Who this card is for
A good fit if you…
- Travellers who will book hotels, cars, or packages through Expedia For TD so the 4x category is not a brochure line, and who do not want to pay Platinum or Infinite prices.
- Households that can put groceries, dining, and public transit on this Visa for 3x, plus recurring bills and streaming for 2x.
- Applicants who are Canadian residents of majority age — that is the eligibility text on this card — and have not activated or closed this product in the last 12 months if they want the welcome offer.
- TD customers who want a bank currency they can park until a trip appears, rather than locking into Aeroplan before next year’s itinerary exists.
Skip it if you…
- Anyone who will never open Expedia For TD. Then you are on 3x grocery/dining and 1x on the airfare you bought on the airline site, which a $0 cash-back Visa may match without a catalogue.
- Applicants who will use the portal and can pay a Platinum fee. Platinum Travel currently lists 6x portal travel, 4.5x grocery/dining/transit, 3x bills/streaming, and 1.5x elsewhere.
- People who already meet Infinite income and will live in Expedia For TD. First Class Travel Infinite currently lists 8x / 6x / 4x / 2x on that same shape.
- Air Canada regulars who already think in Aeroplan. TD Aeroplan Visa Platinum credits the program you fly.
Pros and cons
Pros
- No annual fee, with extra cards currently at $0, so TD Rewards do not have to beat a Platinum membership first.
- 4 TD Rewards points per dollar through Expedia For TD is a real portal rate if you were going to book that stay anyway.
- 3x on groceries, dining, and public transit, then 2x on recurring bills and streaming, means everyday spend is not stuck at a dead 1x on the whole statement.
- The current welcome path pays a listed points amount when you hit a modest 90-day spend — a gentler gate than First Class Travel’s 180-day hurdle in that review.
- No Infinite income test in the eligibility text. This is the accessible TD Rewards Visa.
Cons
- The multipliers are a step down from Platinum Travel and two steps down from First Class Travel Infinite on every line in the card’s features.
- TD Rewards redeemed through Expedia For TD or as a statement credit can be worth less than you hoped. Treat the modest listed dollar wrap as marketing, not cash.
- Check the issuer’s site for current insurance coverage. Do not assume travel medical coverage from the Rewards name.
- Eligibility currently excludes people who activated or closed a TD Rewards Visa account in the last 12 months.
- You still pay typical Visa foreign-conversion fees abroad unless TD’s agreement says otherwise — this is not Passport.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $0
- Estimated welcome bonus value
- $50
- Bonus minus fee (estimate)
- $50
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
This is a $0-fee card, with extra cards at $0, so the usual “bonus minus annual fee” snapshot on this page is really the estimated welcome wrap versus nothing. Year one only matches the brochure if you hit the 90-day spend with real bills and would use Expedia For TD.
Year two is $0 versus 4x portal travel, 3x grocery/dining/transit, and 2x bills/streaming. If you will book the portal and grocery is large, Platinum Travel’s higher table can clear an $89-class fee (often waived in year one on that card).
If you already qualify for First Class Travel Infinite, this $0 card is a weaker copy, not a clever hack. If you fly Air Canada on purpose, compare Aeroplan Platinum instead of forcing TD Rewards into a Star Alliance trip.
Offers change. Pay in full.
Rewards and earn rates explained
Rewards program: TD Rewards
This card earns TD Rewards points, TD’s flexible travel currency — not Aeroplan. Purchases through Expedia For TD earn 4 points per dollar.
Groceries, dining, and public transit earn 3. Recurring bill payments and streaming, digital gaming, and media earn 2.
Everything else earns 1. Platinum Travel currently prints 6 / 4.5 / 3 / 1.5 on that same shape; First Class Travel Infinite currently prints 8 / 6 / 4 / 2.
Those multipliers depend on merchant codes: a warehouse club, a restaurant inside a grocer, a bill you pay by e-transfer, or a flight bought on westjet.com can miss the bonus bucket. Points are meant for travel through Expedia For TD and TD’s redemption menu.
This $0 Rewards Visa is the “I do not know which airline, and I will not pay Platinum” card; Platinum Travel is the mid-fee version; First Class Travel is the Infinite version; Aeroplan Platinum is the “I fly Air Canada” Platinum.
Welcome bonus: how to unlock it
Earn 15,152 TD Rewards Points
The current offer pays a listed amount of TD Rewards points when you spend a listed amount within 90 days of opening, with a modest estimated dollar wrap. You need that spend hurdle to match the headline.
Eligibility currently excludes customers who activated and/or closed a TD Rewards Visa account in the last 12 months. Hit the 90-day number with grocery and a booking you would make anyway; do not force extra spend if that is not already in the budget.
This is a gentler hurdle than First Class Travel’s current 180-day gate in that review — still read TD’s live terms.
Welcome bonus eligibility: This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months.
FAQ
Is the TD Rewards Visa Card worth it in 2026?
It is worth it when you will book through Expedia For TD, grocery and dining spend will use 3x, and you want TD Rewards at $0. It is not worth it as an Aeroplan substitute, as a Platinum Travel stand-in if you will pay that fee, or as a card you plan to revolve.
TD Rewards Visa vs TD Platinum Travel vs First Class Travel Infinite?
This $0 card currently lists 4x Expedia For TD, 3x grocery/dining/transit, 2x bills/streaming, and 1x elsewhere. Platinum Travel currently lists 6x / 4.5x / 3x / 1.5x at a Platinum fee. First Class Travel Infinite currently lists 8x / 6x / 4x / 2x at Infinite income. Choose the lowest rung that still matches portal use and what you can pass.
TD Rewards Visa vs TD Aeroplan Visa Platinum?
Aeroplan Platinum pays Aeroplan for Air Canada and partners, with 1x grocery/gas/Air Canada and a weaker catch-all, at a Platinum fee. This card pays TD Rewards for flexible travel via Expedia For TD at $0. Choose Aeroplan if Star Alliance is already the plan. Choose Rewards Visa if the airline is undecided, you will use the portal, and you wanted $0.
TD Rewards Visa vs TD Cash Back Visa?
TD Cash Back Visa pays 1% / 0.5% Cash Back Dollars at $0. This card pays TD Rewards points on a travel-shaped stack. Choose cash back if you wanted dollars. Choose Rewards if you will book Expedia For TD and would rather park points for a trip.
Does this card charge foreign-exchange fees?
Most Canadian no-fee Visas add a foreign-conversion fee on foreign-currency purchases. The Rewards Visa is a points card, not a no-FX Passport. For overseas spend, compare Scotiabank Passport Visa Infinite, and confirm TD’s current FX rate in the agreement.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- TD Platinum Travel Visa Card review · TD · $89 annual fee
- TD First Class Travel Visa Infinite Card review · TD · $139 annual fee
- TD Aeroplan Visa Platinum Credit Card review · TD · $89 annual fee
