TD Rewards Visa
Skip for nowWhat the roles mean
- No-fee card with 3 TD points per $1 on groceries, dining and transit, first $5,000 a year in each
Earn 15,152 TD Rewards Points (marketed as "a value of $50 on Amazon.ca") when you spend $500 within 90 days of account opening.
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
59,200 points a year
Worth about $237 at the simplest redemption, up to $296 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 4× points.
- Groceries (First $5,000 a year, then 1× points): 3× points.
- Dining & restaurants (First $5,000 a year, then 1× points): 3× points.
- Transit (First $5,000 a year, then 1× points): 3× points.
- Bills & subscriptions (First $5,000 a year, then 1× points): 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 59,200 points a year: worth $237 the easy way, $296 the best way.
- Easy way (0.4¢): TD's Book Any Way travel credit (Amazon and merchandise pay less)
- Best way (0.5¢): Expedia For TD: 200 points = $1
How to apply for the TD Rewards Visa
Check first
- Bonus not for recent holders: you can't get it if you activated or closed a TD Rewards Visa in the last 12 months
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries, dining, transit: 3 points per $1 until $5,000 a year in each, then 1
- Bills and streaming: 2 points per $1, first $5,000 a year combined
- Travel on Expedia For TD: 4 points per $1
- Redeem on Expedia For TD: 200 points = $1. Amazon and statement credits pay less
- Everything else: use another card. 1 point per $1 is worth about 0.5¢
- Example: $800/month groceries hits the $5,000 cap in about 6 months; the year earns 19,600 points = $98 on Expedia For TD
Posts about this card
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- TD RewardsSee every TD Rewards card
Annual fee waiver
- No annual fee
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, drugstore / pharmacy, entertainment, everything else
- Together: $726 a year after both fees, vs $237 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, drugstore / pharmacy, entertainment, everything else makes it $902 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee
- Welcome: 15,152 points after $500 in 90 days (TD says $50 on Amazon.ca; about $76 on Expedia For TD)
- No minimum income stated
- Points don't expire while the account is open
- $1,000 phone insurance
Cons
- Points are worth 0.5¢ at best (Expedia For TD), 0.33¢ on Amazon, 0.25¢ as a statement credit
- Bonus rates stop after $5,000 a year in each category
- No airline or hotel transfer partners
- No travel insurance of any kind
- 2.5% on foreign-currency purchases
- No welcome offer if you held a TD Rewards Visa in the past 12 months
Insurance included
- Phone: $1,000, depreciated value less a deductible
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Travel: none
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Starbucks: link the card for 50% more points
- Uber One: 3-month free trial
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Rewards Visa | 3× points≈ 1.0% in value | $98 | $0 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| TD Rewards Visa | 3× points≈ 1.5% in value | $45 | $0 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: 15,152 pts ("a value of $50 on Amazon.ca") when you spend $500 within 90 daysUnchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated September 1, 2026; 21.99% purchases; Uber One trial 3 months | $0 | none stated |
| October 17, 2026 | 15,152 pts ("a value of $50 on Amazon.ca") when you spend $500 within 90 daysChanged from 30,310 pts / $100 for $1,500 (doc, June 15, 2026); offer dated September 1, 2026. Uber One trial now 3 months | $0 | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.