François CharronPowered by Milesopedia

Pros & Cons

Pros

  • +Welcome Bonus: 30,310 points
  • +Up to 3x on Restaurants
  • +Purchase protection included

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

With the TD Rewards Visa* Card, you can earn TD Rewards points on your everyday purchases, such as groceries, dining out, bill payments, public transit, streaming services, or travel bookings.

You can earn 30,310 TD Rewards points, a value of $100 on Amazon.ca, when you spend $1,500 within 90 days of account opening.

  • Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases
  • Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media
  • Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your card also allows you to redeem your TD Rewards points for a wide variety of rewards, including through ExpediaMD for TD, at Starbucks®, and on Amazon.ca with the Amazon Shop with Points program. Conditions Apply.

  • Mobile Device Insurance of up to $1,000 if you lose or damage your phone
  • No blackout dates, no seat restrictions, and your TD Rewards points never expire as long as your account remains open and in good standing.
  • Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks® locations. Conditions Apply.

Rewards

All Spending

1x

TD Rewards pts per dollar

Restaurants

3x

Groceries

3x

Transit

3x

Recurring

2x

Streaming

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.25¢1.5¢
Groceries3x
$700/month
Gas & EV1x
$200/month
Transit3x
$100/month
Restaurants3x
$300/month
Pharmacy1x
$50/month
Travel1x
$150/month
Bills & recurring payments2x
$250/month
Telecom1x
$150/month
Entertainment & streaming2x
$100/month
Office supplies1x
$0/month
All other spending1x
$500/month

Points Earned

60,600

TD Rewards/yr

Estimated Value

$303

After Fees

+$303

1st Year Value

$455

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 3x3,600 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year2.02x
Average earn rate on spend 1st year with welcome bonus3.03x
Total points earned on spend60,600 pts
Welcome bonus points+30,310 pts
  • Earn 30,310 TD Rewards after $1,500 in purchases in 3 months
Total points earned90,910 pts
Value of accumulated points$455

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Mobile Device

Up to $1,000

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

Earn a value of $100 in TD Rewards Points to use on eligible Amazon.ca purchases, with no Annual Fee. Conditions Apply.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.