td business travel visa rewards

TD Business Travel Visa* Card review

• Rates & Fees

9 Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com

6 Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills

2 Earn 2 TD Rewards Points for every $1 spent on all other purchases.

50% Earn 50% more TD Rewards Points at Starbucks when you link your card with your Starbucks account.

$149 Annual Fee Waived in the first year. Additional cards: $49

19.99% Purchase APR

22.99% Cash Advance APR

2.50% Foreign Transaction Fee Earn 6 TD Rewards Points for every $1 on Foreign Currency purchases

Very Good Recommended Credit Score

By Tyler Wade

Updated: March 26, 2024

Play article   

(    mins)

(    )

The TD Business Travel Visa* Card is a powerhouse for Canadian businesses, especially if you love to (or have to) travel. With a slew of benefits, from high rewards rates on Expedia bookings to comprehensive insurance coverage, it's a card that demands attention. But like all cards, it's not without its drawbacks. Let's dive deep and see if this card is the right fit for you.

Pros and cons

High rewards rate : Earn up to 9 TD Rewards Points per $1 on travel bookings through ExpediaForTD.com.

Flexible redemption : No blackout dates or seat restrictions.

Comprehensive insurance : From travel medical to car rental coverage.

Special offers : Lucrative welcome bonuses and limited-time offers.

Annual fee : A $149 annual fee, though it's rebated in the first year.

Welcome bonus

Before January 3, 2024, new cardholders can earn a whopping 175,000 TD Rewards Points, equivalent to a travel value of up to $875 when booked through ExpediaForTD.com.

• Welcome Bonus of 30,000 TD Rewards Points upon the first purchase.
• Earn up to 120,000 TD Rewards Points when spending $2,500 each month for the first 12 months.
• Earn up to 25,000 TD Rewards Points by setting up new regularly recurring bill payments (maximum two).
• You can earn 30,000 more rewards by becoming a TD Small Business Banking customer when you open an Every Day Business Plan (A, B, C, or TD Unlimited Business Plan between now and October 31, 2023. 
• And another 30,000 TD Rewards points if you’re approved for the TD Business Travel Visa* Card within 120 days of opening a new Business Chequing Account and process at least one transaction within the first 90 days. 
• Full Annual Fee rebate for the Primary Cardholder and first two additional cardholders for the first year (a value of up to $247). Total value of $1,240.
• Plus, TD is throwing in a 12-month Uber One membership ($120 value).

This card shines with its earn rates:

• 9 TD Rewards Points for every dollar spent on ExpediaForTD.com bookings.
• 6 TD Rewards Points for every $1 spent on foreign currency purchases, restaurant expenses and recurring bill payments.
• 2 TD Rewards Points for every $1 spent on all other eligible business purchases.

TD Business Travel Visa* Card key benefits

• Enjoy no travel blackouts, no seat restrictions, the freedom to book through any agency, and the ability to use points to cover taxes and fees on travel bookings.

TD Business Travel Visa* Card Insurance coverage

The TD Business Travel Visa* Card offers a robust insurance package:

• Travel medical insurance : Up to $2 million coverage for the first 15 days of your trip.
• Travel accident insurance : Up to $500,000 for covered losses.
• Trip cancellation/interruption : Up to $1,500 per person for cancellations and maximum of $5,000.
• Flight/trip delay insurance : Up to $500 towards hotel and restaurant expenses. 
• Lost or stolen baggage : Coverage up to $1,000 per trip.
• Car rental coverage : 48 consecutive days of coverage for auto rental collision/loss damage up to $65,000 MSRP.
• Purchase security : On most items for 90 days from purchase date against loss or damage. 
• Extended warranty protection : Automatically extends manufacturer’s warranty.
• The Visa SavingsEdge program offers sweet deals to grow your business on brands like Amazon Business, Budget Rent-a-car, Google Ads, Constant Contact, UPS, Zendesk and more. 
• Get a free 12-month Uber One membership, valued at $120.
• Get your Starbuck ® fix - earn more at Starbucks ® by linking the card to earn 50% more TD Rewards Points and Stars.
• Save a minimum of 10% on the lowest available base rates in North America with Avis and Budget. 
• Redeem your TD Rewards Points towards business purchases at Amazon.ca.
• Access TD Card Management Tool to redistribute available credit among cardholders, set restrictions on spend type, temporarily turn a Card on or off, track employees spending with up to 18 months of business transaction data and more. 

How the TD Business Travel Visa* Card compares

The TD Business Travel Visa* Card falls into the travel and foreign transaction category. When considering such cards, it's crucial to compare features, fees and benefits to ensure you're getting the best value.

TD Business Travel Visa* Card Vs TD First Class Travel ® Visa Infinite* Card

These two cards are similar, so what sets them apart? Business perks vs. a focus on travel. The First Class card charges $139 for its annual fee, or $10 less than the Business Travel Visa*. The welcome bonus with Visa Infinite isn’t as enticing at 115,000 TD Rewards points and they charge 20.99% APR vs. 19.99% with the business travel card. On top of that, you earn eight TD Rewards Points, instead of nine, for every $1 in travel purchases. For some good news, both cards’ travel insurance packages are identical. 

The TD First Class Travel ® Visa Infinite* also gives you an annual credit of $100 when you book at Expedia for TD. And, because you’re part of the Visa Infinite Benefits program, you’ll get access to 24/7 concierge services, luxury hotel and dining experiences and more. Ultimately, pick the card that best suits your needs. 

TD Business Travel Visa* Card vs. TD ® Aeroplan ® Visa* Business Card

The TD ® Aeroplan ® Visa* Business Card’s biggest difference is Aeroplan vs. TD Rewards Points. If you love flying with Air Canada and its partner airlines, want a free first checked bag and access to the Maple Leaf Lounges in North America (though you earn one pass for every $10,000 spent), then this may be a good card for you. It charges a $149 annual fee that you can get waived in the first year. It features the same great insurance benefits, the Visa SavingsEdge program and the TD Card Management Tool. One last difference, the TD® Aeroplan® Visa* Business Card only charges 14.99% interest. 

So really, which points program would you rather have?

TD Business Travel Visa* Card Vs.CIBC Aventura ® Visa* Card for Business Plus

Another business card, a different rewards program. CIBC will waive the $120 annual fee in the first year, charge 19.99% APR and has a Visa Spend Clarity for Business to track your spending, customize payment controls and use powerful reporting tools. 

Much like the Expedia for TD program, you can book on any airline, every flight, every seat with points that don’t expire with the CIBC Rewards Centre. CIBC’s welcome bonus of 60,000 Aventura points doesn’t seem as strong as TD’s welcome bonus, but the dollar value is about the same (~$1,200). 

A significant differentiator is the lack of emergency medical insurance with CIBC. 

Is the TD Business Travel Visa worth it?

The TD Business Travel Visa* Card is a strong contender in the best business credit card category. With its massive welcome bonus (that serves as a draw to their banking products), high earn rate, great insurance coverage and business tools (TD Card Management Tool), this card stands up against some of the best. If you like the security of a big bank, a credit card you can confidently give to your employees, and want to unlock some bonuses while travelling, this card is a winner. 

How to switch from TD Business Travel Visa* to regular

Switching your TD business card without losing points is easy. Simply call 1-800-983-8472 and speak with customer service. If you’re switching to Aeroplan though, be sure to use up as many points as possible, even if it’s to help pay off your balance.

Is the annual fee worth it?

Given the card's travel, insurance and business benefits, the $149 annual fee is justified, especially with the first-year rebate. However, it's essential to compare its pros and cons for what your business needs.

Can I use my TD Rewards Points for non-travel expenses?

Yes, you can redeem your TD Rewards Points for purchases at Amazon.ca, retail business merchandise, gift card and even to pay down the account balance.

About our author

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca. He was the host and producer of the Real Money Talk podcast. He's the father of two, husband to one, and loves all things tiny.

Latest Articles

TD's Masrani hopes to tell shareholders more on anti-money laundering probe soon

Most actively traded companies on the Toronto Stock Exchange

Virtual-only meetings erode shareholder democracy, institutional investor group warns

Drivers in Eastern Canada see gas prices spike as refineries switch to summer blends

Alberta government announces plan to protect consumers from power price swings

Hydro-Québec, Kahnawake Mohawks to jointly own transmission line to New York City

The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.

Thanks for this great article – I featured it in my weekly round up in “the best of the rest”

Thanks Ross, I really appreciate the support!

Join 3,500 Canadian Subscribers!

Sign up today to learn all about the best cash back and travel rewards credit cards, plus how to maximize your rewards and loyalty programs. 

• Customer Service

TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

Your browser is out of date.

We highly encourage you to update your browser to the latest version of Internet Explorer, or use another browser such as Google Chrome or Mozilla Firefox.

TD Business Travel Visa* Card

Limited Time Offer:

Earn a value of up to $1, 122 ^ in TD Rewards Points (that's up to 175,000 TD Rewards Points) ^ with no Annual Fee in the first year ^ . Conditions Apply. Account must be opened by June 3, 2024.

Earn up to 175,000 TD Rewards Points ^ for the first year from Account opening (a travel value of up to $875 when you book travel Purchases through ExpediaForTD.com ^ ) and get full Annual Fee rebates for the first year for the Primary Cardholder and first two Additional Cardholders ^ (a value of up to $247 ^ ). That’s a total value of $1,122 ^ . Conditions Apply. Account must be opened by June 3, 2024.

• Earn a Welcome Bonus of 30,000 TD Rewards Points when you make your first Purchase ^ with your new Card
• Earn up to 120,000 TD Rewards points when you spend $2,500 in Purchases each month for the first 12 months of Account opening ^ .
• Plus, earn up to 25,000 TD Rewards points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening ^ .
• Get an Annual Fee rebate for the first year for the Primary Cardholder and two Additional Cardholders ^ . Additional Cardholders must be added by June 4, 2024.
• Earn an additional 60,000 TD Rewards Points when you spend $5,000 in the first 3 months of account opening ^
• Plus, earn up to 40,000 TD Rewards points by setting up new regularly recurring bill payments (maximum two)
• Earn 9 TD Rewards Points ^ when you book travel online through ExpediaForTD.com ^ using your Card
• Earn 6 TD Rewards Points ^ for every $1 you spend on Foreign Currency Purchases using your Card when making foreign exchange Purchases.
• Earn 6 TD Rewards Points ^ for every $1 you spend on regularly recurring bill payments and Restaurant Purchases made on your card
• Earn 2 TD Rewards Points ^ for every $1 you spend on business purchases made using your Card

How to Redeem:

• Travel Accident Insurance
• Trip Interruption/ Cancellation Insurance
• Travel Medical Insurance
• Rental Collision/ Loss Damage Insurance
• Flight Delay Insurance
• Baggage Insurance
• Extended Warranty
• $49.00 for the first Additional Cardholder. $0 for subsequent Additional Cardholders.
• There is a 21-day interest grace period on all new purchases

^ Terms and Conditions apply.

All trade-marks are the property of their respective owners.

* Trademark of Visa International Service Association and used under license.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Last updated 03/25/2024. Check with the credit card issuer for the most up-to-date information before applying.

Find errors in the information for this credit card? Report this listing.

Other cards you may be interested in

Report Credit Card Listing

• Describe the issue:

Report this listing

• Credit Cards
• TD Platinum Travel Visa Card Review: One of the Best Credit Cards for Expedia Loyalists

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TD Platinum Travel Visa Card Review 2024

Updated: Mar 5, 2024, 12:47pm

The TD Platinum Travel Visa has plenty to offer, like no annual fee the first year, the ability to earn TD Rewards Points on purchases and a generous welcome bonus . However, when you look a little closer, there are some drawbacks, like conditions and caveats aplenty. Still, within the landscape of travel cards , the TD Platinum Travel Visa Card shines, but not nearly as bright as the competition. The main reason? Its affiliation with Expedia, both the card’s greatest strength and, paradoxically, its biggest limitation. That’s because the card’s offers are largely confined to Expedia getaways, demanding loyalty you may not want to give so readily.

• Generous welcome bonus.
• Better rewards program than most TD cards .
• Similarly-priced cards have better travel perks

Table of Contents

Introduction, quick facts, td platinum travel visa* card rewards, td platinum travel visa* card benefits, how the td platinum travel visa* card stacks up, methodology, is the td platinum travel visa* card right for you.

• Advertiser's Disclosure

Featured Partner Offers

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Travel rewards for a low annual fee? Get the TD Platinum Travel Visa Card.

On TD’s Website

• Earn up to $370 in value†, including up to 50,000 TD Rewards Points†. Conditions apply. Account must be approved by September 3, 2024.
• 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†.
• Pay no annual fee for the first year
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn up to 6 TD Rewards Points for every $1 spent on Expedia ®  for TD †  
• Earn 4.5 TD Rewards Points on every $1 you spend at your favourite eateries and grocery stores
• Earn 3 TD Rewards Points for every $1 of your recurring bill payments
• Earn 1.5 TD Rewards Points for every $1 you spend on everything else
• Includes travel insurance coverage
• Benefit from no travel blackouts, no seat restrictions and no expiry for your TD Rewards Points (as long as your account is open and in good standing)
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

When you think about a credit card that ties its perks to a popular online travel agency, TD Platinum Travel Visa Card immediately comes to mind. It’s almost as if TD had a tête-à-tête with Expedia and, together, they concocted an array of credit card benefits suited for the travel-savvy cardholder. If you’ve got a penchant for frequently booking through Expedia, TD Platinum Travel Visa Card isn’t just an option—it’s one of the best options. The world of travel rewards credit cards is vast, and in that sea TD Platinum Travel Visa stands out like a beacon for travellers anchored to Expedia.

Yet, while this card seems bespoke to a specific audience, what about the travellers who don’t necessarily pledge allegiance to Expedia? Here’s where things get a bit murky.

Do we love the fact that there’s no annual fee for the first year, a juicy introductory perk that could see you pocketing up to 50,000 TD Rewards Points? Absolutely. Is it phenomenal that you can bag 6 TD Rewards Points for every $1 on bookings through Expedia and up to 4.5 TD Rewards Points for every $1 you spend on everything else? Again, a resounding yes.

But, in the larger landscape of travel cards, where some offer travel perks like lounge access or extravagant concierge services, TD’s card feels a tad limited. Avid globe-trotters might find themselves yearning for a few more travel-related luxuries.

Would we recommend the TD Platinum Travel Visa Card? If Expedia is your go-to travel companion, yes, without any hesitation. But if you’re an indiscriminate traveller who casts a wider net to find the best deal, this might not be your catch of the day.

• Annual fee: Waived for the first year, then it’s $89 per year
• Reward rate: Ranging from 1.5 to 6 TD Rewards Points across diverse spend categories
• Flexibility: Points can be used for travel, merchandise or bill payments
• Introduction offer: Up to $370 in value and 50,000 TD Rewards Points, with certain conditions
• Insurance coverage: Comprehensive travel insurance included

Earning Rewards

Jumping into the rewards scene Collecting rewards with the TD Platinum Travel Visa Card can feel like striking gold. Each bite at a restaurant or grocery run puts 4.5 TD Rewards Points in your pocket. Your recurring bills? A nifty 3 points for each $1 you spend. And every other purchase earns you a steady 1.5 points. In the bustling world of reward credit cards, this one can hold its own. Plus, the TD Platinum Travel Visa Card offers a distinct Expedia advantage, turning everyday expenses into potential travel adventures.

Redeeming Rewards

With the TD Platinum Travel Visa Card’, you can convert your hard-earned points into exciting getaways on Expedia, choosing from a plethora of destinations. TD and Expedia have made redeeming points easy, so you can harness the full potential of your rewards on Expedia® For TD. You can also use your accumulated points to splurge on merchandise, even Amazon purchases. Plus, you can use TD Rewards Points to lower your credit card balance. While some cards make you jump through hoops for redemptions, TD’s portal makes redeeming your TD Rewards Points a breeze.

Rewards Potential

Savvy spenders who harness the card’s earning potential could pocket an impressive number of points towards travel, merchandise and more. Based on how Canadians typically spend, Forbes Advisor Canada estimates that cardholders can see an annual return of $312.42 worth of points, with the annual fee factored in, when you book travel with Expedia. When you book travel elsewhere, the annual return drops to $292.82 worth of points, with the annual fee factored in.

• First-year perks: No annual fee and up to 50,000 TD Rewards Points (Up to $370 in value)
• Dine and dash to points: Enjoy 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores
• Expedia euphoria: Be the traveller that gets 6x TD Rewards Points for every $1 you spend on Expedia bookings, ensuring every trip, big or small, becomes a rewarding journey
• Security and peace of mind: Rest easy with comprehensive travel insurance that ensures that your voyages remain hiccup-free

Interest Rates

• Regular APR Min: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 1% ($3.50 minimum and $10 maximum)
• Balance Transfer fee: 3% maximum
• Foreign Transaction Fee: 2.5%
• Annual Fee: $89 (Get an annual fee rebate in the first year; account must be approved by September 3, 2024)
• Over Limit Fee: $29.00
• Late Payment Fee: $0

When evaluating the TD Platinum Travel Visa Card against some of its competitors, namely the TD Aeroplan Visa Platinum , American Express® Aeroplan®* Reserve Card and CIBC Aeroplan Visa Infinite Card, it’s clear that each has its unique strengths. While they may cater to different traveller preferences, from Expedia loyalists to Air Canada aficionados, picking the most suitable one for you depends on your travel habits, reward preferences and fee comfort levels.

TD Platinum Travel Visa Card vs. TD Aeroplan Visa Platinum Card

At face value, both cards come with an identical annual fee and APR, and both are generous with their first-year annual fee rebates. Yet, they’re tailored to different travellers. If Expedia is your go-to for travel bookings, the TD Platinum Travel Visa Card’s 6-point-per-$1 earn rate is unmatched. That said, TD Platinum Travel Visa Card offers a hearty welcome in the form of 50,000 TD Rewards Points, while TD Aeroplan Visa Platinum welcomes new cardholders with a 20,000 Aeroplan Point offer. But here’s the twist: TD Aeroplan Visa Platinum Card’s potential $500 value, along with the versatility of earning points in multiple ways, may out-woo the frequent traveller. However, for the everyday spender leaning into travel, TD Platinum Travel Visa Card’s reward structure, especially with groceries and dining , holds an edge.

TD Platinum Travel Visa Card vs. American Express® Aeroplan®* Reserve Card

When deciding between the TD Platinum Travel Visa Card and American Express Aeroplan Reserve Card, travellers have a lot to unpack. TD Platinum Travel Visa Card offers an attractive welcome bonus and a more affordable annual fee, especially with the first-year waiver. It’s also the perfect choice for dedicated Expedia customers looking to earn more rewards, faster than ever, on their getaways. On the flip side, the American Express Aeroplan Reserve Card offers a superior range of travel benefits, from lounge access to comprehensive insurance. But, with its higher annual fee, it’s geared towards frequent Air Canada travellers who’ll make the most of its perks. For the budget-conscious, TD Platinum Travel Visa Card takes the lead, but American Express Aeroplan Reserve Card is unrivalled when it comes to premium Air Canada perks.

TD Platinum Travel Visa* Card vs. CIBC Aeroplan Visa Infinite Card

Pitting the TD Platinum Travel Visa Card against the CIBC Aeroplan Visa Infinite Card is an exercise in balance. Both cards offer strong travel rewards, but they cater to slightly different demographics. TD Platinum Travel Visa Card, with its Expedia tie-in, is a dream for the site’s loyalists. Its annual fee is also modest, which is appealing for cardholders who balk at high yearly charges. Conversely, the CIBC Aeroplan Visa Infinite Card leans heavily into its Air Canada affiliation, granting perks like free checked bags and priority boarding. The card’s insurance coverage is also commendable. If you’re after broader travel flexibility and a cheaper fee, TD Platinum Travel Visa Card is your go-to. But, for frequent Air Canada flyers, CIBC Aeroplan Visa Infinite Card stands out.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

In short, the TD Platinum Travel Visa Card is a stellar choice for cardholders who frequently use Expedia. If you’re looking to cash in on a generous welcome bonus without a hefty annual fee, this is the card for you. It’s particularly suited to users who dine out or spend heavily on groceries , given the rewards rate. However, if you’re a travel enthusiast in search of comprehensive travel perks and insurance , you might find other similarly priced cards more appealing. While the TD Platinum offers decent protection features, there are more competitive options out there.

Related: Best Credit Cards To Use in Canada

Advertiser's Disclosure

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Frequently Asked Questions (FAQs)

Is the first-year annual fee really waived for the td platinum travel visa card.

Yes, as long as you activate your card and make your first purchase within the first three months of opening your account.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa Card?

To earn up to 50,000 TD Rewards Points, you must be approved by September 3, 2024. Once approved, activate your card and make your first purchase within the first three months. Also, remember to add any additional cardholders by September 4, 2024.

How does the TD Platinum Travel Visa Card's rewards program benefit frequent Expedia customers?

You earn 6 TD Rewards Points for every $1 you spend when you book your travel through Expedia For TD, making it a rewarding choice for cardholders who frequently use this platform.

What’s the earning rate for the TD Platinum Travel Visa Card on everyday purchases?

You earn 1.5 TD Rewards Points for every $1 you spend on everyday purchases. Plus, you can rack up 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores.

Is the TD Platinum Travel Visa Card offer available to residents of Quebec?

Unfortunately, this offer isn’t available to Quebec residents.

Kevin Nishmas is an expert financial content writer with a long and successful history of working with Canada's largest financial institutions. His knack (and passion) for transforming complex personal finance information into clear, compelling content has landed him in leading business publications such as Report on Business, Advisor’s Edge, Benefits Canada and Investor's Digest of Canada.

• Best Credit Cards
• Best Travel Credit Cards
• Best Airport Lounge Access Credit Cards
• Best Cash Back Credit Cards
• Best Credit Cards for Bad Credit
• Best Aeroplan Credit Cards
• Best No Foreign Transaction Fee Credit Cards
• Best Balance Transfer Credit cards
• Best Rewards Credit Cards
• Best Mastercards
• Best Student Credit Cards
• Best Secured Credit Cards in Canada
• Best Business Credit Cards
• Best of Instant Approval Credit Cards
• Best Prepaid Credit Cards
• Best No-Annual-Fee Credit Cards
• Best Low-Interest Credit Cards
• Best Neo Financial Credit Cards
• Best Visa Cards
• Best Air Miles Credit Cards
• TD Aeroplan Visa Infinite Privilege Review
• EQ Bank Card Review
• TD Aeroplan Visa Platinum Card Review
• Scotiabank Platinum American Express Card
• TD® Aeroplan® Visa Infinite* Card
• KOHO Prepaid Mastercard Review
• MBNA Rewards World Elite Mastercard
• MBNA True Line Mastercard Review
• The American Express Business Edge Card Review
• TD First Class Travel Visa Infinite Card
• TD Rewards Visa Card Review
• RBC Avion Visa Infinite Review
• Scotiabank Gold American Express Card
• Neo Secured Credit Card Review
• Home Trust Secured Visa Review
• American Express Aeroplan Card Review
• Tangerine Money-Back Card Review
• TD Cash Back Visa Infinite
• Scotiabank Scene+ Visa Card
• Credit Card Interest Calculator
• Credit Card Minimum Payment Calculator
• Credit Card Expiration Dates: What You Need To Know
• What Is The Highest Limit Credit Card In Canada?
• What Is The Highest Credit Score Possible?
• Money transfer from Credit Card to the Bank
• How To Get Cash From A Credit Card At An ATM
• The Stack Mastercard Is No More
• How Is Your Credit Card Interest Calculated?
• How To Pay Your Mortgage With A Credit Card
• Does Applying For A Credit Card Hurt Your Credit?
• How To Check Your Credit Card Balance
• Cathay Pacific and Neo Financial Are Launching A Credit Card
• 4 Ways To Consolidate Credit Card Debt
• How To Get A Business Credit Card
• Canceling Credit Cards: Will I Get My Annual Fee Back?
• Can I Use A Personal Card For Business Expenses?

More from  

Tim hortons credit card (tims card) review 2024, cibc costco mastercard review 2024: avid costco shoppers should not leave home without it, pc world elite mastercard review 2024, pc insiders world elite mastercard review 2024: earn the most pc optimum points in canada, cathay world elite mastercard review 2024: the only credit card in canada that earns asia miles, ja money card review 2024: earn cash back while learning about money management.

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?

Domestic Deals

From British Columbia to Newfoundland, find your perfect Canadian hotel on Expedia For TD. Browse thousands of hotels today!

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 Hotel offers are only available at participating Expedia For TD Special Rate hotels and may vary by length of stay. Please see specific details for each of the properties listed above by clicking the hotel of interest. Search with your preferred travel dates to view the discounted rates applicable for your stay. The hotel discounts advertised on this promotion page apply to selected properties only and all rates are subject to availability. The discounted property rates can also be accessed via searching on the homepage. Prices are per double-room including all taxes and fees. Offers are subject to availability and may be discontinued without notice. Additional restrictions may apply. Subject to supplier availability.

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 .

TD Rewards points value

Most people will use their TD Rewards points on bookings through Expedia for TD.  Since it’ll cost you 200 TD Rewards points to redeem $1 in travel, one TD Rewards point is woth .50 cents . TD Rewards gives you a solid number of options to use your points, but not all of them will give you a decent value.

As you can see, the best value for your points is to book travel through the Expedia for TD portal. If you were to book travel on your own and then redeem points later, you’d be getting less value. Gift cards, statement credits, and merchandise aren’t worth it at all so don’t waste your TD Rewards points on them. Redeeming for education is a decent value, but there are some conditions that I’ve highlighted below. For any redemption, you need to go through the TD Rewards  website .

How to redeem TD Rewards on Expedia for TD

TD Rewards has a partnership with Expedia which acts as their travel portal. It’s important to note that you have to use Expedia for TD, not the regular Expedia site. Since almost everyone is already familiar with Expedia.ca, the booking experience is relatively simple which makes TD Rewards arguably the easiest travel booking portal to navigate from all the major banks in Canada.

Similar to all other bank travel portals, you can book flights, hotels and car rentals, but TD Rewards shines by having access to Expedia’s inventory which is larger than most other bank programs. For example, Expedia for TD also offers vacation packages, cruises, vacation rentals, rail trips and attractions.

There is no minimum amount of TD Rewards points required to make a redemption on Expedia for TD, but you do need 200 TD Rewards points to get $1 off your Expedia for TD booking. Expedia for TD will automatically suggest you redeem points at check-out so there are no extra steps required if you want to use your points. Your points are essentially worth 0.5 cents each.

Make sure to opt-in for the TD Rewards e-mails since they often have good promotions. For example, they recently had $100 off a $400+ hotel booking made on Expedia for TD which gives you even more value for your points.

How to redeem TD Rewards for any type of travel

TD Rewards also allows you to redeem travel expenses charged on your credit card even if these expenses aren’t booked through Expedia for TD. While the redemption value for Book Any Way Travel can be 20% lower than Expedia for TD, I like having this option. Hotel chains usually only give points and elite status perks when you book directly with them. If you have status, it’s often worth booking directly to take advantage of your benefits even though you’re not getting as much value had you booked through Expedia for TD. Book Any Way travel also allows you to use points to offset travel expenses you can’t find on Expedia for TD, like AirBnB bookings or RV rentals.

The exact redemption ratio is 250 points will allow you to redeem $1 in travel purchases, so your points are worth 0.4 cents each. This ratio applies to the first $1,200 of a single travel purchase. Any travel purchases over $1,200 will only cost you 200 TD points to claim $1. To be clear, the first $1,200 would cost you 250 TD points for $1. From $1201+, it would be 200 TD Rewards points to redeem $1 in travel.

What’s interesting is that TD Book Any Way Travel is pretty generous when it comes to valid travel expenses. In addition to usual travel expenses like flights and hotels, TD accepts out-of-province restaurants, gas, attractions and even parking expenses. These redemption options can be useful since many other programs already cover flights and hotel expenses.

There are no blackout dates when you redeem your TD points via Expedia for TD and Book Any Way Travel. Your TD Rewards points can also be used for fees and taxes.

How to redeem TD points for higher education

A few different bank rewards programs allow you to use points on investments, but TD gives you the option to use your points on higher education. It can be a bit complicated since you have to buy HigherEdPoints Education Credits with your points first. HigherEdPoints is an organization that has agreements with loyalty programs and education institutions and manages to convert loyalty points into education credits. You can see the  list of all participating institutions  on their website.

The redemption value of these credits is decent since 250 points get you $1. That works out to the same rate as Any Way Travel, but you need to take into consideration that you can only redeem by $250 increments which work to be 62,500 points. This option is also available for outstanding student loans too, so you could get more value out of your points if you factor in the interest you’ll save by paying off your loan earlier.

How to redeem TD Rewards   for gift cards

The TD Rewards site has a tab dedicated to gift cards. The number of points required to make a redemption differs depending on the merchant, but in most cases, it’s a rate of 400 points for $1. That’s half the value of what you get when redeeming on Expedia for TD or .25 cents per point.

Clearly using your points for gift cards is not a good value, but TD Rewards does occasionally have promos where gift cards cost 25% less in points to make a redemption. Even then, it would still cost you 300 points for $1, so that’s .33 cents per point. It’s a better value than the regular rate, but it’s still lower than travel redemptions.

How to redeem TD Rewards for merchandise

Similar to almost all other loyalty programs, TD Rewards has a merchandise catalogue with hundreds of items that you can purchase with your points. Some things that have been available in the past include:

• Hair clippers
• Small and major appliances
• Gaming consoles

Admittedly, TD Rewards has one of the better merchandise that’s available from some of your favourite retailers. They seem to have more categories and products available compared to other programs. That said, the redemption rate is still not the best since the dollar value of your points would fall between .15 – .30 cents each. That said, TD Rewards does run quite a few promos where it takes fewer points to make a redemption, so your point value could get as high as .40 cents, which is not bad.

How to redeem TD Rewards for cash

When logged into TD Rewards, you’ll see a tab to redeem your points for cash. While it’s always appealing to have your bill reduced by simply redeeming your points, this is arguably the lowest value possible. It’ll cost you 200 points for $ 1 off, which is a value of .25 cents per point. Although this is the same rate as gift cards, there are never any promos for cash redemptions. You’re basically stuck at .25 cents per point which is terrible. Unless you’re experiencing financial distress, avoid cash redemptions.

Do TD Rewards points expire?

No, TD Rewards points do not expire as long as you have an active account in good standing. If you choose to close or switch your account, you’ll lose your points immediately, so use up your points before making any changes. In the past, when you switched from the TD First Class Travel Visa Infinite to the TD Aeroplan Aeroplan Visa Infinite, you could transfer your points, but that’s no longer allowed.

How TD Rewards compare to others

TD Rewards is a solid loyalty travel program that will appeal to people who want something simple. Since you can book on Expedia for TD or book on your own, there are no blackout dates or award redemption charts to worry about. The only real “negative” aspect of TD Rewards is a lack of fixed point flight redemption chart like  American Express Membership Rewards  has. That means the value of TD Rewards points is limited to 0.5 cents per point. In addition, with American Express Membership Rewards, there’s no devaluation to your points when you book any type of travel.

Although the TD credit cards that are offered are decent, many of the  best travel credit cards in Canada  have better sign up bonuses. That said, TD Rewards is near the bottom end of my  rankings of Canada’s bank travel programs . Those who don’t want to think about maximizing value will rank TD Rewards higher, but I think the program is lacking.

It’s also worth mentioning that Aeroplan points are arguably better than TD Rewards since they can have a higher value, and there are multiple TD Aeroplan credit cards. For example, if you opted for the top-tier TD Aeroplan Visa Infinite Privilege Card , not only would you earn TD Aeroplan points, but you would also get benefits such as a Priority Pass membership, extended warranty protection, discounts at Avis rent-a-car, trip cancellation coverage, purchase security, and trip interruption insurance.

How to earn TD Rewards points

You can earn TD Rewards points via TD credit cards. The quickest way to earn TD Rewards points is from the various sign up bonuses, but you’ll obviously also earn points on all of your eligible purchases. TD has 3 personal credit cards that earn you TD Rewards points: TD Rewards Visa, TD Platinum Travel Visa Card, and the TD First Class Travel Visa Infinite Card. There’s also a TD Business Travel Visa that earns you TD Rewards I’ve highlighted their TD First Class Travel Visa Infinite Card below as it’s easily the most popular one.

TD First Class Travel Visa Infinite Card

• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 80,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

The  TD First Class Travel Visa Infinite  is TD’s flagship credit card. It doesn’t earn you as many TD Rewards points as the TD Platinum Travel Visa card, but it’s arguably more popular. I suspect the reason it’s such a popular card is that you can get the annual fee waived every year if you have a TD All-inclusive plan. Even if you don’t have that plan, the annual fee for the first year is usually free.

The standard welcome bonus for cardholders is typically worth 20,000 points, but TD often runs promotions where you can earn an additional 40,000 – 80,000 TD Rewards points as long as you meet their minimum spend requirement. Since one TD Reward point is worth 0.5 cents each, that’s $500 in value you’re getting if the welcome bonus is worth up to 100,000 points. It’s definitely worth monitoring the current TD First Class Travel Visa Infinite offer as they can sometimes be incredibly valuable.

It’s worth mentioning that the TD First Class Travel Visa Infinite Card is one of the eligible TD credit cards that can earn you Starbucks Rewards partnership. All you need to do is login to your TD app, tap My TD Rewards, the select Starbucks from the partners list.

If you prefer a card with no annual fee, there’s the  TD Rewards Visa Card . It earns you 2 TD Rewards Points for every $1 in grocery purchases, restaurant & fast food purchases.

Final thoughts 

Despite the lack of redemption options with your points, TD Rewards is still a decent travel loyalty program. Points are easy to accumulate and are easy to use with no blackout dates. Without any transfer partners, TD will always be one of the less popular bank loyalty programs. Many consumers want options. Being partnered with Expedia is great, but giving consumers less value when they book their own travel is a bit ridiculous. Oddly enough, the TD mobile app doesn’t connect you right to Expedia for TD.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

We redeemed ours for Home Depot gift cards and got $175 off a Weber BBQ and now husband just got the card and we will book our interisland Hawaii flights with the bonus points. Straightforward program and easy to use.

Gift cards are such a low value, I’m surprised you guys used your points for that.

Great review Barry. However, I consider the combination of the Scotia Passport Visa Infinite and Scotia’s rewards program far superior because of the absence of foreign transaction fees. I think that’s paramount when selecting a travel rewards card (and its associated rewards program) because you are obviously interested in travel and presumably some portion of your travel is outside of Canada. If you’re retired like we are and spend a good portion of your year outside the country, those 2.5% (or higher) fees add up quickly and can dwarf the $100-$200 in annual card fees. The bottom line is everyone should run the numbers based on their own spending patterns to determine which card and rewards program will deliver the best value. In our case, it wasn’t even close.

In my ranking of all the programs, I have TD at #6 and Scotia at #3 so I agree with your assessment. Although TD doesn’t have a card with no forex fees, there are many cards without an annual fee and with no froex fees so I don’t consider that a major deal-breaker.

Hi Barry, I agree that it shouldn’t be a must-have “deal-breaker.” But I do believe forex fees is something people should definitely be taking into account when estimating total return value and comparing travel cards and travel rewards programs. For some who only spend two weeks outside Canada every year, it won’t make a big difference, but they shouldn’t ignore it.

I really love your articles.

Like Mike said, there are programs out there that are better than this for a lot of people. Really read the small print before choosing. I completely agree on that foreign exchange thing. It’s got me really looking at the Amazon credit card for Canada right now because TD is really biting me on that.

I’d love to see you write a piece comparing the travel dollar values of these ‘point collection programs’ (for example: td versus scotia versus pc).

Although maybe you have and I just haven’t found that article yet.

Although I haven’t compared any programs head to head, I do have reviews for almost every individual program. I also have a general article ranking all of the programs.

https://www.moneywehave.com/canadas-bank-travel-rewards-programs-ranked/

[…] TD Rewards is a good program and I recommend it to anyone who wants an easy program to understand. However, TD Rewards still ranks low compared to others for a few reasons. Although you can redeem 200 points for $1 off ExpediaForTD, you need 250 points for $1 when using the Book Any Way feature which decreases the value of your points. […]

Leave a Comment Cancel Reply

Get a FREE copy of Travel Hacking for Lazy People

Subscribe now to get your FREE eBook and learn how to travel in luxury for less

• Book Travel
• Credit Cards

Best ways to earn:

Best ways to redeem:.

TD Rewards Points are the primary currency touted by the largest bank in Canada, Toronto-Dominion Bank. TD Rewards are a proprietary currency, belonging solely to TD and tied exclusively to TD credit cards .

TD Rewards is a fixed-value points currency, meaning that points can be redeemed in a number of ways at a fixed value. TD Rewards Points are particularly useful to offset the cost of incidental travel purchases, such as independent hotels, short-term rentals, and vacations, to further minimize your out-of-pocket travel expenses.

Earning Points via Signup Bonuses

The only way to earn TD Rewards is from the bank itself, via its suite of personal TD Rewards-earning credit cards.

• The TD Rewards Visa* Card is the no-fee card, which typically comes with a small signup bonus.
• The TD Platinum Travel Visa* Card is the entry-level product among the TD Rewards cards. The card frequently puts on first-year annual fee rebate promotions along with a modest welcome bonus, which typically ranges between 15,000–50,000 TD Rewards Points.
• The TD First Class Travel® Visa Infinite* Card is the flagship TD Rewards product from TD. The card frequently offers first-year annual fee rebates, along with a sizeable welcome bonus of 20,000–135,000 TD Rewards Points.

Earning Points via Daily Spending

Beyond signup offers, you can earn TD Rewards Points through daily spending on the above credit cards. The earning rates are as follows:

• 4 TD Rewards Points† per dollar spent on eligible Expedia® for TD purchases†
• 3 TD Rewards Points† per dollar spent on eligible groceries and dining purchases†
• 2 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1 TD Rewards Point† per dollar spent on all other eligible purchases†
• 6 TD Rewards Points† per dollar spent on eligible Expedia® for TD†
• 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining†
• 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†
• 8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
• 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases†
• 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 2 TD Rewards Points† per dollar spent on all other eligible purchases†

Purely from an earning perspective, the TD First Class Travel® Visa Infinite* Card stands out as the strongest card.

This is especially true for anyone who books a significant component of their trips on Expedia, as you can earn an effective 4% return on your purchases.

Redeeming TD Rewards Points

The TD Rewards program offers various redemption possibilities, with different levels of value attached to each one.

Expedia® for TD

The best redemption value for TD Rewards comes by redeeming them on the dedicated redemption portal Expedia® for TD. By redeeming points this way, you’ll get 0.5 cents per point (cpp), which is the best way to use TD Rewards Points.

Expedia® for TD is essentially the same platform as the regular Expedia, except you log in with your TD credentials so you can redeem points.

Simply sign in to your TD Rewards account, click “Expedia for TD” under the “Redeem” tab, and then click through to the Expedia for TD portal.

As with regular Expedia purchases, you can book flights, hotels, car rentals, and other travel purchases. Importantly, Expedia also offers cruises, tours, and Disney tickets, among other things.

As these travel expenses are typically quite difficult to book with points, using TD Rewards Points at a fixed value of 0.5 cents per point is an excellent redemption opportunity, and could end up saving you a significant amount of cash out-of-pocket.

The minimum redemption is 200 points ($1), and you can choose to redeem your points in $50 increments. You’re able to make purchases in any combination of points and cash.

Once you’ve chosen your desired purchase on Expedia for TD, look for “Use your TD Points” on the checkout page. Just select the number of points you’d like to redeem at 0.5cpp, and then proceed with your purchase.

The credit posts in three to five days after the purchase, so be patient and keep an eye on your account.

If you’re using your TD Rewards Points on Expedia® For TD to redeem for hotels, or car rentals, the usual warnings of using an online travel agency apply.

You won’t earn any hotel status benefits or accrue elite qualifying nights at hotels. For car rentals, you won’t earn things like Hertz points or free rentals through National Free Days.

This doesn’t apply to airfare, though, as you’ll still accrue the same amount of elite qualifying miles, segments, and dollars. As long as you have your frequent flyer number attached to your booking or add it in at the check-in counter, your travel should count towards elite status qualification.

One major thing to note about using Expedia to book airfare is that any and all changes and cancellations must be pursued through the third-party booking agency, and can’t be done through the airline.

Book Any Way

The second-best way to redeem TD points is for non-Expedia travel, where you can redeem at a respectable 0.4 cents per point. The minimum redemption is 250 points ($1).

This ratio is maintained for the first $1,200 of a single travel purchase, and will be 0.5 cents per point (200 points = $1) thereafter.

Booking non-Expedia travel using TD points is called “Book Any Way Travel” and can be booked by using the TD Rewards website or by calling 1-800-983-8472.

Calling has a few distinct advantages, such as the ability to redeem your points for non-conventional travel items, such as gas, attractions, various hotel expenses, RV rentals, and even Airbnbs.

To redeem TD Rewards points through “Book Any Way Travel”, select “Book Any Way Travel” from the “Redeem” tab on the TD Rewards website.

On the next screen, fill in the information about the transaction against which you’d like to redeem points. Note that you can only redeem TD Rewards points for “Book Any Way Travel”  after the purchase has posted on your account.

You’ll need to note down the transaction date, its description, and the amount before proceeding. You can submit multiple transactions at once.

Higher Education

Using TD Rewards Points towards higher education is also a decent option, at a redemption value of 0.4 cents per point (250 points = $1). You’re able to use your TD Rewards Points to pay for tuition and/or student loans, in increments of $250 (62,500 points).

First, check if your institution participates on the TD website , and then you can buy HigherEdPoints Education Credits with your TD Rewards Points.

If you want to use your TD Rewards Points towards shopping expenses, you can redeem your points towards gift cards at a flat value of 0.25 cents per point (400 points = $1).

This is objectively a lower-value redemption than travel; however, as long as you’re redeeming points for higher value than your costs (which is usually the annual fee), you’re keeping cash in your pocket.

Gift Cards & Merchandise

There are sometimes discounts which offer gift cards for 25% off, so you can redeem at 0.33 cents per point. If you plan on redeeming TD Rewards for gift cards, it’s best to wait for one of these promotions prior to doing so.

The same value of 0.25 cents per point is offered for merchandise purchases, which are listed on the TD Rewards website . As with gift cards, there are sometimes sales where you can redeem for up to 0.3–0.4 cents per point.

As always, check if the item you’re redeeming for is on sale for a lower price on another platform to calculate your redemption value.

There’s also the option of redeeming TD Rewards Points at 0.33 cents per point through a partnership with Amazon.ca.

First, you’ll have to enroll by linking your TD Rewards-earning credit card with your Amazon account. Once you’ve done this, you can apply TD Rewards Points.

At the check-out page on Amazon, change the payment method to your linked TD Rewards credit card, where you’ll see the balance of points available. You can cover the rest of the purchase with your credit card.

Statement Credit

Finally, the last way to use your TD Rewards Points is to redeem for statement credit directly, also at a rate of 0.25 cents per point.

It sounds like the same rate as gift cards and merchandise, but keep in mind that those have occasional sales, while statement credits always remain at 0.25 cents per point.

This makes it the lowest-value way of redeeming your TD Rewards Points, and if you plan to use your points towards a statement credit, you’re better off with a cash back card .

Without a doubt, using Expedia® For TD at a rate of 0.5 cents per point (200 points = $1) is the best value redemption for TD Rewards Points.

For most travellers, this should suffice just fine, as Expedia offers tours, Disney park tickets, and a plethora of other travel possibilities aside from the usual flights, hotels, and car rentals.

TD Rewards Points are a great way to save money on miscellaneous travel expenses, and the regular high signup bonuses and respectable earning rates make it quite easy to rack up the points.

† Terms and conditions apply. Refer to the TD website for the most current information.

Hi, is it possible to sell my TD points to someone in exchange for cash? I am getting older and I doubt I will ever use it for travel. I have a lot of points. Any help would be appreciated. Thanks

Hi Judy. I don’t think TD points are transferable to other people, however you CAN redeem them for a cash (statement credit). You will get 0.25 cents per point, so for example if you have 100,000 TD points, that should be a credit of $250 . You may also be able to redeem them for non-travel rewards that will give you more value for your points. If you do decide on the statement credit, this can be done from TD Easyweb when viewing your TD Visa details. You might have to sign up or sign-in to ‘TD Rewards’ for the other options. Hope this helps!

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.

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

• Small Business

• English Selected

Redeem your TD Rewards Points how you want, for what you want

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. You have the flexibility to choose how to redeem your points for the rewards you want. Ways to redeem include everyday purchases with Amazon, Starbucks and Gift Cards, cash credits that can be applied to pay down your TD Credit Card and travel purchases.

How your TD Rewards Points work for you

Flexible redemption options.

From everyday perks to your travel dreams, there are multiple ways to redeem your TD Rewards Points.

Extra savings and weekly specials 

Get the best value for your TD Rewards Points & discover savings on everyday items, Gift Cards, travel and more.

Your TD Rewards Points never expire 

Saving up for a big reward? No problem. Your points never expire as long as your account is open and in good standing.

Redeem your TD Rewards Points

Shop, earn and treat yourself with everyday rewards. 

Redeem your points at Amazon.ca

Use your points at Amazon.ca on all or part of your purchase.

Redeem your points for Starbucks Stars

Use your linked card to redeem your points for Stars in My TD Rewards.

Redeem your points for Gift Cards

Use your points for Gift Cards for dining, shopping, groceries and more.

Turn your dreams into reality with travel rewards and more

Redeem your TD Rewards Points on your flight, hotels, car rentals, and much more.

Redeem your points at Expedia® For TD

Redeem your points for all or part of your trip at ExpediaForTD.com. ^

Pay for almost any travel expense

Use your points for trips booked at any travel site with Book Any Way.

Pay with Rewards

Redeem points for a cash credit and pay down your TD Credit Card balance.

Eligible TD Rewards Credit Cards

TD Rewards Credit Cards with benefits to suit your every need.

TD First Class Travel ® Visa Infinite* Card

The travel Credit Card that lets you earn TD Rewards Points on everyday purchases and enhances your travel experience with an annual $100 TD Travel Credit and an extensive suite of travel insurance. 

TD Platinum Travel Visa* Card

Get the travel Credit Card that lets you earn TD Rewards Points on everyday purchases and enjoy a wide variety of rewards through Expedia For TD, Starbucks and more.

TD Rewards Visa* Card

The no annual fee rewards card that lets you earn TD Rewards Points on your everyday purchases and gives you the flexibility to redeem your points how and when you want.

TD Business Travel Visa* Card

Enjoy exclusive business travel benefits and earn TD Rewards Points on your everyday business purchases, with the freedom and flexibility to redeem your points how and when you want.

Access My TD Rewards

As a TD customer, you can easily redeem your TD Rewards Points through My TD Rewards.

Access My TD Rewards in EasyWeb

Step 1:  Log in to  EasyWeb

Step 2:  Select your card

Step 3:  Click the  Manage  tab

Step 4: Select  My TD Rewards  and get access to all TD Rewards options

Access My TD Rewards on the TD app

Step 1: Log in to the TD app

Step 2: Click on  My TD Rewards  in the menu to access all TD Rewards options

Frequently asked questions

What can i redeem with my td rewards points.

Your TD Rewards Points can be easily redeemed online through either the TD app or EasyWeb. You can redeem your points for any of the following rewards:

• Amazon: With Amazon Shop with Points, you can redeem your TD Reward Points instantly for millions of eligible products on Amazon.ca, including Kindle Unlimited subscriptions.
• Starbucks: Link your TD Rewards Credit Card and Starbucks ® Rewards account to redeem your TD Rewards Points for Starbucks Stars in My TD Rewards. Use these Stars for coffee, baked treats, and more at Starbucks.
• Gift Cards: Redeem your TD Rewards Points for a variety of gift cards that you can use for dining, shopping, groceries, entertainment, gas and more.
• Pay with Rewards: Prefer cash? The TD Rewards program has you covered here, too. You can simply redeem your TD Rewards Points for a cash credit to pay down your TD Credit Card balance.
• Expedia For TD: Use your TD Reward Points to book all or part of your travel — including flights, hotels, car rentals, attractions and more at ExpediaForTD.com.
• Book Any Way: Book your trip through any travel agency or website and redeem your points within 90 days of your travel purchase with Book Any Way.

How do I redeem my TD Rewards Points instantly at Amazon.ca?

You can redeem your TD Rewards Points easily and instantly for millions of eligible products on Amazon.ca. Here’s how:

Step 1: Enrol your TD Credit Card in the Amazon.ca Shop with Points program.

Step 2: Shop from millions of products at Amazon.ca.

Step 3: Redeem your TD Rewards Points when checking out. 

How do I instantly redeem my TD Rewards Points for Starbucks Stars?

Use your linked TD Rewards Credit Card to easily redeem TD Rewards Points for Stars in My TD Rewards. Here’s how:

Step 1: Once you’ve linked your card, select the Starbucks tile in My TD Rewards in EasyWeb or the TD app.

Step 2 : Use the slider to see how many of your TD Rewards Points you can redeem for Stars. Once you're ready, select ‘Redeem TD Points for Stars’ to redeem at least 700 points.

Step 3 : Set your redemption frequency to Once or Auto-Recurring (with Auto-Recurring, you can choose how many points you’d like to redeem and how often you’d like to redeem them).

You’re all set! Now you can use your Stars toward your favourite Starbucks coffee or treat. 

How do I redeem my TD Rewards Points for Gift Cards and cash?

To redeem your points for Gift Cards:

Step 1: Log in at TDrewards.com

Step 2: Click on Redeem, then Gift Cards

Step 3: Click on the Gift Card you want to redeem your points for, and proceed to checkout

To redeem your points for Pay with Rewards:

Step 2: Click on Redeem, then Redeem for Cash

Step 3: Enter the amount of points you want to redeem, then submit

How do I redeem my TD Rewards Points for travel?

It’s easy to redeem your TD Rewards Points for travel rewards:

Expedia For TD:

Redeem your points for your dream vacation through ExpediaForTD.com. Available exclusively to TD Rewards credit cardholders. You can use your TD Rewards Points to pay for all or part of your trip. Here’s how:

Step 1: Sign in to ExpediaForTD.com and find your ideal trip

Step 2: On the billing page, input the dollar value of points you want to redeem under ‘Use Your TD Rewards Points’

Step 3: Click ‘Complete Booking’ to have your TD Rewards Points applied towards your travel booking

Here’s how it works:

• Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travellers need a minimum of 200 points to make a redemption.
• Your TD Credit Card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Book Any Way travel:

Want to book your travel with another travel agency, website or provider? With TD Rewards Points, you have the flexibility to use your points for all kinds of travel expenses, including taxes. Simply make your travel purchase using your TD Travel or Rewards Credit Card, then make a Book Any Way travel redemption request within 90 days of the purchase.

• 250 points = $1 in travel savings for the first $1,200 of any Book Any Way travel redemption request; and 200 points = $1 in travel savings for any amount that is over $1,200 for the same Book Any Way travel redemption request.

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.

TD Bank Group is not 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 Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

TD Personal Banking

• Personal Home
• My Accounts
• Today's Rates
• Accounts (Personal)
• Chequing Accounts
• Savings Accounts
• Youth Account
• Student Account
• Credit Cards
• Aeroplan points
• Travel Rewards
• No Annual Fee
• U.S. Dollar
• Personal Investing
• GIC & Term Deposits
• Mutual Funds
• TFSA - Tax-Free Savings Account
• RSP - Retirement Savings Plan
• RIF - Retirement Income Options
• RESP - Education Savings Plan
• RDSP - Disability Savings Plan
• Precious Metals
• Travel Medical Insurance
• All Products
• New To Canada
• Banking Advice for Seniors (60+)
• Cross Border Banking
• Foreign Exchange Services
• Ways to Pay
• Ways to Bank
• Green Banking

TD Small Business Banking

• Small Business Home
• Accounts (Business)
• Chequing Account
• Savings Account
• U.S. Dollar Account
• AgriInvest Account
• Cheque Services
• Overdraft Protection
• Line of Credit
• Business Credit Cards
• Business Mortgage
• Canada Small Business Financial Loan
• Agriculture Credit Solutions
• TD Auto Finance Small Business Vehicle Lending
• Invest for your Business
• Advice for your Profession or Industry
• TD Merchant Solutions
• Foreign Currency Services
• Employer Services

TD Investing

• Investing Home
• Direct Investing
• Commissions and Fees
• Trading Platforms
• Investment Types
• Investor Education
• Financial Planning
• Private Wealth Management
• Markets and Research

TD Corporate

• Investor Relations
• Environment
• Supplier Information
• TD Newsroom

Other TD Businesses

• TD Commercial Banking
• TD Asset Management
• TD Securities
• TD Auto Finance

U.S. Banking

• TD Bank Personal Banking
• TD Bank Small Business Banking
• TD Bank Commercial Banking
• TD Wealth Private Client Group
• TD Bank Personal Financial Services

For more information about the applicable terms and conditions for each type of reward, please check the links below:

Amazon: https://www.amazon.ca/tdrewards

Starbucks: https://www.td.com/ca/en/personal-banking/products/credit-cards/starbucks/

Gift Cards: https://www.tdrewards.com/catalogue-terms

Pay with Rewards: https://www.tdrewards.com/cash-offer

Expedia For TD: https://www.expediafortd.com/lp/b/open-homepage

Book Any Way: https://www.tdrewards.com/book-any-way/

^®Expedia For TD is operated by Expedia, Inc. at www.ExpediaForTD.com and 1-877-222-6492. The Toronto Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of  Visa  International Service Association; Used under license.