TD Bank Credit Card Rewards: A Comprehensive Guide

TD Bank credit cards offer rewards programs that cater to different needs and preferences.

TD Cash Credit Card rewards are earned as 1% cash back on all purchases, with no rotating categories or spending limits.

If you're looking for a more flexible rewards option, the TD Rewards Credit Card offers points that can be redeemed for travel, gift cards, or other merchandise.

One benefit of the TD Rewards Credit Card is that it doesn't charge foreign transaction fees, making it a great choice for international travel.

TD Rewards Points are a type of credit card reward that can be redeemed for travel, merchandise, gift cards, statement credits, and more.

You can earn TD Rewards Points on select TD Credit Cards, which can be used towards purchases on Amazon.ca with Amazon Shop with Points.

With a TD Credit Card, you can earn rewards such as Aeroplan points, which can be redeemed for travel rewards.

TD Travel Rewards is also an option, allowing you to earn rewards specifically for travel.

If you're looking for a card with no annual fee, you can consider one of the options that offers this feature.

Earning rewards with a TD Bank credit card is a great way to get something back for your spending. You can earn rewards points on all eligible purchases, including groceries, gas, and travel.

To maximize your rewards earnings, consider your personal spending habits and choose a card that aligns with those habits. For example, if you spend a lot on gas, look for a card that offers bonus points for gas purchases.

Some TD Bank credit cards offer accelerator categories that earn you more points for certain types of purchases. For instance, the TD First Class Travel Visa Infinite Card earns 8 TD Rewards per dollar when booking travel on Expedia For TD.

Here's a breakdown of the earn rates for various purchase categories on some TD Bank credit cards:

By paying attention to these earn rates and choosing the right card for your spending habits, you can earn more rewards points and get the most out of your TD Bank credit card.

You can redeem your TD Bank credit card rewards in several ways. One option is to use Expedia For TD, which offers the most value for redemptions, especially for travel purchases after the first $1,200.

Expedia For TD is a great choice for travel enthusiasts, as it provides the best value for your rewards. This option is particularly beneficial for those who spend a lot on travel expenses.

Another option is to "Book Any Way" travel purchases, which also offers great value, especially after the first $1,200 in travel expenses. This option is similar to Expedia For TD but offers more flexibility in terms of travel arrangements.

If you prefer to shop online, you can redeem your rewards for gift cards or merchandise at Amazon.ca. However, keep in mind that these options are less valuable than Expedia For TD and "Book Any Way" travel purchases.

Redeeming for cash is another option, which is equal in value to gift cards. This can be a good choice if you need cash for unexpected expenses or want to put it towards a specific bill.

Merchandise is the least valuable redemption option, so it's best to save it for non-essential items or gifts.

The value of TD Bank credit card rewards is a crucial aspect to consider when deciding which card to use. The value of a TD Reward point depends on what you redeem your points for, with different redemption categories having different values or costs per point (CPP).

Redeeming points for travel purchases through ExpediaForTD.com offers the best value, with a CPP of $0.005. This is followed by "Book Any Way" travel purchases, which offer a CPP of $0.004 on the first $1,200 spent and $0.005 over that amount.

If you're looking to redeem your points for cash, gift cards, or merchandise, the value is lower, with a CPP of $0.0025 or $0.002.

In terms of comparison, ExpediaForTD.com and "Book Any Way" travel purchases offer the most value for your redemptions, followed by "Shop With Points" at Amazon.ca. Gift cards and redeeming for cash are equal in their value, and merchandise is the least valuable redemption option.

Here's a breakdown of the CPP for each redemption category:

The TD Cash Card has a range of fees to be aware of, including a Balance Transfer Fee of $5 or 3% of the transfer, whichever is greater.

The card also has a Cash Advance Fee of $10 or 5% of the advance, whichever is greater. This can add up quickly, so it's essential to understand these fees before making any transactions.

Here are some key fees to keep in mind:

Rates and fees are a crucial aspect of any credit card, and the TD Cash Card is no exception. The APR for purchases on this card can range from 19.49% to 29.49% variable, depending on your creditworthiness.

The TD Cash Card also offers a 0% introductory APR for balance transfers for the first 15 billing cycles after account opening. After that, the APR for balance transfers becomes 19.49%, 24.49%, or 29.49% variable, based on your creditworthiness.

You'll need to be aware of the balance transfer fee, which is $5 or 3% of the transfer, whichever amount is greater.

The minimum interest charge on this card is $1.

If you need cash, be aware that the APR for cash advances is 29.74% variable.

You'll also be charged a cash advance fee, which is $10 or 5% of the advance, whichever amount is greater.

One good thing about the TD Cash Card is that it has no annual fee.

If you're traveling abroad, be aware that there's a foreign transaction fee of 3% of each transaction in U.S. dollars.

Finally, be aware that late payment and return payment fees can reach up to $40 each.

The TD Cash Back Visa* Card offers a simple rewards program, earning you Cash Back Dollars that can be redeemed to pay down your account balance. This is a great option for those who want a straightforward cash back program.

The TD Rewards Visa* Card stands out with a $50 value in TD Rewards Points for eligible Amazon.ca purchases, plus no annual fee. This is a great deal for online shoppers.

The TD Cash Secured credit card is designed for building or mending credit, with a credit line between $300 and $5,000 secured by a savings account. You can earn unlimited 1% cash back on all eligible purchases.

Some secured credit cards, like the Discover it Secured Credit Card, have lower minimum required deposits and offer more rewards, such as 2% cash back at gas stations and restaurants.

If you're a business owner, you're likely looking for a credit card that rewards you for your spending. The TD Business Travel Visa* Card offers a value of up to $1,122 in TD Rewards Points, which can be redeemed for full Annual Fee Rebates in the first year.

You can also earn up to 50,000 Aeroplan points with the TD Aeroplan Visa* Business Card, which can be redeemed for full Annual Fee Rebates in the first year. This is a great option if you want to earn rewards points that can be redeemed for travel.

The TD Business Cash Back Visa* Card is designed to help you invest back into your business with Cash Back Dollars. This card is a straightforward option for earning cash back rewards.

You can redeem your TD Rewards points for travel, merchandise, gift cards, and more. You can even use your TD Rewards Points towards purchases on Amazon.ca with Amazon Shop with Points.

The TD Double Up℠ Credit Card offers an unlimited 2% back on all purchases, making it a top-notch pick for those who want a simple but solid earnings structure.

Booking travel through Expedia For TD gives you the highest redemption value of any TD Rewards redemption category at $0.005 CPP. This means you'll earn more TD Rewards points every time you book travel through Expedia For TD.

You can earn up to $1,000 in value, including up to 135,000 TD Rewards Points, with the TD First Class Travel Visa Infinite Card. Conditions Apply.

The TD First Class Visa Signature card earns First Class miles that can be redeemed for cash back, travel, merchandise, and gift cards. Cardholders receive 3 miles per $1 spent on travel and dining purchases.

Here are some of the TD credit cards that offer rewards and perks:

Maximizing TD Bank credit card rewards requires a strategic approach.

To earn the most TD Rewards, use your TD Rewards or Travel Rewards card to pay for everything. This way, you'll earn TD Rewards on every purchase.

Book all travel through Expedia For TD to get the highest redemption value of any TD Rewards redemption category. You'll earn $0.005 CPP, which is the best value for your redemption.

Pay for everything with a TD credit card to earn the most TD Rewards. This will give you more TD Rewards points every time.

Here's a breakdown of the different redemption categories and their corresponding CPP values:

By understanding the CPP values, you can make informed decisions about how to redeem your TD Rewards for the best value.

If you're looking for a TD credit card that earns cash back, the TD Cash Back Visa* Card is a great option. You can earn cash back dollars that can be redeemed to help pay down your account balance.

The TD Rewards Visa* Card is another great choice if you want to earn rewards points that can be used on eligible Amazon.ca purchases. With this card, you can earn a value of $50 in TD Rewards Points, and there's no annual fee to worry about.

If you're a frequent traveler, the TD First Class Travel® Visa Infinite* Card is worth considering. You can earn up to $1,000 in value, including up to 135,000 TD Rewards Points, and there's no annual fee for the first year.

The TD First Class Visa Signature card is a great option if you want to earn miles that can be redeemed for cash back, travel, merchandise, and gift cards. With this card, you can earn 3 miles per $1 spent on travel and dining purchases, and 1 mile per $1 spent on everything else.

Here are some key features of the TD First Class Visa Signature card:

Overall, the TD First Class Visa Signature card is a great option if you want to earn miles that can be redeemed for a variety of rewards.

The TD First Class Visa Signature card is a solid choice for those who want to earn rewards on travel and dining purchases. It earns 3 miles per $1 spent on these categories, and 1 mile per $1 spent on everything else.

One of the benefits of this card is its sign-up bonus, which can be worth up to 25,000 miles. To receive this bonus, new cardholders must make their first purchase within 6 months of account opening and spend $3,000 within 6 months of opening.

The card also comes with an introductory 0% APR offer on balance transfers, which can be a great perk for those looking to consolidate debt or make a large purchase. This offer is a great way to save money on interest charges.

The annual fee for this card is $89, but it's waived the first year. This is a relatively low fee compared to other credit cards on the market.

Here's a summary of the key benefits of the TD First Class Visa Signature card:

If you're in the market for a new credit card, you may want to consider TD's offerings. TD offers a range of credit cards, including those with cash back rewards and travel rewards.

TD's cash back credit cards offer a low rate and no annual fee, making them a great option for those who want to earn rewards without breaking the bank. Some cards also offer U.S. dollar options, which can be useful for those who frequently make purchases across the border.

TD's travel rewards credit cards, on the other hand, offer a chance to earn Aeroplan points, which can be redeemed for flights and other travel-related expenses. These cards often come with no annual fee and low rates.

Here are some key features of TD's credit cards:

Overall, TD's credit cards offer a range of options for those looking to earn rewards and save money on their purchases.

To redeem your TD Bank credit card rewards for gift cards and merchandise, you'll want to log in to TDRewards.com and click on "Redeem" then "Merchandise". You'll shop as usual, selecting what you want to redeem points for, and then proceed to checkout.

Keep in mind that gift cards and merchandise are the lowest-value redemption options, with a CPP (cents per point) of $0.002 and $0.0025, respectively. This means you'll get very little return for your points.

Here are the steps to redeem your points for gift cards and merchandise in more detail:

It's worth noting that redeeming your points for gift cards and merchandise isn't the most recommended option, as you'll spend a lot of points for very little return. Consider redeeming your points for travel through Expedia For TD or "Book Any Way" travel purchases instead, as you'll get a lot more value for your redemptions.

To earn more rewards, consider your spending habits and choose a card that aligns with them. You can earn 3% Cash Back on your chosen Spend Categories, such as Dining or Entertainment.

Every quarter, you can select new categories to earn more rewards on. You can choose from Dining, Entertainment, Gas, Grocery Stores, or Travel.

The right credit card for you depends on your needs and preferences. If you tend to purchase groceries or gas consistently, look for a card that earns more points on those categories.

Consider the annual fee and income requirements of a card before applying. If there's an annual fee, think about whether you'll spend or redeem enough to offset the cost.

To make the selection process easier, answer a few simple questions and our Credit Card Selector Tool will suggest a card based on your responses.