A Car; purchase security and extended warranty

Click here for more details about the TD Rewards Visa*

How can I tell which card is the best option for me?

Every card in the TD Travel Rewards program is worth a look, but the best option will depend on you. If you want to avoid an annual fee you’ll benefit from the TD Rewards Visa, and if you’re willing to pay the $139 annual fee and the minimum income of $60,000 doesn’t disqualify you, the First Class Travel Visa is an effective way to cash in on the program. But the TD Platinum Travel Visa also does a good job with no income requirement and a lower annual fee. Choose the card that makes the most sense for you.

**All point values are based on travel redemptions

What does the * mean?

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I am unable to reach Expedia for TD to cancel flights due to the Coronavirus. I have held on for many hours with music playing and with no music. Can you advise how to speak to customer service? I am currently out of the country (Canada) and just don’t know how to go about this if TD for Expedia 18772226492 are taking many hours of my holding on and not answering my call. I am aware there must be many people wanting to Angel their flights. This is my third day of trying to reach them

Cancel their flights

I waited on hold for six hours. When my call was answered, the representative was more than helpful. Hard to wait on hold, but worth the effort in these trying times.

The TD business travel is no longer same as first class They reduced to 3 points per dollar

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Author: Barry Choi

By Barry Choi

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How TD Rewards work and how to maximize your points

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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

Apply Now

  • Rates & Fees

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

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

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

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

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

$0 Annual Fee Additional cardholder is $0

19.99% Purchase APR APR for purchases 19.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

Excellent Recommended Credit Score

$0 Required Annual Personal Income

$0 Required Annual Household Income

Welcome Offer Ends Jun 3, 2024

Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) by keeping your Account open, active and in good standing for the first 90 days†, plus no Annual Fee. Conditions Apply. Account must be approved by June 3rd, 2024.†

TD Platinum Travel Visa

td travel rewards benefits

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

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

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

1.5 TD Rewards Points for every $1 spent on everything else

$89 Annual Fee Waived for the first year

20.99% Purchase APR

22.99% Cash Advance APR

2.50% Foreign Transaction Fee

Good Recommended Credit Score

TD First Class Travel Visa Infinite

Apply Now

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

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

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

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

10% Bonus Points Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

$139 Annual Fee First additional cardholder is $50, subsequent cardholders are $0.

20.99% Purchase APR APR for purchases 20.99%†

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

Welcome Offer Ends Mar 4, 2024

Earn up to $1,100 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by March 4, 2024.†

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

About our author

Barry Choi

Barry Choi is an award-winning personal finance and travel expert. He appears regularly on a variety of shows in Canada and the U.S., where he talks about all things money and travel. In addition to Money.ca, his work has appeared in major publications, including The Globe and Mail, The Toronto Star, The Financial Post, and MoneySense magazine. Barry is an expert in personal finance, but he's passionate about credit cards, budget travel, debt management, and loyalty programs. His personal website moneywehave.com is one of Canada's most trusted resources as he provides non-bias opinions on various financial products and services. When he's not writing or talking about financial literacy, you can find him travelling the world. Barry's favourite destinations are Japan, Jordan, and the Netherlands.

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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.

td travel rewards benefits

  • Earn 10,000 Aeroplan points † upon first purchase †
  • Plus, earn 20 ,000 Aeroplan points † upon spending $5,000 in the first 180 days of account opening †
  • Plus, earn an additional 10,000 Aeroplan points † on renewal when you spend $7,500 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 bags on Air Canada ® flights †
  • Minimum income: $60,000 personal or $100,000 household
  • Annual fee: $139, rebated for the first year †

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

td travel rewards benefits

  • Earn 20,000 Aeroplan points † upon first purchase
  • Plus, earn an additional 30,000 Aeroplan points † upon spending $10,000 in the first 180 days
  • Plus, earn an anniversary bonus of 25,000 Aeroplan points † upon renewing the card for a second year, after having spent at least $15,000 in the first year
  • 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

td travel rewards benefits

  • Earn 20,000 TD Rewards Points upon making your first purchase †
  • Earn  115 ,000 TD Rewards Points upon spending $5,000 in the first 180 days †
  • 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 †

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

td travel rewards benefits

  • Earn 15,152 TD Rewards Points upon keeping your account open for 90 days †
  • Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
  • Annual fee: $0

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

td travel rewards benefits

  • Earn 10% cash back † in the first three months, on up to $2,000 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.

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TD Cash Credit Card: Generous Customizable Rewards, for Some

Jaime Hanson Author Avatar

If you’re willing to actively choose your bonus categories and monitor your spending in them, this card can be quite lucrative, especially since there's no cap on rewards. But it's available to less than half of the United States.

  • No annual fee
  • Customize rewards categories
  • Introductory grocery rewards
  • Limited to certain states
  • Requires good to excellent credit

Foreign transaction fee

TD Cash Credit Card Image

20.24%, 25.24% or 30.24%, Variable

0% intro APR on Balance Transfers for the first 15 billing cycles.

TD Cash Credit Card Image

Rewards rate

Bonus offer

Bonus Cash Back: Earn $200 Cash Back when you spend $500 within 90 days after account opening.

Ongoing APR

APR: 20.24%, 25.24% or 30.24%, Variable

Cash Advance APR: 30.49%, Variable

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater

  • Bonus Cash Back: Earn $200 Cash Back when you spend $500 within 90 days after account opening
  • Choose your top two spend categories to earn unlimited 3% and 2% Cash Back
  • Earn unlimited 1% Cash Back on all other purchases
  • Switch spend categories up to four times a year
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT

Detailed review: TD Cash Credit Card

No matter how you spend your money, the TD Cash Credit Card can be a rewarding option. That’s because unlike most rewards cards, it doesn't have set bonus categories. Instead, you get to pick what purchases earn elevated rewards, from a list of popular options.

It also has a $0 annual fee and offers a sign-up bonus: Bonus Cash Back: Earn $200 Cash Back when you spend $500 within 90 days after account opening. Plus, for a limited time, the card provides an additional bonus on grocery store purchases. Terms apply; see below. These features position it as a strong rival to other customizable rewards cards like the Bank of America® Customized Cash Rewards credit card or the Citi Custom Cash® Card . Unlike those cards, the TD Cash Credit Card has no cap on its ongoing rewards earnings.

The primary drawback, however, is the card's limited availability. If you live on the West Coast, for example, you're out of luck.

» MORE: Credit cards that offer customizable rewards

TD Cash Credit Card : Basics

Card type: Cash back .

Annual fee: $0

Sign-up bonus:

Choose your top two spending categories (from a list; see below) to earn unlimited 3% and 2% cash back, respectively. (You can switch those bonus categories up to four times a year.​)

Earn unlimited 1% cash back on all other purchases.

Limited time: New cardholders can earn bonus cash back on grocery purchases for six months or up to $6,000 in spending. See below.

Intro APR: Balance transfer offer: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater

Foreign transaction fee: 3%

» MORE: What is TD Bank, and are its credit cards right for you?

Benefits and perks

Customizable rewards.

With the TD Cash Credit Card , you can pick two categories from the list below that will earn elevated rewards, one at 3% cash back and another at 2% cash back:

Entertainment.

All other purchases earn 1% cash back.

By default, your initial 3% category will be dining, and your initial 2% category will be grocery stores, but you'll have about a month from account opening to change those if desired. In fact, you can change your categories at any point, but it won't take effect until the following quarter.

Customizable rewards like this aren't unique. And some — such as the Citi Custom Cash® Card and the U.S. Bank Cash+® Visa Signature® Card — offer higher possible reward rates and more bonus-category possibilities. But compared with the competition, the TD Cash Credit Card does have one major strength: You'll earn unlimited rewards in your chosen spending categories. Most of the card's chief competitors implement spending caps on their customizable rewards.

» MORE: NerdWallet's best credit cards for restaurants

» MORE: NerdWallet's best credit cards for groceries

Decent intro APR offer on balance transfers

Here's how the issuer puts it: Balance transfer offer: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. You'll owe a 3 % fee on balance transfers (minimum $5), but that's on the lower end of typical balance transfer fees, which generally range from 3% to 5%.

» MORE: How to choose a balance transfer credit card

Flexible redemption options

As much as the TD Cash Credit Card focuses on cash back (it's in the card's name, after all), you actually have a variety of choices when redeeming points. In addition to getting cash back in the form of a statement credit or direct deposit into your bank account, you can also redeem points for travel, gift cards and merchandise.

Points are worth 1 cent apiece when you redeem them for cash back, and at least 1 cent apiece when you redeem for travel or gift cards. Point values also vary when you redeem for merchandise. If you opt for cash back, you must redeem a minimum of 2,500 points.

Drawbacks and considerations

You must live in certain states to apply.

The West Coast isn't the best coast when it comes to the TD Cash Credit Card . To be eligible to apply for the card, you must be a resident of one of the following places:

Connecticut.

Massachusetts.

New Hampshire.

New Jersey.

North Carolina.

Pennsylvania.

Rhode Island.

South Carolina.

Washington, D.C.

Foreign transaction fees

If you need a credit card that can handle international travel, the TD Cash Credit Card isn't a good pick. It carries a 3% foreign transaction fee, making it an expensive payment option when traveling abroad.

No introductory APR on purchases

Although the TD Cash Credit Card provides a decent intro APR offer on balance transfers, it doesn’t extend that same benefit to purchases made with the card. This means you'll start accruing interest on new purchases from the moment you make them.

The issuer does offer a caveat here. If you’ve taken advantage of the 0% introductory APR balance transfer offer and you pay the "Payment to Avoid Purchase Interest" amount shown on your account statement each billing cycle, you can avoid accruing interest on purchases.

At face value, this may seem like a good deal, but it’s effectively the same as avoiding interest charges by paying your statement balance on purchases each month, which is not a unique feature; all cards offer it. Plus, it could slow you down on paying off your balance transfer during the introductory APR period.

» MORE: How do 0% intro APR credit card offers work?

alternate-pick-product-card-image

If the TD Cash Credit Card isn't available in your state, consider the Bank of America® Customized Cash Rewards credit card card instead. It's a similar $0 -annual-fee card with customizable rewards (though they do come with a spending cap).

How to decide if it's right for you

For customers who live in an eligible area and want to maximize rewards on particular spending categories, the TD Cash Credit Card can be a great pick. Compared with other cards with customizable rewards categories, it adds the advantage of having no cap on ongoing rewards.

But again, it's available to less than half of the United States. And with a 3% foreign transaction fee and no introductory APR offer on purchases, it’s not an ideal choice for international travelers or anyone who intends to carry a balance from month to month.

  • The best credit cards of 2024
  • Best travel credit cards
  • Best rewards credit cards
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Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

About the author

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Jaime Hanson

  • Small Business

Canada

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TD Canada Trust

The smart way to do business and travel

Discover your TD Business Travel Visa* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Getting Started

Manage Expenses

Earn TD Rewards Points

Redeem TD Rewards Points

Travel Benefits

Business Card Benefits

Card Security

Your new TD Business Travel Visa* Card

Quick steps for getting started and making the most of your card.

Learn more about the features and benefits of your TD Business Travel Visa* Card by calling 1-800-983-8472 to speak with a Business Credit Card specialist.

Visit My TD Rewards in the TD app or EasyWeb® Online banking to manage your TD Rewards Points and discover loyalty perks.

Update your business Card as the primary Card on your favorite mobile apps like auto-reloads and transportation to make everyday business purchases more convenient 1 .

Learn how to add your business Card to Apple Pay , Google Pay or Samsung Pay , to make convenient, everyday business payments with just a tap of your device.

Set up regularly recurring bill payments on your TD Business Travel Visa* Account with participating merchants so bills are paid automatically on their due dates. You'll save time and avoid late fees.

Register for online statements on EasyWeb® Online banking to save time and stay organized.

Learn more about the TD app to access your Business Credit Card Account almost anywhere. Plus, you can bank at home or on the go.

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device or by phone at 1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at 1-800-983-8472 .

Fast, reliable access to cash . You can ask for an emergency Cash Advance of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs worldwide, at all TD branches and at select financial institutions around the world.

  • Getting information when you need it . The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.
  • Stay connected to important people. In the event of an emergency, messages can be forwarded to family members at home.
  • Ways to Pay

Cover business expenses with TD Visa* Cheques

If you need to pay for a business expense that can’t be charged to a credit card, use TD Visa* Cheques 2 anywhere cheques are accepted and the amount of your business expense will be processed directly to your TD Business Travel Visa* Card Account as a Cash Advance.

To learn more, call 1-800-983-8472

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Save time with Apple Pay, Google Pay or Samsung Pay

These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for your everyday purchases for your business.

Pay online easily and securely

td travel rewards benefits

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

Business Credit Card specialist

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Stay on top of your Business Credit Card spending with the new TD Card Management Tool.

As a business owner, you have a lot on your plate. That’s why when you get a TD Business Credit Card, you also get exclusive access to the TD Card Management Tool — designed to save you time and make your day-to-day easier.

You can access and organize the information you need to help you make informed decisions about what matters most.

By separating your business and personal expenses, you can get a clear, real-time view of your spending behaviour and balances, all in one easy-to-use online tool. Plus, you can create custom reports, track your employees’ spending, adjust your credit limits and apply spend controls with the click of a button.

It’s just business, not personal

td travel rewards benefits

When you get a business credit card with TD, you get access to the TD Card Management Tool.

This easy-to-use tool lets you:

  • Redistribute your business’s available credit between Cardholders any time
  • Easily set restrictions on spend type, geography and thresholds of your Card
  • Have the ability to temporarily turn a Card on and off
  • View a dashboard of your key business expenses
  • Track your and your employees’ spending
  • Create numerous customizable reports with up to 18 months of business transaction data
  • Search your spending by date, amount or vendor
  • Access your balances and payment history, and more

Take control

Flexibility.

Move your credit limits between your Cards any time.

Easy-to-use features put your finances in your hands – anytime, anywhere.

Faster and easier

Simplified expense management means more time to focus on growing your business.

All your reports are conveniently organized in one place online.

Separate your business from personal spending

Don’t mix business with pleasure is a common saying, but not everyone follows that advice when it comes to their credit cards. By keeping your business expenses and personal spending separate, you can take advantage of the TD Card Management Tool.

  • Track Employees’ Usage: Ever wonder who’s spending what and where? Now you can organize spending reports by Cardholder or supplier category, so you always know how your funds are being spent.

Watch Your Spending: The TD Card Management Tool’s dashboard makes it easy to view your expenses at a glance or take an in-depth look through category and individual Cardholder spend views.

Get the Added Confidence of Spend Control: As a business owner, the TD Card Management Tool makes it easy to stay in control while employees are spending on behalf of your business. With Spend Controls, you can temporarily block Cards as well as set limits on employee transactions, from the dollar amount to the geographic location to the type of transaction that’s permitted.

Redistribute Credit Limits: It’s never been so easy to reallocate your credit limits. Redistribute your available credit between Cardholders to meet your specific business needs with the simple click of a button.

Customize Reporting Periods: You can gain new insights about your business by setting reporting periods between any dates you choose — not just your billing cycle.

View Balance & Payment History: Delve into an archive of your balances, payments and reports to monitor changes in spending behaviour over time.

Get Started

Try it today in your EasyWeb Business Account.

Get in touch to find out more about the TD Card Management Tool.

Your TD Rewards Points

With your TD Business Travel Visa* Card, you earn 3  TD Rewards Points with every eligible business Purchase and redeem them how and when you want

  • Earn 9 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com using your Card 4 .
  • Earn 6 TD Rewards Points for every $1 in foreign currency purchases 5 , restaurant purchases 6  and regularly recurring bill payments 7 .
  • Earn 2 TD Rewards Points for every $1 you spend on all other eligible purchases 8 .
  • Enjoy ExpediaForTD.com, your exclusive travel booking site with special offers designed just for you. With ExpediaForTD.com, you can be confident that you’ll earn the most rewards points and get the best point redemption value.
  • No travel blackouts 9 , no seat restrictions 9  and no expiry for your TD Rewards Points.
  • Turn your everyday business purchases into TD Rewards Points that you can also redeem for retail business merchandise, gift cards and more.
  • Your TD Rewards Points never expire as long as you are a Cardholder.
  • 50% more TD Rewards Points at Starbucks when you link your Card with your Starbucks® Rewards account. Conditions apply. Visit  td.com/starbucksoffer  to learn more.

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

††† 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 Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points.

Earn more with regularly recurring bill payments

td travel rewards benefits

Set up Pre-Authorized Payments on your account for business expenses, like utilities or phone bills. You'll earn TD Rewards Points and your bills will be paid automatically on their due dates.

Your redemption options

The TD Rewards Program provides you with the flexibility to redeem your TD Rewards Points on what you want - business travel purchases, retail merchandise, gift cards and so much more. Discover the possibilities at  TDRewards.com.

Travel where you want

td travel rewards benefits

  • Expedia For TD 10 Redeem 11  your TD Rewards Points through  ExpediaForTD.com , available exclusively to TD Credit Cardholders who earn travel rewards. Book business travel while earning TD Rewards Points fast or redeem your TD Rewards Points for any Expedia For TD purchase you make with your card,  including taxes & fees . You can search over a million flights, hotels, packages and more!
  • Book Any Way Travel Purchases 11 You can also book your business trip through other travel agencies or websites to take advantage of any discounts and last-minute deals they offer. Whether you want to take clients for a round of golf or park at the airport, you have the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including taxes — within 90 days of this type of  travel purchase !

Shop for your business using your rewards

  • Merchandise and Gift cards Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
  • Amazon.ca Shop with Points Redeem your TD Rewards Points towards making business purchases at Amazon.ca to get what you want, when you want, quickly and easily. Conditions apply 12 .  Learn more  about how you can redeem your points for all or just part of your purchase.

td travel rewards benefits

Financial Rewards

td travel rewards benefits

  • Pay with Rewards Redeem your TD Rewards Points for a cash credit to help pay down your TD Business Travel Visa* Card Account.
  • Redeem for Education TD Rewards Points can be redeemed for education credits from HigherEdPoints to help cover tuition and other higher education costs at over  100 participating institutions  for yourself, an employee, a relative or a friend.

Explore TDRewards.com

Register at  TDRewards.com  to:

  • See how many TD Rewards Points you’ve earned on each purchase
  • Stay on top of great deals by signing up for special offer emails
  • View and redeem TD Rewards Points through EasyWeb or the TD app

Your TD Business Travel Visa* Card comes with travel perks

Travel medical insurance 13.

You have coverage for eligible medical emergencies without even having to charge the trip to your business Card! To help you with the consequences of eligible unforeseen events, your TD Business Travel  Visa*  Card includes Travel Medical Insurance, which provides:

  • Up to $2 Million of comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether within Canada or internationally.
  • No out-of-pocket costs for eligible emergency medical expenses, when possible.
  • 24/7 emergency medical assistance.
  • Coverage for the first 15 days of your trip. If you or your spouse is aged 65 or older, you have coverage for the first 4 days of your trip. For longer trips, top-up coverage is available for purchase by calling  1-800-293-4941 .

td travel rewards benefits

Enjoy a suite of insurance benefits with your Card

  • Flight/Trip Delay Insurance 14 If your flight/trip is delayed for longer than four hours, each insured person could receive up to $500 for reasonable and eligible hotel, motel and restaurant expenses when you charge the full cost of your flight on your business Card and/or TD Rewards Points.
  • Trip Cancellation Insurance/Trip Interruption Insurance 15 Help protect yourself from cancellations and recover eligible trip expenses. With Trip Cancellation, receive up to $1,500 of coverage for each insured person, up to a maximum of $5,000 for all insured persons. Your time is valuable. When facing a trip interruption, you can receive up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Common Carrier Travel Accident Insurance 16 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane or train).
  • Delayed and Lost Baggage Insurance 17 If your baggage is delayed for longer than six hours, each insured person is eligible for emergency purchases of essentials, such as clothing and toiletries. Coverage may also be provided if your baggage is lost by a Common Carrier. Charge the full cost of the tickets with your business Card and/or TD Rewards Points, so each insured person may be eligible for coverage up to an overall maximum of $1,000 per trip.
  • Auto Rental Collision/Loss Damage Insurance 18 Use your business Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver ("CDW") coverage at no additional cost for up to 48 consecutive days. Please note, some rental agencies may require you to buy the CDW coverage from them. It's important to contact the rental agency before reserving a car to verify their policies.

Emergency Travel Assistance Services 19

td travel rewards benefits

Help is just a call away. Get toll-free access to help, should you have a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

  • Translation services in the event of an emergency situation
  • Lost document and ticket replacement
  • Emergency Cash Transfer in the event of a theft, loss or emergency. Our Administrator can assist you with obtaining a Cash Advance which will be charged to your Account

In Canada and U.S. call  1-800-871-8334 . In other countries call collect  416-977-8297 .

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates 20 , 21  in Canada and U.S., and a minimum of 5% on the lowest available base rates 20 , 21  internationally, on qualifying car rentals at participating Avis and Budget locations.

  • Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount ("AWD") #C078400  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.
  • Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount ("BCD") #A331700  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.

Dedicated Business Solutions

td travel rewards benefits

Expertise you can trust, technical support you can count on and solutions that adapt to your changing needs. Our dedicated advisors will take the time to understand your growing business and provide knowledgeable advice and solutions that are right for you.

Enjoy discounts with the Visa SavingsEdge* Program

td travel rewards benefits

Enroll your TD Business Travel Visa* Card in the Visa SavingsEdge* Program 22  at no cost and enjoy discounts of up to 25% on qualifying business purchases, including business travel and entertainment, computers and electronics, business services and more. Your savings are automatically applied to your Account and appear as credits on your future statements.

Add Additional Cards

td travel rewards benefits

Need more Cards for your business? Easily apply for and manage additional Cards 23  for your employees.

Optional Business TD Auto Club Membership

td travel rewards benefits

With optional Business TD Auto Club Membership 24 , know that in the event of a road emergency, help is just a phone call away.

Balance Transfer

Consider consolidating any higher-rate non-TD credit card balances you may have to your TD Business Travel Visa* Card Account through a Balance Transfer 25 . By transferring your balances you can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of consolidating your balances to your TD Business Travel Visa* Account.

For more information, visit us at your nearest TD Canada Trust branch or call 1-800-983-8472

Explore your TD Business Travel Visa* Card's security and protection

Protecting the security of your Card should always be a priority. That’s why your TD Business Travel Visa* Card comes with features that help protect you when you shop online and in person.

Security features

Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your ("PIN").

Shop with confidence with chip & PIN technology . Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Purchase Security and Extended Warranty Protection 26 . You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.

Personal Identification Number (PIN) Security Tips

td travel rewards benefits

  • Choose a PIN you can remember that's difficult to guess. Don't use a phone number or a birthday.
  • Never write down your PIN.
  • Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
  • Never let anyone else know or use your PIN or use your business Card.
  • Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7 at any TD Green Machine (ATM).

24 hour Fraud Protection

Our enhanced protection measures help protect you from Credit Card fraud. Should we detect unusual activity relating to your Account:

You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you or an Additional User, performed a transaction on your TD Business Travel Visa* Card or Account.

During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

Your Card may be temporarily blocked until we can contact you for verification.

You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect unusual activity on your TD Business Travel Visa* Card or on any Additional Card on your Account. Learn more .

More about your TD Business Travel Visa* Card

Cardholder agreement.

For complete information about your Card, please refer to your Cardholder Agreement

  • Cardholder agreement (PDF)

Benefit Coverages

For complete information about your Card, please refer to your Benefit Coverages Guide.

  • Benefit Coverages Guide (PDF)
  • Product Summaries (For Quebec Residents Only) (PDF)

Welcome Guide

Save a copy of this guide for reference when you're offline.

  • Welcome guide (PDF)

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Annual interest rates, fees and features are current as of October 30 2022 unless otherwise indicated and subject to change.

1  The Toronto-Dominion Bank is not responsible for any third-party retail apps, including their use and any services or products provided through such apps.

2  TD Visa Cheques (“Cheques”) are processed as Cash Advances to your TD Credit Card Account (“Account”) and interest is charged at the annual interest rate that applies to your Account for Cash Advances from the transaction date until the total amount of the Cheque is paid in full. Your transaction date appears on your monthly statement. A Cheque will not be processed if the total amount exceeds the available credit on your Account or if the Account is not in good standing. Cheques cannot be used for repayment of any TD credit account. Stop payments are not allowed on Cheques. See your TD Business Cardholder Agreement for more details.

3  TD Rewards Points are earned for Purchases charged to the Account. Credits for refunds, returned items, rebates and other similar credits will reduce or cancel the TD Rewards Points earned by the full or partial amount originally charged to the 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 Rewards Points.

4  Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD (" Online Travel Purchases ") and charged to your TD Business Travel Visa Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD (" Phone Travel Purchases ") and charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5  Earn 6 TD Rewards Points (" Foreign Currency Rebate ") for every $1 in Purchases in a Foreign Currency (" Foreign Currency Purchases ") charged to your TD Business Travel  Visa * Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Foreign Currency Purchase, as applicable. 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.  $80,000 Cap : The Foreign Currency Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Foreign Currency Purchases, then any further Foreign Currency Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of Foreign Currency Rebate:  The Foreign Currency Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6  Earn 6 TD Rewards Points (" Restaurant Rebate ") on each $1 in Purchases at restaurants (" Restaurant Purchases ") charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Restaurant Purchase, as applicable. 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.  $80,000 Cap:  The Restaurant Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Restaurant Purchases, then any further Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of Restaurant Rebate:  The Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Restaurant Rebate, the Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (" MCC ") that identifies them in the "restaurant" category. Some merchants may not be classified with a restaurant MCC and such Purchases will not earn the Restaurant Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472 .  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7  Earn 6 TD Rewards Points (" PAP Rebate ") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Business Travel Visa* Card Account (" Account ") and that are classified through the Visa network as "recurring payments" (" Pre-Authorized Payments "). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $80,000 Cap : The PAP Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

8  Earn 2 TD Rewards Points (" Standard Rebate ") on every $1 on all other Purchases (" Other Purchases ") charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

9  Subject to carrier/space availability.

10  Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

11  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your business Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your business Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Credit Cardholder Agreement for your business Card. The Travel Terms are available on  www.td.com/businesscardagreements . We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your business Card that are not booked through Expedia For TD, Cardholder must contact the TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be deducted from the Cardholder’s TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited towards the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment. Expedia For TD is operated by Expedia, Inc. at  www.TDRewards.com  and 1-877-222-6492 .The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

12 These are highlights of the Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by [Amazon.com, Inc.]. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

13  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide. The day of departure from and the day of return to your province of residence each count as one full day. 15-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top-up with.

14  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide.

15  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

16  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide.

17  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

18  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them--it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.

19  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

20  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

21  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

22  The  Visa SavingsEdge * Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.

23  Business and business owners are jointly and severally liable for all charges to made to each TD Business Travel Visa Card Account.

24  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

25  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your business Cardholder Agreement for complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

26  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

*  Trademark of Visa Int., used under license.

All trade-marks are the property of their respective owners.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

TM Android and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Trademark The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

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”).

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

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

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The TD Business Travel Visa Card was designed for hard workers like you who want to do business and travel the smart way. Earning your way to your next destination couldn't be simpler. With a TD Business Travel Visa Card, you can easily turn everyday business purchases into TD Rewards Points faster for travel and experiences. You can earn the most points when you book travel through expediafortd.com. Earn nine TD Rewards Points for every dollar you spend on online travel purchases. You can book all your travel needs from flights to hotels, car rentals and attractions.

Make the most of every trip through expediafortd.com. Earn six TD Rewards Points for every dollar you spend on restaurant purchases and recurring bill payments made on your card. You can also earn six TD Rewards Points when you make foreign currency purchases so you can earn faster no matter where you need to go. Plus, earn two TD Rewards Points for every dollar spent on all other everyday business purchases. And when you're ready to redeem your TD Rewards Points, you can be sure your points will take you farther with expediafortd.com.

You'll get the best redemption value, period. You also have the option to redeem your points for merchandise, gift cards, or a cash credit. When you decide to travel, you'll travel with an extensive suite of travel insurance plans available to cardholders. The TD Business Travel Visa Card makes keeping track of all your spending simple. Your card comes with access to the TD Card Management tool, an easy way to access online custom reporting, review your business expenses, manage your existing credit limits, and apply spend controls. Paying for business expenses has never been this rewarding.

Bank of America® Travel Rewards Credit Card review: A simple travel rewards card with basic features

Photo of Bank of America® Travel Rewards credit card on a blue and pink abstract background

Our take: The Bank of America® Travel Rewards Credit Card stands out for its simplicity: It’s a $0-annual fee card that earns simple, flat-rate rewards that you can redeem as statement credits for travel or dining.

Bank of America® Travel Rewards Credit Card

Intro bonus, reward rates.

  • 1.5x 1.5 points on all purchases
  • Easy to redeem rewards for dining and travel
  • Offers welcome bonus
  • Extra rewards for Preferred Rewards members
  • No notable travel benefits
  • No travel transfer partners
  • Free FICO score, Balance Connect® for overdraft protection
  • Foreign transaction fee: None

Bank of America® Travel Rewards Credit Card: Overview

Card type: Travel

With no annual fees or foreign transaction fees, the Bank of America Travel Rewards card is an appealing choice for budget travelers or anyone who wants simplicity in their travel credit card. Although the rewards earned on this card lack the versatility you might find in cards that offer the ability to transfer rewards to loyalty programs or book travel through the card issuer’s portal, this card does allow you to redeem their points for statement credits for travel and dining, as cash back, or to purchase gift cards.

Who is the Bank of America® Travel Rewards Credit Card good for?

The Bank of America® Travel Rewards Credit Card is well-suited for budget-conscious travelers who prioritize simplicity over extravagant perks. Plus, with the card’s 0% intro APR for 15 billing cycles on purchases and balance transfers made within the first 60 days of account opening, the card can be a valuable tool for those looking to finance big-ticket purchases or consolidate their debt.

Who shouldn’t get the Bank of America® Travel Rewards Credit Card?

Those who prioritize reward flexibility, lavish travel benefits, and a substantial welcome bonus may find the Travel Rewards Credit Card less appealing. The card’s modest welcome offer, and absence of transfer partners for airline or hotel loyalty programs could be drawbacks for those seeking more extensive rewards and perks. 

Bank of America® Travel Rewards Credit Card: How to earn rewards

The rewards structure is easy to understand—there are no rotating categories to keep track of or activate or different rewards rates. Cardholders earn a flat 1.5 points on all purchases. 

You’re also eligible to earn a modest welcome offer that’s worth 25,000 points, or $250, if you spend $1,000 in purchases in the first 90 days of account opening. 

How to redeem Bank of America® Travel Rewards Credit Card points

There are only a few ways to redeem your points with the Travel Rewards Card You can use your rewards to book travel, cover travel and dining purchases, get cash-back as a statement credit, and buy gift cards.

However, when you redeem for cash or gift cards, you may not get the best value. One point is valued at 0.6 cents, so 2,500 points will only give you $15. There’s a 2,500 point minimum redemption requirement, too. The redemption value for gift cards will vary.. Travel and dining credits are typically the best value for your rewards, where a point is worth one cent.

Get a statement credit for travel or dining

To redeem points with the Bank of America Travel Rewards Credit Card, you can get a statement credit to offset eligible travel—like airlines, hotels, car rentals—and dining purchases made within the past 12 months. There’s a 2,500 point minimum redemption requirement. 

When you redeem your points this way, one point is worth one cent. 

Bank of America® Travel Rewards Credit Card rates and fees

  • Annual fee: $0
  • Intro APR: 0% Intro APR for 15 billing cycles on purchases made in the first 60 days of account opening, then the standard variable APR will apply.
  • Purchase APR: 18.24%–28.24% variable
  • 0% APR balance transfer:  0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days of account opening. After that, the APR is 18.24%–28.24% variable
  • Balance transfer fee: 3% for 60 days from account opening, then 4% will apply
  • Penalty fee: up to $40 for late payments

Additional benefits

  • Free FICO Score. Through online and the mobile banking app, you can access your FICO Score from TransUnion, which is updated monthly, for free.

Credit cards similar to Bank of America® Travel Rewards Credit Card

If you’re looking for a no-annual-fee travel card with greater flexibility than  the Bank of America Travel Rewards Card, there are other options to consider. Here’s a look at how some of the competition stacks up. 

Capital One VentureOne Rewards Credit Card vs. Bank of America® Travel Rewards Credit Card

The Capital One VentureOne Rewards Credit Card boasts a versatile rewards program, although the rewards rate is slightly lower.. The Bank of America Travel Rewards card earns  1.5 points per dollar, the VentureOne offers a slightly lower 1.25 miles per dollar, but it does earn with 5 miles per dollar on prepaid hotels and rental cars through Capital One Travel.

The VentureOne also has a decent welcome offer for a no-annual-fee card of 20,000 miles after spending $500 on purchases within 3 months from account opening. 

But the biggest benefit the VentureOne Card has over the Bank of America Travel Rewards card is the redemption flexibility. With this card, you can transfer your miles to over 15 of Capital One’s travel loyalty programs, so you can potentially wring even more value from your rewards. You can also book a trip through Capital One Travel, get reimbursed for travel purchases made within the previous 9- days, or opt for a statement credit, although like the Bank of America card, this last option is also worth less than a penny per point. 

Discover it® Miles vs. Bank of America® Travel Rewards Credit Card

Just like the Bank of America Travel Rewards Card, the Discover it® Miles card dishes out 1.5 miles on general purchases, without any annual or foreign transaction fees. But a key distinction between these two cards lies in the redemption options. You cannot use your miles to make a purchase, but you can redeem them for a statement credit against a travel purchase made within the last 180 days. Or, you can simply apply your earnings as a cash-back statement credit without any travel involved. Either way, a mile is worth a penny a point. Allowing you to take cash back at the same value as a travel reimbursement is a much better option than the less than a penny per point cash-back option on the Bank of America Travel Rewards card.  

The Discover it Miles card also goes the extra mile when it comes to a welcome offer. Instead of an upfront offer after meeting a minimum spending requirement, the issuer doubles the rewards you earn in the first year. For example, if you earned a total of 50,000 miles in the first year, you would earn an additional 50,000 miles at the end of the year.

Is the Bank of America® Travel Rewards Credit Card right for you?

The Bank of America Travel Rewards Card is best for those looking for a no-frills travel card who can take advantage of the card’s 0% APR offer. It’s also best for someone who wants to use the earnings on a travel rewards card solely for travel, and doesn’t mind not taking cash-back. 

However, potential users should be aware of its limitations, including the limitations on redemption. Most people will fare better with a card that offers 2% cash back, which is both more rewarding and allows you to use your money on anything you’d like, travel or otherwise.

Frequently asked questions

Is it hard to get a bank of america® travel rewards credit card.

Since the Bank of America Travel Rewards Card is a rewards card, you’ll likely need a good or better FICO Score, which starts at 670 or higher.However, keep in mind there is no one set score which will guarantee you’ll be approved for a card as issuers take several factors into consideration when determining approval.

Is the Bank of America® Travel Rewards Credit Card worth it?

The Bank of America Travel Rewards credit card may be worth it for some—it’s a solid option for budget-conscious travelers seeking simple rewards who may only want to redeem their rewards for travel one way.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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COMMENTS

  1. TD First Class Travel Visa Infinite* Card

    399,000. TD Rewards Points in your first year (includes bonus points of 20,000 TD Rewards Points when you make your first Purchase with your card 1 and assumes that you have earned the 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 )†. A travel value†† of up to. $1,995.00.

  2. TD Rewards Visa* Credit Card

    The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards. Your card also allows you to enjoy: Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more. Mobile device insurance of up to $1000 if you lose or damage your phone.

  3. TD Bank Credit Card Benefits & Features From Visa Signature

    Visa Signature Card Benefits 1. In addition to your TD Bank Credit Card rewards, as a Signature cardholder you'll get all the Visa benefits of a Platinum card, plus a range of security and travel benefits: Fraud and protection benefits. Travel benefits. Entertainment and lifestyle benefits.

  4. Credit Card Travel Benefits

    Depending on the TD credit card, travel benefits could include: Travel Medical Insurance 1. Trip Cancellation / Trip Interruption Insurance 2. Delayed and Lost Baggage Insurance 3. Flight/Trip Delay Insurance 3. Common Carrier Travel Accident Insurance 4. Auto Rental Collision / Lost Damage Insurance 5. Emergency Travel Assistance Services 6.

  5. Travel Rewards Credit Cards in Canada

    TD Travel Rewards Credit Cards are designed to help you achieve travel goals sooner by earning Rewards Points on everyday purchases. There can sometimes be additional perks worth investigating. TD Travel Rewards Credit Cards come with exciting travel benefits such as Discounts and savings on rentals from Avis Rent-A-Car and Budget Rent-A-Car.

  6. TD Rewards

    Redeem the TD Points you've earned on Purchases made with your TD Travel Credit Card

  7. Redeem Your TD Credit Card Rewards Online

    Enjoy exclusive business travel benefits and earn TD Rewards Points on your everyday business purchases, with the freedom and flexibility to redeem your points how and when you want. ... Simply make your travel purchase using your TD Travel or Rewards Credit Card, then make a Book Any Way travel redemption request within 90 days of the purchase.

  8. TD Travel Rewards Review [2024]: The Credit Cards Worth It?

    TD Travel Rewards is a rewards program that allows credit card holders to earn points on every purchase. Some TD credit cards specifically earn travel rewards, while some earn cash-back points that can be used for almost anything. Each set of cards has its own travel-specific benefits as well.

  9. How my Program Works

    TD First Class Travel Visa Infinite*. 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone)1. Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD2. Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD)3,4.

  10. TD Platinum Travel Visa Card Review 2024

    If Expedia is your go-to for travel bookings, the TD Platinum Travel Visa Card's 6-point-per-$1 earn rate is unmatched. That said, TD Platinum Travel Visa Card offers a hearty welcome in the ...

  11. Travel Rewards Card

    Rewards details. 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining, from fast food to fine dining. 1X First Class miles on all other purchases - no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

  12. When travelling the world on miles and points, is the TD Rewards

    That's because many reward programs can be redeemed at one cent per point (e.g., 10,000 points = $100). With TD Rewards, the best possible redemption rate is 0.5 cents per point (e.g., 10,000 points = $50). Redemption value on travel. There are two ways to redeem TD Rewards for travel purchases: Expedia for TD 'Book Any Way'

  13. TD Rewards Visa* Card Review 2024

    TD Rewards Visa* Card Benefits. Earning Rates and Rewards: 4 points per dollar on ExpediaForTD, ... The TD Rewards Visa Card is an entry-level, no annual fee travel rewards card issued by TD Bank ...

  14. Expedia For TD: How to maximize your TD travel rewards credit card

    Annual fee: $139 (annual-fee rebate—conditions apply to qualify). Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99%. Welcome bonus: earn up to $1,100 in value ...

  15. The Essential Guide to TD Rewards

    Booking non-Expedia travel using TD points is called "Book Any Way Travel" and can be booked by using the TD Rewards website or by calling 1-800-983-8472. Calling has a few distinct advantages, such as the ability to redeem your points for non-conventional travel items, such as gas, attractions, various hotel expenses, RV rentals, and even ...

  16. How TD Rewards work and how to maximize your points

    Earn up to $1,100 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by March 4 ...

  17. TD Rewards Visa Card: Worth It?

    Rewards Details. TD Rewards points earned with the TD Rewards Visa are worth 0.5 cents each towards travel booked with Expedia for TD. This means that 10,000 points is equal to $50 in value. TD First Class Travel® Visa Infinite Card. TD Platinum Travel Visa Card.

  18. Travel with ExpediaForTD.com: Vacation Homes, Hotels, Car Rentals

    TD Travel Rewards Credit Cards may get you closer to your next trip Dedicated support 24/7 Support to help plan, book, and correct any issues that arise to keep your vacation a vacation.

  19. TD Rewards

    Expedia For TD is available exclusively to TD Rewards Credit Cardholders. Redeem your points to pay for all or part of your trip 1.; Earn points faster - Get up to 8 TD Rewards Points2 for every $1 in Travel Purchases you make by phone through Expedia For TD3 or online through ExpediaForTD.com.; Get an annual TD Travel Credit of $1006 when you book at Expedia For TD.

  20. Canada's 5 Best TD Credit Cards

    Minimum income: $60,000 personal or $100,000 household. Annual fee: $139, rebated for the first year †. 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.

  21. TD Cash Credit Card: Rich, Customizable Rewards

    No matter how you spend your money, the TD Cash Credit Card can be a rewarding option. That's because unlike most rewards cards, it doesn't have set bonus categories. Instead, you get to pick ...

  22. TD Rewards Points Value Calculator

    Every 250 points you redeem is worth $1 in value for the first $1,200 of Book Any Way travel. Any dollar amount that is over $1,200 will only cost you 200 points for $1 in value. This means your TD Rewards points are worth 0.4 cents per point each up to $1,200 and 0.5 cents each for every $1 spent over $1,200.

  23. TD Business Travel Visa Welcome Guide

    Quick steps for getting started and making the most of your card. Learn more about the features and benefits of your TD Business Travel Visa* Card by calling 1-800-983-8472 to speak with a Business Credit Card specialist. Visit My TD Rewards in the TD app or EasyWeb® Online banking to manage your TD Rewards Points and discover loyalty perks.

  24. Bank of America® Travel Rewards Credit Card review: A simple travel

    Our take: The Bank of America® Travel Rewards Credit Card stands out for its simplicity: It's a $0-annual fee card that earns simple, flat-rate rewards that you can redeem as statement credits ...