15,152 TD Rewards Points
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
$78
First-year value
15,152
TD Rewards Points
$0
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of TD Rewards Points at 0.5 cents per point.
15,152 TD Rewards Points upon spending $500 in the first three months
Expedia for TD
Groceries, Dining & Transit
Bills & Streaming
Everything Else
Last updated: March 2, 2026
The TD Rewards Visa* Card is a basic no-fee credit card that lets you earn points in the bank's proprietary TD Rewards program.
The card is a good fit for casual travellers who are looking to earn points consistently with a fixed and predictable rate of return, but without paying an annual fee.
Canada’s 5 Best TD Credit Cards
Read more| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 15,152 TD Rewards Points | $500 spend in 3 months |
Annual Fee
Free
First Year Free
Yes
Additional Card
†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
15,152 TD Rewards Points
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Last updated: March 2, 2026
Free
Accessible threshold meets no-fee simplicity – ideal for younger earners or students building their first points balance without the pressure of annual fee recovery.
| Category | Rate |
|---|---|
| Expedia for TD | 4× |
| Groceries | 3× |
| Dining | 3× |
| Transit | 3× |
| Bills | 2× |
| Streaming | 2× |
| Everything Else | 1× |
Route groceries, dining, and transit through this card without hesitation, then let Expedia for TD bookings capture quadruple points – but keep a flat-rate card for everything else, since that 1x base rate lags dedicated cash-back options.
Best value comes from Expedia for TD bookings – but with no true transfer partners, you're locked into a fixed-rate travel portal rather than leveraging airline sweet spots.
Read Our Full TD Rewards Guide
Read moreNo annual fee
First Year FreeThe Starbucks integration lets you double-dip on rewards and Stars, though you're trading away all traditional travel insurance and lounge access for a clean no-fee structure that doesn't demand justification through complicated perk usage.
Underwritten by TD Home and Auto Insurance Company (Purchase Security/Extended Warranty); American Bankers Insurance Company of Florida (Mobile Device Insurance)
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | – |
| Trip Cancellation | Not included | – |
| Trip Interruption | Not included | – |
| Trip Delay | Not included | – |
| Baggage Delay | Not included | – |
| Baggage Loss | Not included | – |
| Rental Car (CDW/LDW) | Not included | – |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | – |
| Mobile Device | Included | $1,000/claim |
View Certificate of Insurance (PDF)
There's no travel insurance whatsoever – no medical, trip cancellation, or delay coverage – which makes this card unsuitable as your primary travel card without securing separate coverage.
85,000 Aeroplan points
