TD Rewards Visa Card
Annual Fee
$0.00
Interest Rate
19.99%
Balance Transfer
22.99%
Cash Advance
22.99%
Credit Score
Good
Rewards
1.50%*
- Limited Time Offer, must apply by June 2, 2019: Receive 5,000 TD Rewards Points when you keep your Account open, active and in good standing for 90 days after Account opening.
- Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases, and regularly recurring bill payments.
- Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com.
- Earn 1 TD Rewards Point for every $1 you spend on all other purchases
- 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
- You can redeem your TD Rewards Points to shop directly at participating online retailers to pay for the things you want.
- 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. Or, book travel with any other travel provider and redeem any earned TD Rewards Points towards that purchase within 90 days after the purchase date.
- Help pay down your balance: you can also redeem your TD Rewards Points to help pay down your Canadian Credit Card Account balance.
- Receive an annual discount on a Priority Pass membership, your key to 1,200 VIP airport lounges worldwide.
- Save with Avis Rent-A-Car and Budget Rent-A-Car Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Purchase Security and Extended Warranty Protection.
You are a Canadian resident and are of the age of majority in your province/territory of residence
Summary
The TD Rewards Visa Card offers cardholders TD Rewards points on all purchases made with the card, that never expire and can be used on anything from gift cards, merchandise, travel and more.
Earn 2 TD Rewards Points for every dollar spent in grocery, restaurant and fast food purchases, and regularly recurring bill payments, 3 TD Rewards Points for every dollar when you book travel online through ExpediaForTD.com, and 1 TD Rewards Point for every dollar you spend on all other purchases
Our Review
TD Rewards Visa Card
The TD Rewards Visa Card allows holders to earn TD Rewards points on all purchases made with the card, that never expire and can be used on anything from gift cards, merchandise, travel and more. Cardholders can earn 2 TD Rewards Points for every dollar spent in grocery, restaurant and fast food purchases, and regularly recurring bill payments, 3 TD Rewards Points for every dollar when they book travel online through ExpediaForTD.com, and 1 TD Rewards Point for every dollar spent on all other purchases. Cardholders also get a bonus of 5,000 points when they keep their account open, active and in good standing for 90 days after opening it. At no annual fee, you can also receive an annual discount on a Priority Pass membership, as well as discounts on car rentals, purchase protection and extended warranty. There is no travel insurance included, but all in all this card offers quite a lot for no annual fee! If you want to earn travel rewards and perks for no annual fee simply by charging your purchases to your credit card, and if you spend a lot of your budget on grocery, restaurant and fast food purchases, this could be the right card for you.
As per our rating system, this card scored 18/25 on rewards, 16/25 on interest rates and balance transfers, 11/25 on perks and insurance, and 25/25 on annual fees. Therefore, the total smart score of this card is 70/100.
Pros
- No annual fee!
- Limited Time Offer, must apply by June 2, 2019: Receive 5,000 TD Rewards Points when you keep your Account open, active and in good standing for 90 days after Account opening.
- Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases, and regularly recurring bill payments.
- Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com.
- Earn 1 TD Rewards Point for every $1 you spend on all other purchases
- 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
- You can redeem your TD Rewards Points to shop directly at participating online retailers to pay for the things you want.
- 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. Or, book travel with any other travel provider and redeem any earned TD Rewards Points towards that purchase within 90 days after the purchase date.
- Help pay down your balance: you can also redeem your TD Rewards Points to help pay down your Canadian Credit Card Account balance.
- Receive an annual discount on a Priority Pass membership, your key to 1,200 VIP airport lounges worldwide.
- Save with Avis Rent-A-Car and Budget Rent-A-Car Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
- Includes Purchase Security and Extended Warranty Protection.
Cons
- No travel insurance included.
- The rate of returns is not huge, but not bad for a no-fee card.