TD Rewards Credit Card Offers: Earn Up to 160,000 Points

TD issues three personal credit cards that earn TD Rewards Points, and all three cards recently had a number of enhancements added.

This time, the TD First Class Travel^® Visa Infinite^* Card is offering up to 160,000 TD Rewards points^†, with four complimentary lounge visits and a wide range of categories with boosted earning rates.^†

Meanwhile, the TD Rewards Visa* Card now offers 15,152 TD Rewards Points^† with a much lower spending requirement, while the TD Platinum Travel Visa* Card keeps its 50,000-point offer with a longer window to earn it.

If you’re eligible, be sure to give these offers a good look if you want to boost your TD Rewards balance for travel during the fall season and beyond.

TD First Class Travel^® Visa Infinite^* Card: Up to 160,000 TD Rewards Points^†

The TD First Class Travel® Visa Infinite* Card is currently offering up to 160,000 TD Rewards Points^†, which still ranks among the stronger credit card deals in Canada.

To earn the full welcome bonus, you’ll have to meet the following conditions:

• Earn 20,000 TD Rewards Points^† upon making your first purchase^†
• Earn an additional 140,000 TD Rewards Points^† upon spending $7,500 in the first 180 days of account opening^†

That’s up to 160,000 TD Rewards Points^† from the welcome bonus alone. Assuming you meet the $7,500 spending requirement with the card’s baseline earning rate of 2 TD Rewards Points per dollar spent, you’d earn an extra 15,000 points from the spend itself, for a total of 175,000 TD Rewards Points^†.

At our valuation of 0.5 cents per TD Rewards Point, that’s worth $875 toward travel through Expedia® for TD!^†

Add in the perks below, and the first-year value climbs much higher:

• $100 annual TD Travel Credit^† upon spending $500 (CAD) on lodging expenses booked with Expedia^® for TD^†
• Four complimentary lounge visits each year through the Visa Airport Companion Program, powered by DragonPass^†
• 10% anniversary bonus^† of TD Rewards Points earned over the past 12 months, up to 10,000 points^†
• Strong insurance coverage^† for travel and purchases

Conservatively, you’re looking at well over $950 in value when you combine the welcome bonus, travel credit, lounge visits, and the annual fee rebate. Maximize category bonuses and you’ll easily push the value even higher.

Earning rates are also highly competitive, you’ll earn:

• 8 TD Rewards Points^† per dollar spent on eligible Expedia^® for TD purchases^†
• 6 TD Rewards Points^† per dollar spent on eligible groceries, dining, and public transit purchases^†
• 4 TD Rewards Points^† per dollar spent on eligible regularly recurring bill payments set up on your account, streaming, digital gaming, and media^†
• 2 TD Rewards Points^† per dollar spent on all other eligible purchases^†

Again, using our valuation of TD Rewards Points of 0.5 cents per point, you’re looking at an effective return of 2–4% on your spending. 

It’s worth noting that there’s a $25,000 annual cap for the total amount spent on groceries, dining, and public transit services, as well as recurring bill payments, streaming, digital gaming, and media. Once you’ve reached that threshold, the earning rate drops down to the base rate of 2 TD Rewards Points^† per dollar spent.^†

The card’s annual fee of $139 is rebated in the first year^†, and additional cards cost $50, with the first supplementary card also enjoying a first-year rebate.^†

If you’d like to keep the costs down year-after-after, consider a TD Unlimited or All-Inclusive chequing account, which will waive the annual fee on one TD credit card of your choice, including the TD First Class Travel^® Visa Infinite^* Card, on an ongoing basis.^†

The TD First Class Travel^® Visa Infinite^† Card requires either $60,000 in annual personal income, or $100,000 in annual household income, to qualify.

Offer effective as of September 1, 2026.

TD Platinum Travel Visa* Card: Up to 50,000 TD Rewards Points^†

The welcome bonus on the TD Platinum Travel Visa^* Card still offers 50,000 TD Rewards Points^† with a first-year annual fee rebate, and the spending window for the second tier has been extended to 180 days.

The breakdown of the welcome bonus is as follows:

• Earn 15,000 TD Rewards Points^† upon making your first purchase^†
• Earn an additional 35,000 TD Rewards Points^† upon spending $3,000 in the first 180 days^†

Aside from the welcome bonus, you’ll enjoy the following earning rates with the TD Platinum Travel Visa^* Card:^†

• 6 TD Rewards Points^† per dollar spent on eligible Expedia^® for TD purchases^†
• 4.5 TD Rewards Points^† per dollar spent on eligible grocery, dining, and public transit purchases^†
• 3 TD Rewards Points^† per dollar spent on eligible regularly recurring bill payments set up on your account, streaming, digital gaming, and media^†
• 1.5 TD Rewards Points^† per dollar spent on all other eligible purchases^†

As you can see, the earning rates are a step down from those on the TD First Class Travel^® Visa Infinite^* Card; however, if you don’t qualify for the higher-tier card, then you can still get a solid return on spending in any of the boosted categories.

There’s a $15,000 annual cap for the total amount spent on groceries, dining, and public transit, as well as recurring bill payments, streaming, digital gaming, and media^†, before your rewards on spending drop to the baseline earning rate.

The annual fee is $89, which is rebated for the first year under this offer, and it can be easily waived in subsequent years with an eligible bank account.^†

There’s no minimum income requirement to apply for this card.

TD Rewards Visa^* Card: 15,152 TD Rewards Points^†

The TD Rewards Visa* Card is TD’s no-annual-fee option, and its welcome bonus now sits at 15,152 TD Rewards Points^† with a much lower spending requirement, keeping it an accessible entry point to the TD Rewards program.

You’ll earn 15,152 TD Rewards points^† when you spend $500 within 90 days of account opening^† – worth about $75 toward travel through Expedia^® for TD, or $50 on eligible Amazon.ca purchases.^†

For a credit card with no annual fee, the earning rates are quite competitive, and are structured as follows:

• 4 TD Rewards Points^† per dollar spent on eligible Expedia^® for TD purchases^†
• 3 TD Rewards Points^† per dollar spent on eligible grocery, dining, and public transit purchases^†
• 2 TD Rewards Points^† per dollar spent on eligible regularly recurring bills set up on your account, streaming, digital gaming, and media^†
• 1 TD Rewards Point^† per dollar spent on all other eligible purchases^†

There’s a $5,000 annual cap for the total amount spent on groceries, dining, and public transit purchases, as well as recurring bill payments, streaming, digital gaming, and media before the rewards on spending drop to the base rate.^†

This is surely one of the more competitive options amongst Canada’s best no-fee credit cards.

There’s no minimum income requirement for this card.

Conclusion

TD has refreshed its TD Rewards lineup, with the First Class Travel® Visa Infinite* Card offering up to 160,000 TD Rewards Points^† and the TD Rewards Visa* Card taking just $500 in spending to earn its 15,152-point no-fee welcome bonus^†.

Combined with a first-year annual fee rebate and strong travel perks, the TD First Class Travel^® Visa Infinite^* Card remains one of the strongest TD Rewards offers we’ve seen.

If you’ve been thinking about adding the TD First Class Travel® Visa Infinite* Card to your wallet, now is the best time to apply.

^† 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.