rewardsno fee

TD Rewards Visa Card

Name: TD Rewards Visa Card
Brand: TD Bank

3.4

Welcome bonus

Up to 15,152 TD Rewards points

4x expedia for td bookings — 4 TD Rewards Points per $1 when you book travel through Expedia For TD
3x groceries
3x dining

Annual fee: No annual fee
Interest rates: Purchases
21.99%
Cash advances
22.99%
Foreign transactions: 2.5%

Rated by the CreditCardGuru Editorial Team

A surprisingly strong no-fee rewards card for groceries, dining and transit — just redeem through Expedia For TD rather than Amazon to maximize point value.

At a glance

Annual fee: No annual fee
Welcome bonus: $76
Foreign tx fee: 2.5%
Network: VISA
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Expedia For TD bookings4 TD Rewards Points per $1 when you book travel through Expedia For TD	4x
Groceries	3x
Dining	3x
Public transit	3x
Recurring bill payments	2x
Streaming, digital gaming & media	2x
All other purchases	1x

Welcome offer: Up to 15,152 TD Rewards points (Spend $500 within 90 days of account opening).

Pros & cons

Pros

Best-in-class no-fee earn on groceries, dining and transit (3x)
Mobile device insurance is rare on a no-fee card

Cons

TD Rewards Points have low value (~0.5 cents, less at Amazon)
No travel insurance coverage

Perks & insurance

Key perks

No annual fee and free additional cardholders
Redeem points at Amazon.ca with Shop with Points
Earn 50% more points at Starbucks when you link your card
No travel blackouts, seat restrictions or point expiry
Mobile device insurance included

Insurance

Purchase security and extended warranty protection
Mobile device insurance

Rates & fees

Annual fee: None
Purchase interest: 21.99%
Cash advance: 22.99%
Foreign transactions: 2.5%

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but TD Bank can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on TD Bank's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and TD Bank's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with TD Bank. Trademarks belong to their respective owners.

Similar cards to consider

Guru Pick American Express

American Express Cobalt Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $192/yr
Welcome bonus: $300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

Apply now View details

Guru Pick Scotiabank

Scotiabank® Gold American Express® Card

4.7·Grocery shoppers and travellers who want no foreign transaction fees

Annual fee: $120/yr
Welcome bonus: $950
Top reward: 6x at sobeys, safeway, freshco, foodland and more

No 2.5% foreign transaction fee
6x on groceries is one of the highest in Canada

Suggested score 720+ · Excellent credit

Apply now View details

No FX fee

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

200+ Canadian cards tracked
Transparent rating methodology
Updated continuously

Cite this page

“TD Rewards Visa Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/td-rewards-visa, updated June 7, 2026.