td travel account

• Customer Service
• En Español

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

©2016 TD Bank, N.A. All Rights Reserved.

How to use TD Rewards points to reduce travel costs

by Anne Betts | Mar 21, 2024 | Travel Hacking | 5 comments

Updated March 21, 2024

Is the TD Rewards program worth it? How does the program work? What are the various ways to use TD Rewards points to reduce travel costs ? What qualifies as a travel cost?

After several years of earning and redeeming TD Rewards points for travel, I’ve found the program to be beneficial. Here is my review.

Table of Contents

What are TD Rewards Points?

Td rewards credit cards, td first class travel visa infinite card, what are td rewards worth, (i) expedia for td, (ii) book any way, what qualifies as book any way travel, (i) expedia for td, is the td first class travel visa infinite worth it, what i like, what i don’t like.

TD refers to the Toronto-Dominion Bank. TD’s propriety loyalty program is called TD Rewards. The rewards currency is TD Rewards Points. To improve readability, I’ll refer to the points as ‘TD Rewards.’

TD Rewards can’t be converted to any other loyalty currency, or transferred to another loyalty program. It used to be possible to convert TD Rewards to Aeroplan on a product switch to a TD Aeroplan-branded card at a rate of 4:1. However, since April 2019, this is no longer the case.

Points don’t expire as long as your TD Rewards-earning credit card account is in good standing. If you close your credit card account (and don’t have another TD Rewards-earning credit card), you’ll have 90 days to redeem any points left in the account. But, if you lose access to Expedia For TD, they’ll be redeemable at the lower ‘book any way’ value.

As a general rule, points in any in-house program should be redeemed or transferred to another credit card earning the same rewards currency before cancelling or product switching a card.

How to earn TD Rewards

TD Rewards can be earned from a credit card sign-up bonus, through everyday spend on the credit card, and the occasional promotion.

TD offers four credit cards earning TD Rewards:

• TD Platinum Travel Visa Card
• TD Rewards Visa Card
• TD Business Travel Visa Card

TD offers very few points-earning promotions.

The best way to stay abreast of these opportunities is via promotional emails from TD.

For travellers, the best of the three personal credit cards is the First Class Travel Visa Infinite, last overhauled on October 30, 2022.

TD offers promotions on the TD First Class Travel Visa Infinite  with elevated sign-up bonuses. For example a promotion ending March 4, 2024 included an annual fee waiver ($139) in the first year and a sign-up bonus of up to 135,000 points. The current promotion ending June 4, 2024 has a sign-up bonus of up to 100,000 points:

• 20,000 points after the first purchase
• 80000 points after spending $5,000 within 180 days of account opening

According to the terms and conditions, the offer isn’t available to customers who have activated and/or closed a TD First Class Travel Visa Infinite Account in the last 12 months. However, this may or may not be enforced. Also, a product switch from a lower-tier card may be eligible for the full promotional benefits.

The TD First Class Travel Visa Infinite also includes: 

• a birthday bonus of 10% of the points earned in the 12 months preceding the primary cardholder’s birthday (up to a maximum of 10,000 points) 
• an annual TD Travel Credit of $100 each calendar year on certain bookings (hotel, motel, lodging, vacation rental, or vacation package) of $500 or more at Expedia for TD in cash, points, or a combination of points and cash.
• a free Uber One membership for 12 months

The earning rate on the TD First Class Travel Visa Infinite is:

• 8 points per dollar for travel booked online or by phone at Expedia for TD
• 6 points per dollar spent on groceries and at restaurants
• 4 points per dollar on regular recurring payments
• 2 points per dollar on all other purchases

There’s a $25,000 cap on spending at the accelerated rates. After that threshold is reached, the earning rate decreases to the base rate of 2 points per dollar.

At first glance, the earning rate on the TD First Class Visa Infinite looks very attractive. That’s because many reward programs can be redeemed at one cent per point (e.g., 10,000 points = $100). With TD Rewards, the best possible redemption rate is 0.5 cents per point (e.g., 10,000 points = $50).

TD’s in-house travel portal is called Expedia For TD, operated by Expedia.

There are two ways to redeem TD Rewards for travel purchases:

• Expedia for TD
• ‘Book Any Way’

Each has a different redemption value.

For travel booked through Expedia For TD, points are valued at $0.05 (200 points = $1).

For the most part, Expedia for TD mirrors what’s available on Expedia. However, there are gaps in the inventory. Also, some folks have reported higher prices on Expedia for TD, compared to what’s posted on Expedia.

For what it’s worth, that hasn’t been my experience. For example, a search for a specific hotel in Halifax revealed the best price at Expedia when compared with other booking sites.

The (almost) same price for the same property appeared at Expedia for TD.

‘Book Any Way’ covers travel purchased from travel providers other than Expedia For TD. This allows you to book and redeem points for travel products that don’t appear on Expedia. This includes the option to book last-minute deals or discounted travel at prices that are cheaper than what’s listed at Expedia.

However, TD Rewards are valued at $0.04 (250 = $1) on the first $1,200 of a Book Any Way travel purchase. The value increases to $0.05 (200 = $1) for any amount that is over $1,200 on the same  purchase. This is useful for ‘big-ticket’ bookings such as vacation packages or apartment rentals.

Keep in mind that when purchasing from a provider other than Expedia For TD:

• you’re earning x2 TD Rewards Points (instead of x8 at Expedia for TD); and
• you’re redeeming at a lower value of $0.04 (instead of $0.05).

The program has a broad view of what qualifies as travel. Flights, accommodation, cruises, vacation packages (usual stuff) are eligible. Expenses such as theatre tickets, golf fees, resort excursions, restaurant bills, gasoline, taxi fares, and parking may qualify if they’re incurred while travelling.

How to redeem TD Rewards for travel

The most convenient way is to book online by signing in to TD Rewards, and entering the Expedia For TD portal to shop for travel.

When you’re ready to make a decision, one click takes you to your chosen travel product.

Another click takes you to the payment page with helpful pre-populated fields showing the name of the cardholder, credit card, TD Rewards account balance, and its monetary value.

Within moments, an email arrives from Expedia for TD with the booking confirmation and details.  

With the “use points” option, the entire travel purchase, including taxes and fees, will be charged to your credit card. But, because you used TD Rewards Points, you’ll receive a credit on your credit card statement within 5 days after the charge, equal to the number of points used.

For the best return, anything appearing at Expedia should be booked online through Expedia For TD and redeemed in this way. Another option is to book by telephone (at Expedia for TD). The points multiplier of x8 for using Expedia For TD will be earned on each booking. Travel purchases and their respective statement credits will appear as separate line items.

• Make a travel-related purchase using the credit card earning TD Rewards.
• Wait until the charge posts to your credit card account.
• Call TD Rewards within 90 days of the transaction date of the purchase, and ask to have points applied.
• The points will be deducted from your points balance available at the time the points are redeemed, not the transaction date of the purchase.
• The amount credited towards the purchase will be equal to the value of the points redeemed. If there are insufficient points available to cover the entire amount, the remaining cost will be posted on the account for payment.

Both redemption routes (Expedia For TD and Book Any Way) allow payment in any combination of points and cash.

Note: Travel usually delivers the best rate of return. However, TD Rewards can be redeemed for merchandise (at an average of 0.23 cents per point), gift cards (0.25), tuition, or paying down a student loan debt (0.4), or as a credit against your credit card account (0.25). These redemption values are shared with thanks to Credit Card Genius for their research and analysis.

If the following applies to you, I say YES :

• You purchase a considerable amount of travel through Expedia (for TD).
• You’re likely to make a single purchase of $500 or more at Expedia for TD to earn the annual travel credit of $100.

• You like the idea of offsetting a variety of travel costs with various rewards programs.
• You’re not loyal to any particular hotel brand and you use a variety of accommodation that’s bookable through Expedia (for TD).
• You’re able to tap into a fee waiver and decent sign-up bonus.
• You have a TD All-Inclusive Banking Package. This requires a minimum daily balance of $5,000 in your account. It entitles you to a $29.95 monthly fee rebate ($22.45 for seniors aged 60 or older). It includes an annual fee rebate of your choice of one of five select TD credit cards. The TD First Class Travel Visa Infinite is one of the cards. The rebate covers the fees for the primary cardholder and one supplementary cardholder.
• You can make use of the travel insurance benefits.
• You use Expedia sparingly. You don’t use it enough to justify paying the annual fee of $139 (beginning in the second year under a -first-year-free promotion).
• Most of your flights are award bookings using frequent flyer miles or points. When you do purchase a revenue ticket, you book flights directly with an airline because of better service in the event of booking irregularities, flight cancellations, and overbooked flights.
• You’re a member of one or more hotel loyalty programs. You book directly with the respective program to earn loyalty points, status credits, and other benefits.
• The other credit cards in your wallet have superior earning power on everyday-spend categories such as groceries, gas, transit, and dining, and/or earn flexible points that are convertible to other reward programs offering better redemption values.

Is the TD Rewards program worth it?

The TD Rewards program shouldn’t be viewed as a frequent flyer program but one where it’s possible to cut trip costs by redeeming points for miscellaneous travel expenses.   

For a personal credit card, I believe the best of the bunch is the TD First Class Travel Visa Infinite Card. What did I think of TD Rewards and the TD First Class Travel Visa Infinite Card?

• When used exclusively for travel bookings at Expedia for TD, the TD First Class Travel Visa Infinite Card offers an appealing return of 4%. Otherwise, a mixture of earn rates puts the return somewhere between 1% and 4%.
• For the most part, Expedia has a solid reputation. The company carries some weight in the travel world and could be a useful ally if things don’t go as planned with a small, independent tour operator. However, I’d never use Expedia for expensive long-haul flights. Overbooked flights, delays, cancellations, and other disruptions can put passengers in a zone where neither the airline nor the OTA (Online Travel Agency) will provide assistance.
• I like Expedia For TD’s large inventory of accommodation options, including hostels and apartments, at a variety of price points. I’ve also been impressed by the attractiveness of refundable bookings. For example, the same property at Booking might be refundable up to a month out, whereas at Expedia, it might be refundable up until the day before arrival. This limits reliance on trip cancellation insurance.
• TD’s recent overhaul of the TD First Class Travel Visa Infinite that included a $100 annual travel credit is a welcome benefit. It requires a purchase of $500 or more at Expedia for TD once in a calendar year (that is relatively easy to accomplish when booking accommodation). Triggering the credit requires no intervention on a cardholder’s part as as an email and secure message from TD arrives within 48 hours. This effectively reduces the annual fee of $139 to $39, a compelling reason to keep the card.

• There’s also the option to book tours and experiences. Other propriety programs (e.g., AMEX Travel) don’t offer a similar range and variety of travel products.
• I love the online system for booking travel at Expedia For TD, and redeeming points against the purchase. It involves inserting a minimal amount of information, and a few clicks to complete the process. Within seconds, the booking confirmation arrives by email.
• Anything appearing at Expedia for TD is bookable online from anywhere in the world. Expedia For TD’s online booking process is convenient, user-friendly, and efficient.
• The same applies to the online process for changing a reservation or using Expedia for TD’s Virtual Assistant to cancel refundable bookings. Sign in, select the booking, hit the cancel button, and receive notification that the refund will be sent within 48 hours.

• The range of travel expenses redeemable as Book any Way travel is impressive.
• With the accelerated earn rate of 6 points per dollar resulting in a 3% return on groceries and dining, I’ve appreciated having the TD First Class Travel Visa Infinite Card in my wallet at restaurants that don’t accept American Express (Cobalt and Scotiabank Gold cards that both earn x5 points on dining). 
• TD has a no-fee credit card (TD Rewards Visa Card) that earns TD Rewards. This presents an option to product switch from the TD First Class Travel Visa Infinite (or any other credit card earning TD Rewards) to protect your points and keep a TD Rewards account active.
• TD has a generous approach to product switches that encourage clients to try different credit card products. Some switches provide access to full promotional benefits. In addition, there are cases where clients have been able to hold more than one TD First Class Travel Visa Infinite Card at the same time.
• For credit card cancellations and product switches, TD offers prorated refunds of annual fees.
• The TD All-Inclusive Banking Package presents an option to obtain an annual fee rebate.
• TD’s EasyWeb account management system is efficient and user friendly. After product switching or applying for a new TD credit card, I’ve had the card, with the credit card number, appear in my account within a few hours. On a product switch, the ‘switched-from’ card can be used the following business day to earn points in the ‘switched-to’ card’s rewards program. This is handy to start working on the new card’s Minimum Spend Requirement without having to wait for the new card to arrive by mail.    
• There will be others who don’t agree but in my opinion, of the ‘big five,’ TD has the best customer service. For the most part, I’ve found Customer Service Representatives to be helpful, patient, and well informed. Those I’ve dealt with have been more than willing to follow up on requests, listen to, and consider, my interpretation of terms and conditions when it differs from theirs, and seek information from advisors and supervisors.
• To extract maximum value on travel purchases and redemptions, customers need to use Expedia For TD. When purchasing travel from other providers (at an earn rate of 2 points per dollar), and redeeming points using ‘Book any Way’ at the lower redemption value, each point is valued at only 0.8 cents (or 0.8% return).
• At the present time, the program doesn’t have a flight rewards chart where it could be possible, as with other reward programs, for members to extract greater value when redeeming points for flights. For example, the CIBC Rewards (Aventura) Flight Reward Chart offers the potential of a 2.2% return.
• For more information on the CIBC Rewards program, see When travelling the world on miles and points, is the CIBC Aventura program worth it?
• Expedia for TD’s Virtual Assistant works well on uncomplicated bookings such as obtaining a refund before the fully refundable date. However, in the case of complications, the Virtual Assistant is hopeless. For example, in Warsaw, the guide on a scooter tour was a no-show on the day of the tour (so it was past the refundable period) and trying to get the Virtual Assistant to retrieve the booking was impossible, despite inserting my answers to each question asked.    
• As a rewards currency, TD Rewards has limited value. It’s not convertible to any other program, and it has a fixed maximum value of $0.05 per point.
• While obtaining a fee rebate is an attractive proposition, doing so on a TD Aeroplan-branded credit card might make more sense for Aeroplan account holders. Aeroplan is capable of delivering much greater value than TD’s fixed-value system.
• I’m not fond of having two-tiered redemption values for travel purchases. Other in-house programs such as Scene+ make no distinction between travel booked through the program’s travel portal, and that from another provider. Redemption values are the same.
• For more information on the Scene+ program, see What’s the best use of Scene+ when travelling the world on miles and points?
• If a customer has two credit cards earning TD Rewards, it’s possible to merge the points into one account but it must be done by an agent. Unlike other programs such as RBC Avion, it can’t be done online. And disappointingly, fewer than 10,000 TD Rewards cannot be moved from one account to the other. 
• The TD First Class Travel Visa Infinite Card doesn’t stand out among its competitors. It’s competing with travel credit cards that offer lounge membership and complimentary passes, companion/buddy passes, NEXUS fee rebates, free checked baggage, concierge services, and no FX (foreign exchange) fees. However, as mentioned earlier, the annual $100 travel credit helps fill a much-needed gap in its attractiveness as a travel credit card.
• The insurance benefits are on par with other premium credit cards. Personally, I’ll never use them. For emergency medical insurance, an annual multi-trip plan from an insurer of my choice is a better fit for my age and travel style. The trip cancellation/interruption doesn’t apply because a covered trip is one where “the full cost has been charged to Your Account and/or using Your TD Points.” Like many other travellers, my trips are funded from a variety of sources using a mixture of miles, points, and cash.
• It’s both a blessing and a curse but I’ve been surprised by the types of charges flagged by TD’s fraud detection program. This results in a rejection of the charge and a freezing of my credit card until it’s sorted.

The fact that TD has hitched its rewards wagon to Expedia makes it an interesting proposition. I’m impressed with Expedia For TD’s online portal for booking and redeeming points for travel (and changing a reservation or cancelling via the Virtual Assistant), and the First Class Travel Visa Infinite’s x8 points multiplier on Expedia for TD bookings. For heavy Expedia users, it’s an attractive addition to a credit card portfolio.

I’ve been impressed by recent promotional offers with annual fee waivers and sign-up bonuses of up to 135,000 points. It demonstrates that TD is interested in attracting new customers. To keep them, TD could be more creative with additional travel benefits. Reinstating the option for cardholders to convert TD Rewards to Aeroplan would be a welcome start.

TD needs to increase the value of Book-any-Way redemptions, and introduce an online system for applying points against those purchases. While the Scene+ coding system for travel purchased from other providers isn’t perfect, their system is capable of presenting the vast majority of travel purchases to users for redeeming points online. TD needs to craft an online redemption system that’s as user-friendly as their booking system.

As a fixed value program, TD Rewards can’t match the value achievable with programs such as Aeroplan, British Airways’ Avios, and other frequent flyer programs. But, with the extensive inventory of travel products bookable at Expedia For TD, and the range of travel expenses redeemable as Book any Way travel, it can certainly occupy a very useful secondary corner of a diversified miles-and-points portfolio.  

If you found this post helpful, please share it by choosing one of the social media buttons. Also, what do you think of the TD Rewards program? Please add your thoughts in the comments. Thank you.

Might you be interested in my other miles-and-points posts?

• What’s the best use of Scene+ if travelling the world on miles and points
• When travelling the world on miles and points, is the CIBC Aventura program worth it? 
• Is a no-FOREX-fee credit card always the best choice for international travel?
• What is the best credit card for trip cancellation, trip interruption and flight delay insurance for trips on points?
• Lounge and flight review of United Airlines’ Polaris experience
• Why the Best Western loyalty program is good for travellers
• Is the BMO Air Miles World Elite MasterCard a good deal?
• Finding Aeroplan flights: a step-by-step guide
• Travel the world on miles and points by meeting Minimum Spend Requirements

Pin for later?

I’m curious if the prices are jacked a bit through the TD Expedia site. For example, I looked at the Park Lane Hotel in Manhattan. For a five night stay in a 1 Queen Bed City View room, , TD Rewards Expedia site said it would be $2222.97, all taxes, fees all in. Looking at the same room through hotels.com or Trivago, I got the same room, all in price of $1723.72/$1743 respectively. When I apply my current Rewards amount of $836 against the $2222.97, I’m left paying $1386.97, which is only around $336 less, even though I used $836! Is Expedia always more expensive? I looked at more than a few other hotels and they are all much cheaper on hotels.com and Trivago.

Thanks for dropping by. While I never experienced price differences between Expedia and Expedia For TD, some people have reported differences, both in inventory and prices. I’ve just done a search for a five-night stay at the Park Lane Hotel in Manhattan (October 12 to 17) and found the same price at Expedia, Hotels and Booking. I couldn’t access Expedia for TD as I no longer have a TD Rewards credit card. Each of the three sites showed a regular price of $466/$468 and a discounted price of $372 for a total price of $1860. It sounds as though Expedia for TD hasn’t adjusted the regular price yet. What I would do is call Expedia for TD and ask them to match the Expedia price (if that’s what you find for your dates on expedia.ca). Good luck!

Excelent article!

Can you clarify when you got the $100 credit? The “in a calendar year” part confuses me. If I booked accommodations via ExpediaForTD over $500 for the first time this year (March 2023), will I get the $100 travel credit right away? within this year? or Jan 2024?

Trackbacks/Pingbacks

• Why the Best Western loyalty program is good for travellers - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• 25 Tips on earning Aeroplan miles - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• What’s the best use of Scotia Rewards? - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Lounge and flight review of United Airlines’ Polaris experience - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Minimizing Aeroplan taxes, fees and surcharges - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• What is the best credit card with trip cancellation, trip interruption and flight delay insurance for trips on points - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Finding Aeroplan flights: a step-by-step guide - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Is the BMO Air Miles World Elite MasterCard a good deal? - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Is a no-FOREX-fee credit card always the best choice for international travel? - Packing Light Travel - […] Travelling the world on miles and points. Is the TD Rewards program worth it? […]

Submit a Comment Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Search this site

Welcome to Packing Light Travel. I'm Anne, a dedicated carry-on traveller. For information on the site, please see the About page.

Book: The Ernie Diaries

Packing Light

Join the mailing list for updates, and access to the Resource Library.

You have Successfully Subscribed!

Connect on instagram, if you find this information useful, subscribe to the newsletter and free access to packing lists, checklists, and other tools in packing light travel's resource library..

Your email address will never be shared. Guaranteed.

Pin It on Pinterest

Expedia For TD: How To Redeem TD Rewards Points?

Expedia is one of the largest online travel booking websites used in the world. Expedia offers its services to customers of various institutions in Canada, such as TD.

For example, TD customers can use the Expedia for TD portal to use their TD Rewards points for travel.

Difference between Expedia.ca and ExpediaforTD.com

Expedia and Expedia for TD are similar platforms: you will find the same prices for the same types of travel. You will be able to book a flight, a hotel room or rent a car.

However, Expedia for TD is only available to selected TD Rewards credit cardholders . Through the Expedia for TD platform, you can redeem your TD Rewards points for travel. There are no blackout dates or restrictions.

While Expedia.ca has its own program: Expedia Rewards .

Which travel to book on Expedia for TD

With Expedia for TD, you can book:

• Vacation packages
• All-inclusive vacation
• Hotel nights
• Rental cars

Don’t forget to use the TD First Class Travel ® Visa Infinite* Card to benefit from travel insurance . And to earn more TD Rewards points!

How to redeem points with Expedia for TD

Redeeming TD Rewards points through the Expedia for TD portal is easy:

• Log in to Expedia for TD
• At the top right, you will see the number of TD Rewards points available and the redeemable value in dollars
• Choose the trip that suits you

At checkout, choose to use your TD points. The text in the green square will tell you the amount and points required. Each 200 points reduces the cost of the trip by $1 .

You can also complete the payment with your credit card if you do not have enough TD Rewards points available.

There you go ! Congratulations on your TD Rewards points savings. We love it!

How to redeem TD Rewards points with Book Any Way Travel

On the TD Rewards page , log in to your profile.

Then, in the Redeem section, click on Book Any Way Travel .

On the next page, click on Redeem your TD Points now .

Enter the requested travel transaction information, then click Next.

The trip must have been purchased within the last 3 months .

You’ll need to confirm the operation and select the number of points to redeem. Each 250 TD Rewards points reduces your bill by $1.

You may receive an error when making this exchange of Book Any Way Travel. Call Customer Service at 1-800-983-8472.

How to earn TD Rewards points

To use the Expedia for TD portal, you must be a TD credit cardholder participating in the TD Rewards program.

For example, with the TD First Class Travel MD Visa Infinite* Card, you can earn 8 TD Rewards points per dollar when you book travel through Expedia for TD.

Another way is to use this practical card for everyday purchases:

• 6 points / $1 for your grocery and restaurant purchases
• 4 points / $1 for recurring bill payments made to your account
• 2 points / $1 for all other purchases

$ 100 TD Travel Credit for hotel, lodging or vacation packages

Plus, with the TD First Class Travel ® Visa Infinite* Card , you’ll receive a $100 TD travel credit on your first eligible travel purchase between January 1 and December 31 of each year.

On January 1, the $100 credit becomes available again. However, it does not accumulate from year to year if not used.

A purchase eligible for travel credit includes :

• the purchase of a stay at a hotel, motel, tourist accommodation or vacation rental of $500 CDN or more through Expedia for TD; or
• the purchase of a vacation package of $500 CAD or more from Expedia for TD, which includes hotel, motel, tourist accommodation or vacation rental and transportation.

All that matters is that $500 or more (in a single transaction) must be charged to the TD credit card, including fees and taxes . Then, 2 to 3 days later, you’ll receive an e-mail from TD confirming the application of the $100 travel credit.

Then the travel credit will simply appear in your account!

Here are the top three TD credit cards that earn TD Rewards points:

• TD First Class Travel ® Visa Infinite* Card

With the TD First Class Travel® Visa Infinite* Card , you can earn up to 100,000 TD Points † and a first year annual fee rebate :

• Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card †
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• A Birthday Bonus of up to 10,000 TD Rewards Points †

Get an Annual Fee Rebate for the first year † .

With the TD First Class Travel® Visa Infinite* Card , you get:

• 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD
• 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• 2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

• TD Platinum Travel Visa* Card

With this new welcome offer for the TD Platinum Travel Visa* Card , you can get up to 50,000 TD points and a first-year annual fee rebate :

• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card † .
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening † .

There is no minimum income requirement for this TD credit card.

• TD Rewards Visa* Card

You can earn 15,152 TD Rewards points with the TD Rewards Visa* Card for a limited time. It’s worth about $50 on Amazon.ca .

With the TD Rewards Visa* Card , you earn:

• 4 TD Rewards Points for every $1 you spend when you book travel through Expedia ® For TD †
• 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
• 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account †
• 1 TD Rewards Point per dollar on other purcases †

The TD Rewards Visa* Card has no annual fee and comes with Purchase Security and Extended Warranty Protection.

Frequently asked questions about Expedia for TD

What is expedia for td.

Expedia for TD is TD’s travel booking platform. This site is reserved exclusively for TD credit cardholders.

How does Expedia for TD work?

Expedia for TD is similar to any other travel booking website. You can pay for your trip with your credit card and/or with your TD Rewards points.

How do I use my TD Rewards points to book through Expedia for TD?

To find out how many TD Rewards points you have before booking with Expedia for TD, check your TD online statement. You can also track your points on the TD Rewards portal.

What is the value of a TD Rewards point?

One TD Rewards Point is worth 0.5 cents .

On Expedia for TD, you can use your TD Rewards points in increments of 200 points for a value of $1.

Which TD credit cards are available in Canada for Expedia on behalf of TD?

Many TD credit cards allow you to earn TD Rewards points and book travel through Expedia for TD :

• TD Business Travel Visa* Card

How do I contact Expedia for TD by phone?

You can call Expedia for TD at 1-877-222-6492.

If you would like to book a cruise with Expedia for TD, please call 1-800-707-7327.

All posts by Jean-Maximilien

Suggested Reading

• Book Travel
• Credit Cards

The Beginner’s Guide to TD

TD is one of Canada’s largest and most popular banks, offering a range of products and services through in-person and online banking.

In This Post

A brief history of td, chequing and savings accounts, td credit cards, td banking app, frequently asked questions.

Toronto Dominion (TD) Bank was created on February 1, 1955, as an amalgamation of The Bank of Toronto and The Dominion Bank.

Over the past seven decades, TD has continued to grow in both size and in the diversity of its offerings.

Beginning with 499 branches at the time of amalgamation, TD now has over 2,200 branches and is currently the second largest bank in Canada and the tenth largest bank in the US.

Key Dates in TD History:

• 1855 – The Bank of Toronto was founded
• 1871 – The Dominion Bank opened its first branch
• 1955 – TD was created through the amalgamation of The Bank of Toronto and The Dominion Bank
• 2000 – TD purchases Canada Trust, expanding its market share in Canada
• 2005 – TD acquires Banknorth, marking its major entrance into US retail banking
• 2011 – TD acquires MBNA Canada’s credit card business

TD has four personal chequing accounts and three personal savings accounts, which we’ll go over in this section.

When considering which type of account to open, it’s important to think about your banking priorities and preferences, and how you tend to use and access your account.

TD also often has promotional offers when you sign up for a specific account or multiple accounts together that can garner you a cash bonus, higher interest rates on savings, and other perks (e.g., merchandise).

Chequing Accounts

Chequing accounts are the best day-to-day account as they tend to offer more monthly transactions and lower fees compared to savings accounts. Plus, they often come with perks such as free Interac e-transfers and rebates on credit card annual fees .

To learn more, let’s take a look the key characteristics of each of TD’s personal chequing accounts from the simplest to the most comprehensive:

TD Minimum Chequing Account

• Monthly fee: $3.95 (all figures in CAD)
• Included transactions: 12 (additional transactions = $1.25/each)
• Interac e-transfers: $0.50/each (for transactions up to $100) and $1/each (for transactions above $100)
• ATM fees: $2 for non-TD ATMs in Canada, $3 for foreign ATMs in the US and Mexico, and $5 for foreign ATMs in any other country
• Fee waivers: Fees waived for seniors receiving the Guaranteed Income Supplement (GIS) and for Registered Disability Savings Plan beneficiaries
• Best for: Individuals with minimal banking needs

TD Every Day Chequing Account

• Monthly fee: $10.95 (waived if a $3,000 account balance is maintained)
• Included transactions: 25 (additional transactions = $1.25/each)
• Interac e-transfers: Free
• Fee waivers: None
• Best for: Individuals who make fewer than 25 transactions per month

TD Unlimited Chequing Account

• Monthly fee: $16.95 (waived if a $4,000 account balance is maintained)
• Included transactions: Unlimited
• ATM fees: $0 for all ATMs in Canada, $3 for foreign ATMs in the US and Mexico, and $5 for foreign ATMs in any other country
• Fee waivers: First year annual fee rebate for an eligible TD credit card
• Best for: Individuals who want the freedom of unlimited transactions and who can take advantage of the credit card fee rebate

TD All-Inclusive Banking Plan

• Monthly fee: $29.95 (waived if a $5,000 account balance is maintained); $22.45 for seniors over the age of 60
• ATM fees: $0 for all ATMs globally
• Fee waivers: Yearly annual fee rebate for an eligible TD credit card
• Additional features: A small safety deposit box (subject to availability) and free personalized cheques
• Best For: Individuals who often use non-TD ATMs and those who can take advantage of the annual credit card fee rebate and the additional product perks

Savings Accounts

TD also offers three savings accounts for clients looking to build their savings while still having easy access to their funds.

Let’s explore these three accounts and what makes each one unique.

TD Every Day Savings Account

• Monthly fee: $0
• Annual interest rate: 0.010%
• Included transactions: One (additional transactions = $3/each)
• Transfers: Free to other TD deposit accounts
• Best For: Individuals looking for a simple place to start saving

TD High Interest Savings Account

• Annual interest rate: 0.050% when account balance is $5,000 or higher; 0% when account balance is below $5,000
• Included transactions: Zero (transactions = $5/each, which is waived if a $25,000 account balance is maintained)
• Best for: Individuals looking for an easy-to-access savings account

TD ePremium Savings Account

• Annual interest rate: 1.85% when account balance is $10,000 or higher; 0% when account balance is below $10,000
• Included transactions: Zero (transactions = $5/each)
• Best For: Individuals who can maintain an account balance of $10,000 or higher

Additionally, for individuals who have newly immigrated to Canada, TD has created a special offer called the TD New to Canada Banking Package .

This offer provides a variety of different financial incentives when you open specific chequing and savings accounts, plus additional rewards-based incentives when you sign-up for a specific credit card.

Student Bank Accounts

TD offers one account specifically for youth (under the age of 23) and students (of any age) who are enrolled in full-time post-secondary education: the TD Student Chequing Account.

TD Student Chequing Account

• Best for: Individuals who are under the age of 23 or who are enrolled in a full-time post-secondary program

Additionally, TD has created a special offer for young students who are new to Canada: the International Student Banking Package .

This package combines the TD Student Chequing Account, the TD Rewards Visa* Card, and the TD Every Day Savings Account and provides additional value to eligible account holders through Amazon gift cards and cash bonuses.

For new students looking to get started in Canada, this package provides both essential products and excellent added value.

US Dollar Accounts

TD has two US dollar accounts available: the US Daily Interest Chequing Account and the Borderless Account.

These accounts are ideal for people who have banking needs in both Canada and the US as they allow you to easily exchange funds between the two countries at a competitive rate.

The US Daily Interest Chequing Account has no monthly fee, making it an excellent account if you find yourself occasionally in need of banking access in the US.

Comparatively, the Borderless Account has a monthly fee of $4.95 (USD) which is waived if the account balance is $3,000 (USD).

This account enjoys a preferred exchange rate and provides account holders with free US bank drafts and basic cheques. These features make it ideal for frequent travellers to the US.

TD offers its clients a range of personal credit cards that provide the opportunity to earn cash back, Aeroplan points, and TD Rewards Points .

Cash Back Credit Cards

TD offers two cash back credit cards: the TD Cash Back Visa Infinite* Card and the TD Cash Back Visa* Card .

These credit cards are ideal for people who like the simplicity of cash back rewards, which can be used to pay down your account at any time with a minimum of $25.

For an entry-level card, the TD Cash Back Visa* Card has no annual fee and earns 1% cash back on eligible grocery, gas, and recurring bill payments.†

• Earn 1% cash back † on eligible grocery and gas purchases, as well as recurring bill payments set up on your account †
• Then, earn 0.5% cash back † on all other eligible purchases †
• No minimum income requirement
• Annual fee: $0

Comparatively, the TD Cash Back Visa Infinite* has an annual fee of $139 but offers 3% cash back on eligible grocery, gas, and recurring bill payments.†

• Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
• Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
• Free Deluxe TD Auto Club Membership for roadside assistance †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $0 for the first year † , then $139
• Application must be approved by June 3, 2024 to receive this offer

We’ve created individual in-depth guides to both of these cash back credit cards, where you can find up-to-date offers and enrollment information – just click above to learn more.

Aeroplan Co-Branded Credit Cards

For individuals looking to earn points with Canada’s most popular and powerful airline loyalty program, TD offers three personal credit cards that earn Aeroplan points on everyday spending.

The three cards are: the TD Aeroplan Visa Platinum* Card , TD Aeroplan Visa Infinite* Card , and the TD Aeroplan Visa Infinite Privilege* Card .

These cards are great choices for Aeroplan members looking to build up their points account balance to access award flights, as each card comes with a welcome bonus and earns Aeroplan points on everyday spend.

The entry-level member of the TD Aeroplan co-branded card family is the TD Aeroplan Visa Platinum* Card. This card often features a generous welcome bonus and comes with a few Air Canada perks.

This is a great card to consider if you have a more modest income or want to keep costs down while still earning points towards travel.

• Earn  10,000 Aeroplan points † upon first purchase †
• Plus, earn 10,000 Aeroplan points † upon spending $1,000 in the first three months
• Earn 1x Aeroplan points† on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred pricing on Air Canada ® flights through Aeroplan †
• Annual fee: $89, rebated in the first year †
• Application must be approved by September 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite* Card is the next level up in TD’s Aeroplan credit card family.

Much like its Platinum counterpart, this card often comes with a nice welcome bonus, and it also offers cardholders one free checked bag on Air Canada flights and a fee rebate for your NEXUS application.†

This card is a good choice for individuals who travel often and can take advantage of the related perks.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 20 ,000 Aeroplan points † upon spending $6,000 in the first 180 days of account opening †
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points †  when you spend $10,000 within 12 months of account opening †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bags on Air Canada ® flights †
• Annual fee: $139

The third card in the TD Aeroplan family is the TD Aeroplan Visa Infinite Privilege* Card. Of TD’s three Aeroplan credit cards, this one will come with the highest welcome bonus and the most valuable perks.

This card is ideal for individuals who don’t mind paying the high annual fee and for Air Canada frequent flyers who can maximize the utility of the associated travel benefits, including eUpgrade/Status Qualifying Miles rollover and unlimited Maple Leaf Lounge access.

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 40,000 Aeroplan points † upon spending $10,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points † when you spend $15,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

Check out our in-depth guides for these three Aeroplan cards to learn about up-to-date offers and enrollment information – just click the card names above.

TD Rewards Credit Cards

TD offers three credit cards that earn TD Rewards Points on everyday spending. TD Rewards is the bank’s own rewards program, allowing clients to earn points that can be used for travel, statement credits, and gift cards.

The three TD Rewards cards are the TD Rewards Visa* Card , the TD Platinum Travel Visa* Card , and the TD First Class Travel Visa Infinite* Card .

TD Rewards Points are particularly valuable when redeemed for travel booked through Expedia® for TD, the bank’s online travel portal operated in partnership with Expedia®.

The TD Rewards Visa* Card is this credit card family’s entry-level offering and offers the opportunity to earn TD Rewards Points on everyday purchases with zero annual fee.†

This is a great card for individuals who are looking for a straightforward, low-cost card that lets them earn towards flexible future travel.

• Earn 15,152 TD Rewards Points† upon keeping your account open for 90 days †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †

The TD Platinum Travel Visa* Card is the mid-level card of the TD Rewards credit card family, and new cardholders usually have the opportunity to earn a welcome bonus in the first few months of card membership.

This card also offers elevated TD Rewards Points earning rates, making it a good card for individuals looking to build up their points balance faster.

• Earn  15,000 TD Rewards Points upon first purchase †
• Earn 35,000 TD Rewards Points upon spending $1,000 in the first 90 days †
• Plus, earn 6x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Earn  4.5x TD Rewards Points † on eligible grocery and restaurant purchases †

The TD First Class Travel Visa Infinite* Card is the premium card offering in the TD Rewards credit card family.

This card often features a generous welcome bonus and a first-year annual fee rebate.

Cardholders will also enjoy excellent earning rates for TD Rewards Points and a $100 accommodations/vacation credit that can be used when booking at least $500 worth of eligible travel through Expedia® for TD.†

This card is a good choice for individuals who are looking to quickly accumulate TD Rewards Points and who can make use of the $100 accommodations/vacation credit.

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  80 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Annual fee: $139, rebated for the first year †

Click on the credit card names above to access our in-depth guides for the up-to-date offers and enrollment information for the three TD Rewards credit cards.

Low-Rate Credit Cards

TD offers one low-rate credit card in the TD Low Rate Visa* Card .

This card is a good choice for someone who often needs to carry a balance on their card and would benefit from the lower annual interest rate of 12.90%.

This card also often offers promotional interest rates for a set number of months, allowing new cardholders to make bigger or unexpected purchases without incurring as much interest.

TD has an app available for both Apple iOS and Android.

Within the app, clients can access their chequing, savings, credit, and investment accounts. They can move money between these accounts, pay bills, and deposit cheques (by taking a photo of the cheque).

Clients can also send and request money within Canada via Interac e-transfer or to 200+ countries using TD Global Transfer.

Within the app, clients can also keep their debit and credit cards secure with the ability to lock a card if it is misplaced, lost, or stolen. They can then easily unlock the card in the app once it has been found.

If you’re new to the app, TD also provides some very helpful tutorials on their website to help you learn all about the different features.

TD is the second largest bank in Canada, with over 1,000 branches across the country.

TD offers a range of bank accounts, credit cards, and additional products designed to suit a myriad of different client types.

Whether you’re a student, a newcomer to Canada, or someone perusing new banking options, TD’s diversity of offerings are certainly worth exploring.

What do I need to open a TD bank account?

To open a TD bank account, you’ll need your personal information including full name, birthdate address, phone number, and email address.

Additionally, you’ll need to provide two valid forms of identification, and if the bank account you plan to open will earn interest, you’ll also need to provide your Social Insurance Number for tax reporting purposes.

Valid forms of identification can include a Canadian driver’s license, health card, or passport, Canadian birth certificate, Old Age Security card, Certificate of Indian Status, citizenship certificate, permanent resident card, and more.

You can learn more about the ID requirements from the Financial Consumer Agency of Canada’s website. (https://www.canada.ca/en/financial-consumer-agency/services/banking/opening-bank-account.html)

What do I need to open a TD credit card?

To open a TD credit card, you’ll need your personal information including full name, birthdate, address, phone number, and email address.

Different credit cards will have different requirements, and for some credit cards you will be required to provide additional financial information such as your employment status (past and present) and your income.

How do I contact/access TD?

There are multiple ways to contact/access TD in Canada.

Information about TD and their personal banking products and services can be found on the TD website .

If you are already a TD client with either a personal bank account or personal credit card, you can sign in to your account on your computer and use the EasyWeb Messaging feature on the website to message with a live agent between the hours of 9am and 11pm Eastern Time Monday to Friday and between 10am and 7pm Eastern Time on Saturday and Sunday.

Alternatively, you can sign in on the TD App and select Contact Us from the menu, followed by Call Us. This will connect you with a live phone agent during business hours as long as you’re physically in Canada.

You can also reach out by telephone:

• For bank accounts, you can call 1-866-222-3456 (English) and 1-800-895-4463 (French)
• For credit cards, you can call 1-800-983-8472 (options for French and English), 1-877-233-5558 (Cantonese), and 1-877-233-5844 (Mandarin)

If you’d prefer to speak to someone in person, you can walk in to your local TD branch, or you can first make an appointment online .

Prince of Travel is Canada’s leading resource for using frequent flyer miles, credit card points, and loyalty programs to travel the world at a fraction of the price.

Join our Sunday newsletter below to get weekly updates delivered straight to your inbox.

Have a question? Just ask.

Business Platinum Card from American Express

120,000 MR points

American Express Aeroplan Reserve Card

85,000 Aeroplan points

American Express Platinum Card

100,000 MR points

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Latest News

Air Canada Pauses Changes to Seat Selection Policy at Check-In

News Apr 26, 2024

Amex Aeroplan Reserve Status Offer: Earn Extra eUpgrades and SQM

Deals Apr 25, 2024

Guides Apr 24, 2024

Recent Discussion

Christopher, canada’s 10 best overall credit cards, aeroplan elite status: guide to qualifying and privileges, prince of travel elites.

Points Consulting

• Small Business
• Investing & Wealth

Open Your 18 Month TD Choice Promotional CD Online

Would you like to add another account.

Save time with one application.

TD Beyond Checking

Most perks : Get the best of the best – an account loaded with benefits

View account guide

• Monthly fee: $25 or $0. You can waive your monthly fee in 3 ways, including with direct deposits 1
• No ATM fees 2 with a $2,500 minimum daily balance
• Earn interest:  Get more from your everyday balance

No thanks, open an 18 Month TD Choice Promotional CD only

Important Disclosures

1 Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

2 Non-TD ATMs: For TD Beyond Checking accounts, TD fees waived regardless of balance, and non-TD fees, including any surcharges at the time of your transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking account is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

Have a question? Find answers here

Popular questions, helpful related questions, did you find what you were looking for.

Sorry this didn't help. Would you leave us a comment about your search?

See you in a bit

You are now leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

Stay flexible with free cancellation

Enjoy booking flexibility and filter your search by free cancellation when booking a stay in case your plans change.

Why is it important to have travel flexibility?

At Expedia For TD, we don't want customers to be left without options. It's important to us that customers are able to change their plans. Situations around the world change quickly, and sometimes that means postponing or changing our travel plans. As long as you make sure that you book with the option of free cancellation, you'll be protecting your wallet. To learn more about our policies, visit our Customer service portal .

Cleaning and Safety Practices

Explore a property’s amenities when booking your next stay to see the enhanced cleanliness , social distancing and safety measures & precautions the property is taking to ensure your health & safety.   

Why Book with Expedia For TD

Terms and Conditions: 

1 Limited time promotional campaign offer ("Offer")– This offer starts on November 16, 2023 and ends on November 29, 2023 ("Offer Period") and is only available to those cardholders of TD First Class Travel® Visa Infinite*, TD Platinum Travel Visa*, TD Rewards Visa* and TD Business Travel Visa* credit cards who have an account that is open, active and in good standing ("Eligible TD Card Accounts") and use it to make a Qualified Booking (described below) during the Offer Period. This Offer is only valid for new online bookings made with Expedia For TD during the Offer Period with travel completed by December 31, 2024 ("Qualified Booking"). Discounted amount may vary by property or room. Offers are subject to availability and may be discontinued without notice. Minimum stay may be required and blackout periods may apply. Prices are updated regularly and are accurate when published. Subject to supplier availability. Please click through to individual deals to confirm price, availability, and applicable terms and conditional for these deals. Additional restrictions may apply.

2 TD First Class Travel Visa Infinite Cardholders earn 8 TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Travel Visa Cardholders earn 6 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Visa Cardholders earn 4 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Visa Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 TD Points and TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points and TD Rewards Points must be redeemed in minimum increments of 200 or 250-points as fully explained in the Cardholder Agreement and Benefit Coverages Guide for your Card. We can decrease the required minimum point redemption increment at any time.

4 Expedia's Price Guarantee applies to hotel bookings made via the ExpediaForTD.com website or by telephone via Expedia For TD's call centre and are pre-paid to Expedia For TD at the time of booking. To take advantage of Expedia’s Best Price Guarantee, you must submit a claim online at Expedia For TD within the eligibility period of booking. The claim will be reviewed and in the unlikely event that you find a lower price (including all applicable taxes and fees) for the same booking on Expedia For TD or on a Canadian-based website within the eligibility period of booking with ExpediaForTD.com, Expedia will credit or refund to you the difference. For the full Terms and Conditions of Expedia's Price Guarantee, visit https://www.expediafortd.com/price/guarantee/info .