rewardsno fee

TD® Rewards Visa® Card review

3.4Rated 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: 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

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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 Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions.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.

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Cite this page

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