TD Rewards

What TD Rewards is

TD organises its Canadian credit cards into categories that include cash back, Aeroplan points and TD Travel Rewards, alongside no-annual-fee, low-rate, U.S. dollar, business and student cards. [4] TD Rewards Points sit with the travel rewards group rather than the cash back or Aeroplan groups. [4] TD also lists a TD Rewards Program page for existing cardholders within its credit-card navigation. [4] [7]

The card that carries the most detail on TD's pages is the TD First Class Travel® Visa Infinite* Card, which earns TD Rewards Points and is advertised with a $139 annual fee, 21.99% interest on purchases and 22.99% on cash advances. [4] TD states that annual interest rates, fees and features are current as of 1 September 2026 unless otherwise indicated and are subject to change. [4] The card account can carry up to three additional cardholders. [4]

TD does not present TD Rewards as one rulebook for all of its cards. [4] The earn and bonus figures shown on the credit-card page are attached to the specific card and offer described there, so a figure read on one card page should not be assumed for another TD card. [4]

Earning points

Points are earned by making purchases on the card, and TD credits bonus points to a TD Rewards Account once the qualifying conditions are met. [4] For the TD First Class Travel® Visa Infinite* Card, an offer effective 1 September 2026 pairs a 20,000-point welcome bonus, awarded after the first purchase, with an additional 140,000 points for $7,500 in net purchases within 180 days of account opening. [4] The same offer includes a first-year annual fee rebate for the primary cardholder and the first additional cardholder. [4]

TD also describes a birthday bonus: 10% of the TD Rewards Points earned on the card over the 12 months before the primary cardholder's birthday, capped at 10,000 points, which TD values at up to $50 in travel booked through Expedia For TD. [4] Points previously earned on other rewards cards, acquisition bonus points and other promotional rewards points do not count towards that birthday calculation. [4]

A further earning route is a travel credit rather than points: TD advertises a $100 annual TD Travel Credit when a cardholder books through Expedia for TD. [4] The offer terms tie it to a first eligible travel credit purchase of $500 or more made through Expedia For TD. [4]

Redeeming points

TD's published redemption benchmark is travel through Expedia For TD, where every 200 TD Rewards Points reduce the travel cost by $1. [4] Because the relationship is fixed at 200 points to the dollar rather than priced per seat or per room, TD Rewards behaves like a set-value points currency for that channel. [4] The glossary explains this structure under fixed-value points.

Two details matter when reading that figure. First, the $1 saving is stated for Expedia For TD bookings, so it describes one redemption channel and not necessarily every way points might be used. [4] Second, the travel credit described in the card offer requires a qualifying booking of $500 or more through the same channel before the $100 credit applies. [4]

Readers weighing a bank points currency against a transferable one can read transfer ratio and earning rate; the absence of a published transfer partner here should be treated as an unanswered question rather than a confirmed one. [4]

Limits and offer conditions

• Offer eligibility. The TD First Class Travel® Visa Infinite* offer is not available to customers who activated and/or closed an account for that card in the previous 12 months, and the account must be approved, open and in good standing while the offer is in effect. [4]
• Timing. Bonus points are credited to the TD Rewards Account, and TD asks customers to allow up to eight weeks after each offer's conditions are fulfilled. [4] The first additional cardholder's annual fee rebate is applied within two monthly statements of the statement carrying the first annual fee charge. [4]
• Forfeiture. Closing the card account or transferring to another TD credit card may result in forfeiture of bonus points not yet awarded. [4]
• Discretion and change. TD reserves the right to limit the number of accounts opened by, and the number of TD Rewards Points awarded to, any one person, and states that offers may be changed, withdrawn or extended at any time. [4] TD also reserves the right to amend the offer on an account to reflect the offer available at activation if the card has not been activated while the offer is in effect. [4]
• Not covered here.

Related pages

Deciding whether a bank points card fits: card selection framework and choose your main programme. Terms used above: fixed-value points, earning rate, transfer ratio, and the full glossary.

Sources

Sources accessed on 18 October 2026. It covers TD Rewards on TD's Canadian credit cards only; TD's Aeroplan cards and the Aeroplan programme, other Canadian bank rewards currencies, and airline and hotel programmes are not covered here.

1. TD Canada Trust credit cards: card categories, TD Rewards Points offers and offer terms, checked 18 October 2026
2. TD Canada Trust personal banking: credit card and TD Rewards Program navigation, checked 18 October 2026