TD Rewards Visa Card
A solid no-fee TD Rewards earner. The 3x grocery/dining/transit rate is genuinely good; just redeem through Expedia For TD to get full value.
- Annual fee
- None
- Welcome bonus value (full offer)
- ≈ $150 30,310 TD Rewards points on $1,500 in purchases within the first 90 days
- First-year net value
- ≈ $200
- Interest rates
- 21.99% purchases · 22.99% cash advances (Cash-advance rate 21.99% in Quebec.)
Direct issuer link — details verified 2026-07-18
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Standard Score breakdown
PassSix weighted components, each rated 0–10. “Contributes” is the rating × weight — add all six and you get the 5.05/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Travel booked through Expedia For TD | 4x |
| Groceries, dining, transit (first $5,000/year each) | 3x |
| Recurring bills, streaming, digital gaming (first $5,000/year combined) | 2x |
| Everything else | 1x |
Included insurance
Mobile device insurance · Purchase security · Extended warranty
Why it earns its score
- No annual fee with 3x earn on groceries, dining, and transit
- Points don't expire while the account is open, with no travel blackouts
- Generous $5,000-per-category cap on the 3x groceries/dining/transit tiers
Where it loses points
- Base earn is only 1 point per dollar, and points are worth most (~0.5¢) only through Expedia For TD
- Travel medical and trip-cancellation coverage are paid add-ons, not included
- Everyday redemptions (statement credit, Amazon) fetch closer to 0.25–0.33¢ per point
Who it’s for
Anyone who wants a no-fee everyday points card with strong grocery, dining, and transit earn and no income requirement.
Who should skip it
You want maximum point value or transferable rewards — TD Rewards redeem best only through Expedia For TD.
The bottom line
Standard Score 5.0/10 — Pass. We estimate ≈ $200 in first-year net value after the $0 fee.
Direct issuer link — no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
There’s no annual fee, so keeping it costs nothing — the only renewal question is whether a different no-fee card would earn more on your spending. Check the rankings or the card finder if you suspect it would.
Welcome-offer history
We’ve tracked this card’s welcome offer since Jul 19, 2026 and log every change, so you can judge whether today’s offer is genuinely strong or just loudly advertised.
| Offer | Est. value | Recorded | Status |
|---|---|---|---|
| 30,310 TD Rewards points on $1,500 in purchases within the first 90 days | ≈ $150 | Jul 19, 2026 | Current |
Source: issuer card page · Last reviewed 2026-07-18. Details change often — confirm current terms with the issuer before applying.
Was this review useful?