Start here: TD Rewards — earn, redeem through Expedia For TD and keep your points

Step 1: What TD Rewards is and who it suits

You will learn: what the TD Rewards terms are, which cards they define points for, and whether you are in scope.

The TD Rewards Program Terms and Conditions form part of your Cardholder Agreement, replace all previous versions, and a copy is available at td.com/agreements [1]. Activating, accessing or using your Card or the Account means you have agreed to, received and read all documents that make up the Agreement, including these terms [1]. In the terms, TD means The Toronto-Dominion Bank, Cardholder means the Primary Cardholder and any Additional Cardholder, and TD Rewards Points are defined for the TD First Class Travel Visa Infinite Credit Card and/or the TD Rewards Visa Credit Card or TD Platinum Travel Visa Credit Card [1]. TD Rewards Points have no monetary value unless they are redeemed as a statement credit to the Account linked with the Program [1].

Who it suits: holders of one of those three TD credit cards, since the terms define TD Rewards Points by reference to them [1].

Go deeper: Canadian card points programmes compared, Start here: cards and transfers.

Step 2: How you join: your card and Good Standing

You will learn: why there is no separate enrolment and what Good Standing means for earning.

There is no separate enrolment described in the terms: TD Rewards Points are reward points you earn when you make qualifying Purchases with the Account linked with the Program [1]. The Account linked with the Program must be open and in Good Standing to earn points, and if you cannot make a Purchase because the Account is not in Good Standing and TD has restricted the Account's ability to make Transactions, you cannot earn TD Rewards Points [1]. Good Standing means that you are following what you are required to do, or not do, under the Agreement [1].

An Additional Cardholder is a person TD has added to the Account at the Primary Cardholder's request, who has access to the Account and has been issued a Card connected with the Account [1]. For when the Account is not considered in Good Standing, the terms refer you to the Cardholder Agreement [1].

Go deeper: Authorized user, Card selection framework.

Step 3: How earning works

You will learn: which Purchases earn points, what does not, and why the rate can change during the year.

Points are earned only on the net Purchases charged and posted to the Account, so credits for refunds, returned items and other similar credits for Purchases reduce or cancel the points earned [1]. You do not earn points on cash advances (including balance transfers, cash-like transactions and TD Visa Cheques), interest charges, fees, adjustments, refunds, or rebates and other similar Account credits [1].

You earn in only one of the Purchase Categories for a qualifying Purchase, and points earned through a Purchase Category are in place of, and not in addition to, the Base Earn Rate [1]. The number of points you can earn depends on the type of TD Credit Card you have; earn rates and any Annual Caps are set out in the chart in the terms and differ by card and Purchase Category [1]. Where an Annual Cap is shown, the category Earn Rates stop applying once your total Purchases in that category exceed the cap in a year, and you earn the Base Earn Rate in that category for the remainder of the year, which runs after your first statement period in January until the end of your statement period the following January [1].

Qualifying Purchases posted to the Account are rounded up or down to the nearest whole dollar before points are applied [1]. Purchase Categories are determined using the Merchant Category Codes the Visa payment network uses for a merchant, and TD reserves the right to determine which Earn Rate a qualifying Purchase will earn [1]. Travel Purchases made with a travel supplier that is not Expedia For TD, including Travel Purchases made with Expedia Inc., qualify for the Base Earn Rate [1].

Go deeper: Canadian card points earning rates compared, Earning rate, Card earning cap.

Step 4: How to use points

You will learn: the conditions for redeeming and the two routes the terms describe.

To redeem, the Account connected with the Program must be open, active and in Good Standing [1]. If you miss making 2 minimum payments in a row you cannot redeem until the Account is in Good Standing, and if you do not earn or redeem any points for a period of 1 year or more the Account is considered inactive for the purpose of the Program [1]. The Primary Cardholder or any Additional Cardholder can redeem, and TD relies on the first set of instructions it receives [1]. Points earned for Purchases that have not yet been posted to the Account cannot be redeemed [1].

Through Expedia For TD you redeem at the time you make your Travel Purchase, using all or some of your points, and every 200 points are worth $1, in increments of 200 points at the time of booking [1]. If you cover part of a Travel Purchase with points and charge the rest to the TD Credit Card connected with the Program, you earn points only on the net amount of Travel Purchases charged to the Account [1].

Other Redemption Options include Travel Purchases made through a travel agency, supplier or provider that is not Expedia For TD; they are limited-time promotional offers with additional terms available at the time you redeem, and TD does not have to provide them and can cancel or change them [1]. For Other Redemption Options, points can be redeemed for a minimum value of 400 points per $1 [1]. TD will not statement credit the Account for more than the full amount of any Purchase, and if points are redeemed for a credit to the Account you still need to pay the full minimum payment on the Payment Due Date, unless otherwise disclosed at the time of redemption [1].

Go deeper: Canadian card points redemption options compared, Canadian card points value compared, Card points statement credit.

Step 5: Keeping points: no tiers, expiry and changes

You will learn: how to check your balance, when points are forfeited, and how the rules differ for Quebec.

The terms describe no status tiers. You can view your balance through EasyWeb or the TD Mobile App, on the Account's statement, by phone, or in any other manner TD allows [1]. You must review your balance on each statement and contact TD about errors within 30 days from the statement date; after that, the balance and TD's records are considered correct [1].

Points do not expire and are not forfeited so long as the Account remains open, active and in Good Standing and the Agreement has not ended [1]. Beyond that:

• If the Account is in Good Standing and the Primary Cardholder closes it, points must be redeemed within 90 days of closing, and redemption options may be limited; otherwise they expire and are forfeited [1].
• If TD closes the Account, then for Residents Outside of Quebec all points expire and are forfeited immediately; for Residents of Quebec, points expire immediately if the Account is closed because it is not in Good Standing, and otherwise TD gives written notice that points will expire by a specified date [1].
• If the Account is inactive, TD may close it and will give written notice that points will expire by a specified date [1].
• If the Program is terminated, points may be redeemed only within 90 days from the date of TD's notice [1].
• On a transfer to another TD Credit Card that has a TD Rewards Program, points transfer one-to-one to the new Account; on a transfer to a card without TD Rewards, points must be redeemed within 90 days of the transfer by phone [1].
• On the death of the Primary Cardholder, if TD is notified within 1 year of the date of death, the executor or an authorized representative may instruct a statement credit within 90 days of notification, or transfer to an Account linked to the Program where the Beneficiary is the Primary Cardholder and the Account is open and in Good Standing; if notified later, points cannot be redeemed and are forfeited [1].

Points cannot be sold, bartered or assigned, and attempts make them void; they cannot be divided or transferred in the event of separation or divorce [1]. TD may change, replace, add or remove any section of the terms, and for Residents Outside of Quebec notice may be given by statement message or another way, with acceptance by using or activating a Card or the Account, keeping the Account open, or leaving a balance unpaid [1]. For Residents of Quebec, TD notifies between the 60th and 90th day before changes are effective, with the original and changed clause, the effective date, and the right to cancel the Agreement and close the Account without cost or penalty if the change increases your obligations or decreases TD's obligations, exercised no later than 30 days after the change comes into effect [1].

Go deeper: Canadian card points expiry compared, Transferable points when closing a card, Card points expiry.

Step 6: Your first concrete action

You will learn: the sequence to follow now, from confirming your card to protecting the balance you hold.

1. Confirm your card is the TD First Class Travel Visa Infinite, TD Platinum Travel Visa or TD Rewards Visa, and read the TD Rewards Program Terms and Conditions [1].
2. Check your points balance in EasyWeb or the TD Mobile App and review each statement, reporting any error within 30 days from the statement date [1].
3. Pay at least the minimum payment every month, because missing 2 minimum payments in a row blocks redemption until the Account is in Good Standing [1].
4. Earn or redeem at least once a year, so the Account does not become inactive for the purpose of the Program [1].
5. Before closing your Account or switching cards, plan your points: if you close the Account while it is in Good Standing, you have 90 days from closing to redeem; if you transfer to a TD card without a TD Rewards Program, you have 90 days from the transfer; or move the points to another TD card that has a TD Rewards Program; for Travel Purchases through Expedia For TD, use expediafortd.com [1].

Next: Choose your main programme, Canadian card points programmes compared, Authorized user.