Illustration, not the actual card design.
TD · Earns TD Rewards points
TD Rewards Visa
Annual fee
None
Welcome offer
Up to 15,152 points
Market
Canada · CAD
Biggest part of the offer: Spend $500 in your first 90 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$76
+$76 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 3 benefits with no fixed dollar value, like Avis and Budget rental discount, Mobile Device Insurance and Purchase Security. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 7, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Not available if you activated or closed a TD Rewards Visa account in the last 12 months. If the card isn't activated while this offer runs, TD may switch you to whichever offer is current when you activate.
- 1Spend $500 in your first 90 days15,152 pts≈ $76 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.5¢ per TD Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & RestaurantsUp to $5,000/yr of spend | 3 pts per $ | 1.5¢ |
| TransitUp to $5,000/yr of spend | 3 pts per $ | 1.5¢ |
| GroceriesUp to $5,000/yr of spend | 3 pts per $ | 1.5¢ |
| Recurring BillsUp to $5,000/yr of spend | 2 pts per $ | 1¢ |
| StreamingUp to $5,000/yr of spend | 2 pts per $ | 1¢ |
| Everything else | 1 pt per $ | 0.5¢ |
What else you get
Perks
- Avis and Budget rental discount
At least 10% off base rates in Canada and the U.S. and at least 5% internationally, at participating Avis and Budget locations
Insurance
- Mobile Device Insurance
Mobile device insurance, up to $1,000
- Purchase Security
New items stolen or damaged within 90 days
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by TD. Card and program names belong to their owners.
Details last checked Oct 7, 2026.