TD® Rewards Visa* Card

TD® Rewards Visa* Card

Annual Fee $0
Purchases 19.99%1
Cash Advances 22.99%
Balance Transfer 22.99%
TD® Rewards Visa* Card

Earn up to 10,000 TD Rewards Points1. Conditions apply. Offer ends December 1, 2019.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Limited time offer! Earn 2x TD Rewards Points on all Purchases in the first three months up to a total of 10,000 TD Rewards Points1. Offer ends December 1, 2019.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

No Annual Fee.

Earn:

  • Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases2, and regularly recurring bill payments3.
  • Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com4
  • Earn 1 TD Rewards Point for every $1 you spend on all other purchases5
  • Flexibility to use your TD Rewards Points on what you want – gift cards, merchandise, travel and more.
  • Your TD Rewards Points will never expire as long as you are a Cardholder
  • Sponsored advertising. 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.

How to Redeem:

Shop online through TDRewards.com. Through Shop The Mall, you can redeem your TD Rewards Points to shop directly at participating online retailers to pay for the things you want. Or, Shop The Catalogue and redeem your TD Rewards Points for brand name merchandise from gift cards and appliances, to electronics, luggage and more.

You can earn more TD Rewards Points when you book your travel online with your TD Rewards Visa Card through ExpediaForTD.com. You can also redeem any earned TD Rewards Points towards that purchase at time of booking through ExpediaForTD.com. Or, use your TD Rewards Visa Card to book travel with any other travel provider and redeem any earned TD Rewards Points towards that purchase within 90 days after the purchase date.

You can also redeem your TD Rewards Points to help pay down your Credit Card Account balance through TDRewards.com, EasyWeb or the TD App.

Promotional Balance Transfer/Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.

Cash Advance Fee: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)

Foreign Currency Conversion: 2.50%

Over Credit Limit Fee: $29

  1. There is a 21-day interest grace period on all new purchases

1Must apply by December 1, 2019. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to the TD Rewards Visa Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 10,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 6 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 4 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account, earn 4 TD Rewards Points for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") and at restaurants including fast food restaurants ("Restaurant Purchases") charged to the Account, earn 4 TD Rewards Points on each $1 in regularly recurring bill payments ("Pre Authorized Payments"), and earn 2 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 3 TD Rewards Points for every $1 on Online Travel Purchases, earn 2 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, Restaurant Purchases and Pre-authorized Payments, and earn 1 TD Rewards Point for every $1 on all Other Purchases. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

3Earn 2 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4Earn 3 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 2 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5Earn 1 TD Rewards Point ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

* Trademark of Visa International Service Association and used under license.

Last updated 09/04/2019. Check with the credit card issuer for the most up-to-date information before applying.

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