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TD Rewards Visa

TD Rewards Visa

Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TD Rewards Visa Credit Card
TDNo Annual Fee

TD Rewards Visa

Our take: strongest for travel — about 2% back in value (est.) with no annual fee, plus a welcome bonus we value at roughly $50.

Welcome bonus15,152 TD Rewards Points (~$50 value) after $500 spend in 90 days
Apply on TD’s site →

  • Goes straight to TD
  • Our review

The TD Rewards Visa is a no-annual-fee rewards card from TD Canada Trust that earns TD Rewards Points on everyday spending, with bonus rates on travel booked through Expedia For TD, groceries, dining, and public transit. It’s positioned as an entry-level travel/everyday rewards card with no minimum income requirement, though it lacks the included travel insurance found on TD’s fee-based cards.

3.4out of 5

MoneyMint rating

#19 of 34 no-fee rewards cards · How we rate

Rewards value
3/10
Insurance
4/10
Flexibility
8/10
Welcome bonus
1/10
Fee value
10/10
Perks
2/10

≈ $299

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$0

Foreign Transaction Fee

2.5% (est.)not explicitly disclosed on this card’s own page; TD’s standard Visa rate

Rewards

~2%on travel (est. value)

Purchase APR 21.99% · Cash Advance APR 22.99%

Pros & Cons

Pros

  • No annual fee
  • Elevated earn rates on groceries, dining, transit, and Expedia-booked travel
  • Points don’t expire while the account is open and in good standing
  • No minimum income requirement
  • $1,000 mobile device insurance included

Cons

  • No included travel medical or trip cancellation insurance
  • Base 1 point/$1 rate on non-bonus spending is average
  • 21.99% purchase APR is on the higher side if you carry a balance
  • Best point redemption value requires using specific TD partners

Rewards & Earn Rates

Travel booked through Expedia For TD4 points/$1
Groceries, dining, public transit3 points/$1
Recurring bills, streaming, digital gaming/media2 points/$1
All other purchases1 point/$1
TD’s own product page doesn’t explicitly state a foreign transaction fee for this card — we’ve used TD’s standard 2.5% Visa foreign-currency conversion rate as a reasonable estimate, but confirm the exact figure on TD’s rate and fee disclosure before relying on it for cross-border spending.

Who It’s For

Best for

  • Canadians who want a no-fee card that still earns bonus points on groceries, dining, and transit
  • Applicants who don’t meet income minimums for premium travel cards
  • People who’ll redeem mainly through Expedia For TD, Amazon.ca, or Starbucks

Not ideal for

  • Frequent international travelers wanting built-in travel insurance
  • Anyone likely to carry a balance, given the 21.99% purchase APR
  • Those who want maximum flat-rate cash back with no category restrictions
IssuerTD
Annual fee$0
Welcome bonus15,152 TD Rewards Points (~$50 value)
Foreign transaction fee2.5% (est.)
MoneyMint rating3.4 / 5

Apply on TD’s site →

This link goes directly to TD’s official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

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3.4MoneyMint rating

TD Rewards Visa

Best for travel · No annual fee · ~$50 welcome bonus (est.)

Apply on TD’s site →Find a better fit

J

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against TD’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the TD Rewards Visa?

The TD Rewards Visa has an annual fee of $0.

What is the rewards rate on the TD Rewards Visa?

The TD Rewards Visa offers: 4 points per $1 on Expedia For TD travel; 3 points per $1 on groceries, dining, and public transit; 2 points per $1 on recurring bills, streaming, and digital gaming/media; 1 point per $1 on all other purchases

Does the TD Rewards Visa have a welcome bonus?

15,152 TD Rewards Points (TD states a $50 Amazon.ca value) after spending $500 in the first 90 days Not available to anyone who closed a TD Rewards Visa in the past 12 months. Welcome offers change periodically — confirm the current amount directly on td.com.

What credit score do I need to qualify for the TD Rewards Visa?

Generally, you’ll want a good credit score to be considered for the TD Rewards Visa. Approval also depends on income and overall credit history, not credit score alone.

Does the TD Rewards Visa charge foreign transaction fees?

2.5% (TD’s standard Visa FX rate; not explicitly listed on this card’s own page — confirm before relying on it)