Earn Rates
💡 8x Expedia For TD. 6x groceries, dining, transit. 4x streaming and recurring bills. 2x everything else. Birthday bonus up to 10K points annually.
Welcome Bonus
Smart Bonus Strategy — Earn 180,000 points
Spend $7,500 within 6 months
First purchase bonus
one purchase required20,000 pts × 0.5¢+$100Minimum spend bonus
Spend $7,500 in 6 months
optimal stop145,000 pts × 0.5¢+$725Min. spend earnings15,000 pts × 0.5¢+$75
Annual benefits$100 annual TD Travel Credit on Expedia For TD bookings, 4 lounge visits via Visa Airport Companion+$100
Annual fee (waived yr 1)$0
Net first-year value+$1,000
Not Included in Smart Bonus Strategy
Birthday bonus up to 10,000 TD Rewards Points annually
Renewing the card unlocks this bonus — factor in whether the benefit and/or points justify paying the annual fee.
10,000 pts × 0.5¢+$50Annual Rewards Calculator
Based on average spending, you could earn
$596
conservative est.·up to $596 optimistic
Annual Benefits
$100 annual TD Travel Credit on Expedia For TD bookings, 4 lounge visits via Visa Airport Companion
Value: $100 first year
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