TD Rewards Visa^* Card

Offer structure

• 15,152 TD Rewards points Bonus after 90 days (no spending requirement)

15,152 TD Rewards points Total with the bonus

‣ Apply for the TD Rewards Visa^* Card

Total rewards by unlocking the welcome bonus

• 15,152 TD Rewards points Welcome bonus
• 1,500 TD Rewards points Estimated earn on the minimum spending requirement of $500 (at multiplier earn rate of 3 pts/$)

16,652 TD Rewards points Welcome bonus + earn on the minimum spending requirement to unlock it

‣ Apply for the TD Rewards Visa^* Card

Net value (at our Flytrippers Valuation of 0.5¢/pt)

• $76 Bonus after min. spend (15,152 pts)
• $7 Earn on the required spending (1,500 pts)
• –$0 Card fee (no annual fee)

$83 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

16.6% Return on the minimum spending requirement of $500 in 90 days

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

$83 Rewards you get for $0 in fees paid

‣ Apply for the TD Rewards Visa^* Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 16.652 TD Rewards points you get by unlocking the welcome bonus:

• $83 Travel booked on Expedia for TD
• $67 Travel booked on any website
• $55 Merchandise on Amazon
• ≈ $55 Gift cards
• ≈ $55 Merchandise
• $42 Statement credit

‣ Details about the best redemptions of TD Rewards points (coming soon)

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Value of redemption options (per point)

For each available redemption option, here is the value per TD Rewards point to help you understand:

• 0.5¢ Travel booked on Expedia for TD
• 0.4¢ Travel booked on any website
• 0.33¢ Merchandise on Amazon
• ≈ 0.33¢ Gift cards
• ≈ 0.33¢ Merchandise
• 0.25¢ Statement credit

‣ Details of the value per point

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 16,652 TD Rewards points for:

• 1,000 pts Discount of $5 on travel booked on Expedia for TD
• 10,000 pts Discount of $50 on travel booked on Expedia for TD
• 16,652 pts Discount of $83 on travel booked on Expedia for TD

‣ Details about the best redemptions of TD Rewards points (coming soon)

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Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 16,652 TD Rewards points for:

• 1,000 pts Discount of $4 on travel booked on any website
• 10,000 pts Discount of $40 on travel booked on any website
• 16,652 pts Discount of $67 on travel booked on any website

‣ Details about the best redemptions of TD Rewards points (coming soon)

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Redemptions for anything other than travel

Should always be avoided, as with (almost) all rewards!

‣ Details about why you should always use your rewards for travel

Starbucks partnership^†
You get 50% more TD Rewards points and 50% more Stars.

‣ Details about the TD and Starbucks partnership (coming soon)

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10% discount on rental cars^†
Save 10% at Avis and Budget in Canada and the USA and at least 5% at international locations.

‣ Details about the TD car rental benefit (coming soon)

Insurance included

• Extended warranty on purchases^†
• Protection insurance on purchases^†
• Mobile device insurance^†

‣ Details about the insurance coverage included with the card (coming soon)

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Insurance not included (among the main types)

• Medical travel insurance
• Flight delay insurance
• Trip cancelation insurance
• Trip interruption insurance
• Travel accident insurance
• Delayed and lost baggage insurance
• Rental car insurance
• Hotel burglary insurance

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

4 points per $ (2%):

• Travel booked through Expedia For TD^†

3 points per $ (1.5%):

• Groceries^†
• Indirectly at all retailers from the gift cards displays in grocery stores^†
• Restaurants^† (and food delivery apps)

2 points per $ (1%):

• Recurring bill payments set up on your Account^†

1 point per $ (0.5%):

• All other purchases^†

Pooling (with additional cards)
You can pool TD Rewards points with additional cards (“joint” cards) added to this account. Additional cards have no fee.

‣ Details about pooling rewards with additional cards (coming soon)

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Pooling (with separate cards that earn TD Rewards points)
You can pool points across your separate cards that earn TD Rewards points.

‣ Details about pooling TD Rewards points from separate cards (coming soon)

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Pooling (with travel companions)
You cannot pool TD Rewards points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling TD Rewards points with travel companions (coming soon)

Expiration (if you have the card)
TD Rewards points never expire as long as you have the TD Rewards Visa^* Card!

‣ Details about TD Rewards points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 3 options to easily keep your TD Rewards points from expiring even without the card:

• Keep your card open instead of closing it since it has no fee anyway
• Combine points with those from another card that earns TD Rewards points
• Redeem points in the 90 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the TD Rewards Visa^* Card
• Spend $500 (in a maximum of 90 days) to unlock bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to use/manage rewards

• Create a TD online account in a few clicks
• Use/manage your TD Rewards points on the TD website

‣ Learn more about how to use/manage TD Rewards points (coming soon)

Card eligibility

• Minimum income: $0^†
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: Equifax Canada

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have activated or closed the TD Rewards Visa^* Card in the past 12 months.

‣ Details about credit card welcome bonus eligibility rules (coming soon)

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Offer end date
Offer effective as of January 7, 2025.

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

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Summary of card details

• Issuer: TD Bank Canada (Toronto-Dominion)
• Network: Visa
• Card type: Credit card
• Product type: Personal card
• Rewards: TD Rewards points
• Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $0^†
• Fee for optional additional card: $0^†
• Foreign transaction fee: 2.5%^†
• Balance transfer fee: 3%^†

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

Purchases: 19.99%^† (20.99% for Québec residents)^†
Funds advances: 22.99% ^† (20.99% for Québec residents)^†

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Earn 15,152 TD Rewards Points^† (a value of $50 on Amazon.ca^†) when you spend $500 within 90 days of Account opening^†. Conditions apply. Offer effective as of January 7, 2025.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

Your card also allows you to enjoy: 

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia^® For TD, Starbucks^® and more. 
• Mobile device insurance of up to $1000 if you lose or damage your phone.  

• Booking your travel through Expedia^® For TD^† to maximize the TD Rewards Points you can earn on your travel purchases 
• 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. 
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.  

• Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia^® For TD^† 
• Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants^†. 
• Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account^† 
• Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† 

• Earn big rewards on the little things. 

Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks^® stores. You can also turn Points into morning coffee by redeeming your TD Rewards Points for Stars at Starbucks. Simply link your TD Rewards Visa Card to your Starbucks^® Rewards account. Conditions apply.  

• TD Payment Plans  

Easily turn purchases of $100 or more into manageable 6,12 or 18 month Payment Plans. Conditions apply. 

• Save with Avis Rent-A-Car and Budget Rent-A-Car^† Use your TD Credit Card to save a minimum of 10% off the lowest available base rates^† in Canada and the U.S., and a minimum of 5% off the lowest available base rates^† internationally, on qualifying car rentals at participating Avis and Budget locations. 

• Mobile Device Insurance^† Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices. 
• Purchase Security and Extended Warranty Protection ^† - You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.