TD Rewards Visa* Card

TD Rewards Visa* Card

2/5

Up to 15,152 TD Rewards Points

Apply Now

TD Rewards Visa* Card

TD Rewards Visa* Card

Apply Now

Rewards Calculator Algorithm

You can estimate your rewards by inputting your monthly or yearly spending habits.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Card Details

Based on $2,000 spending

First Year Value

$142

$43.51 in years after

Annual Rewards

$43.51

TD Rewards

First Year Bonus

$98.48

TD Rewards

Annual Fee

$0

First Year Value

$142

$43.51 in years after

Interest Rates

Cash Advance: 22.99%

Purchase: 19.99%

Balance Transfer: 22.99%

Annual Fee

$0

Annual Income

Personal: N/A

Household: N/A

Credit Score

Good

Welcome Bonus

Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening. Conditions apply. Account must be approved by January 6, 2025.

Card Type

Category: Points

Loyalty Program: TD Rewards

Our Rating

2/5

Institution

TD

Rewards


  • 4x points per $1 spent on travel booked online through Expedia for TD
  • 3x points per $1 spent on eligible grocery and restaurant purchases
  • 2x points per $1 spent on eligible recurring bill payments
  • 1x points per $1 spent on all other eligible purchases

TD Rewards Visa* Card Points Calculator

Based on $2,000 spending


Rewards Breakdown

Expedia

156 points


Food and drinks, Groceries

4,831 points


Recurring Transactions

728 points


All other purchases

2,986 points


Net Annual Rewards

8,702 points

Valued at $43.51

Rewards Summary

Net Annual Rewards

8,702 points

Valued at $43.51


First Year Card Bonus

19,697 points

Valued at $98.48


First Year Card Value

28,399 points

Valued at $142

Point Redemptions

Redemptions Chart

Travel from Expedia

$142


Travel

$113.6


Education

$113.6


Amazon

$93.72


Statement Credits

$71


Gift Cards

$71


Merchandise

$63.9

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year
  • mobile device insurance

    Mobile Device Insurance

    $1,000

Benefits

Details

  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car

Pros & Cons


Pros

  • No annual fee, making it easy to maintain.
  • Strong welcome bonus of 15,152 points, worth approximately $75.
  • Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
  • Mobile device insurance included, a rare feature for no-fee cards.

Cons

  • TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
  • Low return rate on everyday purchases, with 1 point per $1 spent, equating to just 0.5% return.
  • Limited insurance coverage compared to premium cards.

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