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: Earn 15,152 TD Rewards Points (TD advertises this as a $50 value on Amazon.ca; worth about $76 toward travel through Expedia For TD at 0.5 cents per point). (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
