TD Rewards is TD Canada Trust's official rewards program that allows eligible TD credit cardholders to earn points on various purchases. Points can later be redeemed for travel, cash back, gift cards, online shopping, and Starbucks Stars.
Although it's relatively easy to earn TD points and rewards, the value of these points isn't as impressive as other credit card programs. This article reviews the various ways to earn and redeem points, and offers tips on how to make the most of this rewards program.
Key Takeaways
- TD Rewards members can earn points by using a TD credit card, shopping with program partners, and taking advantage of bonus offers.
- There are 6 TD Rewards redemption categories worth up to 0.67 cents CAD each.
- The best TD Rewards credit card is the TD First Class Travel Visa Infinite Card.
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What are TD Rewards?
TD Canada Trust runs the TD Rewards program. You'll need 1 of 4 TD Rewards credit cards to start collecting TD Rewards points.
Save up enough points, and you can redeem them in one of 6 categories: cash, gift cards, online shopping, Starbucks Stars, Expedia For TD, and other travel.
TD Rewards overview
Currency: TD Rewards points
Rewards categories: Book any travel, Expedia For TD, redeem for cash, shop with points at Amazon.ca, Starbucks Stars, gift cards
Pros:
- Access to 55+ gift card brands
- 6 rewards categories
- 4 TD Rewards credit cards
- 4 eligible purchase categories
- Points worth up to 0.67 cents CAD each
- No travel reward blackout dates or seat restrictions
- Points can be redeemed towards any travel purchase
Cons:
- $5,000 – $25,000 annual cap on eligible grocery and restaurant purchases
- Points worth as little as 0.25 cents CAD each
- Points expire after 1 year of inactivity, or 90 days after cancelling a credit card
- A TD credit card is required
What are TD Rewards points worth?
TD Rewards points have a value of 0.25 – 0.5 cents per point (CPP) in most redemption categories.
You can redeem TD Rewards points in several ways, ranked here from most to least valuable:
| Redemption Category | Options | Cents-Per-Point Value |
|---|---|---|
| Expedia For TD | * Activities * All-inclusive resorts * Car rentals * Cruises * Flights * Hotels * Vacation packages | * 0.5 CPP |
| Starbucks Stars | * Starbucks food and drinks * Starbucks merchandise | * 0.5 – 0.67 CPP |
| Book any travel | * Accommodation expenses * Activity expenses * Transportation expenses | * 0.4 CPP (per first $1,200) * 0.5 CPP (per remainder over $1,200) |
| Shop with points at Amazon.ca | * Any non-excluded Amazon purchase | * 0.33 CPP |
| Gift cards | * eGift cards * Gift cards | * 0.25 CPP |
| Redeem for cash | * Credit card statement credits | * 0.25 CPP |
TD Rewards calculator
If you want to maximize your TD Rewards points, it pays to know what each redemption option is worth. We've saved you the hassle of figuring out each redemption value by creating our own TD Rewards calculator.
Enter the number of points, and you'll see what each redemption option is worth. We also provide your best and worst choices.
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Travel from Expedia For TD | 0.5 cents | $50 |
| Any travel | 0.4 cents | $40 |
| Amazon | 0.33 cents | $33 |
| Gift Cards | 0.25 cents | $25 |
| Statement credits | 0.25 cents | $25 |
| Merchandise | 0.23 cents | $23 |
How to earn TD Rewards points
The only way to earn TD Rewards points is to use a TD credit card. You can earn up to 9 TD Rewards points per dollar – except on bank fees, cash advances, interest charges, and refunds.
Plus, if you link your TD account with your Starbucks Rewards account, you can also earn Starbucks Stars while racking up TD Rewards points.
Best TD Rewards credit cards
TD offers credit cards exclusively through the Visa network, which is widely accepted worldwide. Combined with its rewards, this makes TD a solid choice for travel credit cards.
Here are some of our favourite TD Rewards cards:
| Card Name | Annual Fee | Rewards | Welcome Bonus | Learn More |
|---|---|---|---|---|
| TD First Class Travel Visa Infinite Card | $139 | * 8 points per $1 spent on travel booked online through Expedia For TD * 6 points per $1 spent on groceries, restaurants, and public transit * 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media * 2 points per $1 spent on all other purchases |  $100 GeniusCash + Up to 160,000 bonus points (terms) | Learn more |
| TD Platinum Travel Visa Card | $89 | * 6 points per $1 spent on travel booked online through Expedia For TD * 4.5 points per $1 spent on groceries, restaurants, and public transit * 3 points per $1 spent on recurring bill payments, streaming, digital gaming, and media * 1.5 points per $1 spent on all other purchases | Up to 50,000 bonus points (terms) | Learn more |
| TD Rewards Visa Card | $0 | * 4 points per $1 spent on travel booked online through Expedia For TD * 3 points per $1 spent on groceries, restaurants, and public transit * 2 points per $1 spent on recurring bill payments, streaming, digital gaming, and media * 1 point per $1 spent on all other purchases | Up to 15,152 bonus points (terms) | Learn more |
| TD Business Travel Visa Card | $149 | * 9 points per $1 spent on travel booked online through Expedia For TD. * 6 points per $1 spent on dining, EV charging, streaming, and foreign currency purchases. * 2 points per $1 spent on all other purchases. | Learn more |
TD First Class Travel® Visa Infinite* Card
GC: $100
Let's start with the card that gives you the biggest bonus and some of the best earn rates: the TD First Class Travel Visa Infinite Card.
The annual fee is steep, but the card offers travel perks that help offset it. You'll earn up to 8 points per $1 spent through Expedia For TD, get an annual $100 travel credit, and enjoy 12 types of insurance coverage. Plus, the annual fee is waived for the first year, so you can try the benefits before you start paying.
Pros:
- Up to 160,000 welcome bonus points
- 12 types of insurance coverage
- Annual $100 travel credit
Cons:
- High income requirements
TD Platinum Travel Visa* Card
Despite being a platinum card, the TD Platinum Travel Visa Card offers fewer rewards and benefits than the previous card. However, if you don't meet the First Class Travel's high income requirements or you'd like a lower annual fee, the Platinum card might be better for you.
You'll earn up to 6 points per $1 spent on Expedia For TD and enjoy a solid insurance package when you travel. There's no annual travel credit, but the annual fee is waived for your first year.
Pros:
- Up to 50,000 welcome bonus points
- 9 types of insurance coverage
- $89 annual fee waived for the first year
Cons:
- Less insurance coverage than the TD First Class Travel Visa Infinite Card
TD Rewards Visa Card
Next up is the only TD Rewards card with no annual fee: the TD Rewards Visa Card.
With no income requirements, it's a surprisingly accessible way to earn TD Rewards points. The trade-off is a lower earning rate of up to 4 points per $1 spent through Expedia For TD, though you can boost your balance with a welcome bonus of up to 15,152 points.
It includes only basic insurance, but it can still be an ideal starter credit card. It works particularly well for those who like travelling with Expedia and/or don't want to pay for the privilege of using a rewards card.
Pros:
- No annual fee or income requirements
- Up to 15,152 welcome bonus points
Cons:
- Limited insurance coverage
- Low base earn rate leads to a 0.5% return on other purchases
TD Business Travel Visa Card
If you travel frequently for business and primarily use Expedia for booking, the TD Business Travel Visa Card has your name on it. You'll earn up to 9 points per $1 spent on Expedia For TD, plus you'll have the opportunity to earn up to 200,000 welcome bonus points. And you won't pay an annual fee for the first year.
This is by no means a top business credit card, but it does provide access to the TD Card Management Tool to help you track business expenses and set spending controls. You can also link the card to the Visa SavingsEdge Program to earn discounts on your business purchases.
Pros:
- Up to 200,000 welcome bonus points
- First-year fee waived for primary cardholder and 2 additional cardholders
- 10 types of insurance coverage included
Cons:
- Redemption options are less valuable than other rewards programs
Maximize your earning
To get even more TD Rewards points, stick to high-earning purchase categories. Depending on your card, you'll also earn a low base rate of just 1 – 2 points per dollar, so stick to using your TD card for spending within these categories:
- Expedia For TD: Earn 4 – 9 points for every $1 spent in popular travel categories, including car rentals, cruises, flights, and hotels booked through Expedia For TD.
- Groceries, restaurants, and public transit: Earn 3 – 6 points for every $1 spent on up to $5,000 – $25,000 of eligible spending per category per year.
- Recurring bills and streaming, digital gaming, and media: Earn 2 – 4 points per $1 spent on pre-authorized payments like bills, donations, investments, membership fees, savings contributions, and subscriptions.
How to redeem TD Rewards points
You can redeem your TD Rewards points online through 1 of 4 websites, plus with the TD mobile banking app:
- ExpediaForTD.com
- EasyWeb.TD.com
- Amazon.ca
- TDRewards.com
Note: You can't redeem TD Rewards points if you miss making 2 minimum payments in a row.
Expedia For TD
Options: Activities, all-inclusive resorts, car rentals, cruises, flights, hotels, and vacation packages
Most valuable option: Any option at 0.5 CPP
How to redeem:
The most valuable TD Rewards redemption option belongs to Expedia For TD, a travel portal owned and operated by its namesake, Expedia. You can redeem by calling 1-877-222-6492 or logging in directly at ExpediaForTD.com.
Pick a category at the top, search by dates or destination, and refine your results by filtering for certain brands or sorting by price. You can check out once you add at least one item to your cart. Although Expedia For TD advertises a 10% – 38% discount on certain hotels, in practice, every booking yields about 0.5 CPP.
The site's best feature is its attention to detail. For example, you'll find amenities, check-in times, check-out times, pet policies, ratings, refund policies, and more on every hotel page. It's also one of the few Canadian rewards programs that offer price matching.
TD Rewards members enjoy preferred room rates and a 24/7 customer support line, plus a discount at Avis and Budget. At checkout, you can pay for some or all of your purchase in TD Rewards points at a rate of 200 points per $1 CAD.
If you run into trouble with your travel reservation, contact Expedia For TD for help, not TD Bank.
Convert TD Rewards points to Starbucks Stars
Options: Auto-recurring or manual (one-time) points conversions
Most valuable option: 0.67 CPP (1,000 TD points redeemed for brewed coffee, iced coffee, or a bakery item)
How to redeem:
You can't convert TD Rewards points to Aeroplan Points, but you can convert them to Starbucks Stars.
According to our research, Stars are worth 3.33 – 6.67 cents CAD each. But when you use TD's easy point conversion to Stars, their value drops significantly. Since it takes 1,000 TD points to earn 100 Stars, and the reward value is limited, you're looking at 0.5 to 0.6 CPP.
Book any travel
Options: Activity, accommodation, or transportation expenses
Most valuable option: Travel purchases over $1,200 at 0.5 CPP
How to redeem:
You can redeem TD Rewards points for any travel or travel-related purchase from a provider of your choice, making it one of the most flexible credit card rewards programs in Canada. Just remember that freedom comes with a 25% price premium.
Here's how it works: the first $1,200 of any eligible travel purchase trades 250 TD Rewards points per $1 CAD, yielding 0.4 CPP. Compared to a booking on Expedia For TD, which yields 0.5 CPP, you lose about $300 in potential value. Fortunately, you only need to trade 200 points per $1 CAD on the remainder.
To redeem your points, make your purchase, wait for it to post, then call TD customer service at 1-888-315-0603 or log in to TDRewards.com within 90 days.
On the website, select "Redeem" and "Book Any Way Travel." Enter the transaction dates and description from your credit card's transaction history and the amount. You can add multiple transactions by clicking the green "+" in the bottom left corner.
Once you're done, submit your transactions and wait for your rewards to be approved. You should see a statement credit applied to your credit card balance in a few business days.
Shop with points at Amazon.ca
Options: Most Amazon purchases
Most valuable option: Most items at 0.33 CPP
How to redeem:
You can redeem TD Rewards points for nearly everything on Amazon except digital products, Kindle eBooks, and Subscribe and Save products.
If you've ever used your TD credit card to pay for your Amazon shopping, your card is likely already enrolled in the program. You can verify your card's enrollment status by visiting and logging into the Shop With Points page.
To manually enroll a TD credit card, visit the Amazon TD Rewards page and click "Link your rewards account." Sign in and follow the instructions to complete the process.
Once your card has been enrolled, you can shop as normal. Just make sure to select your TD credit card as the payment method at checkout and to apply about 300 points per $1 CAD towards your purchase. You can pay for some or all of your total in TD Rewards points.
If you return your Amazon purchase, the TD Rewards points you spent will be credited back to your TD account.
Select gift cards
Options: eGift cards and physical gift cards
Most valuable option: All have 0.25 CPP value
How to redeem:
Head to the TD Rewards page or dropdown menu. TD recently phased out its merchandise catalogue, but if you select this from the dropdown menu, you'll be redirected to the gift card page.
Decide whether you want physical or eGift cards and select a retailer. Keep in mind that all redemption amounts require the same number of points, so you don't actually get more value from redeeming a huge amount of points at once.
Redeem for cash
Options: Credit card statement credits
Most valuable option: Any amount at 0.25 CPP
How to redeem:
TD Rewards statement credits yield a fixed value of 0.25 CPP at 400 points per $1, or 50% of their value on Expedia For TD. But there's something to be said for cash back rewards – especially when you can redeem on demand.
To redeem your points for cash, log in to EasyWeb or the TD mobile app. Select "Pay With Rewards" and select the credit card you'd like to pay off. You can redeem a minimum of 10,000 points ($25), a maximum of your entire points balance, or a custom number. Select "Continue," then "Pay Now," and you're done. You should see the credit applied to your balance in 5 – 7 business days.
FAQ
What are TD Rewards?
TD Rewards is the free rewards program operated by TD Bank. You can participate and earn reward points by using an eligible TD credit card. Then, you can cash in your points for gift cards, travel, statement credits, and Starbucks Stars.
How much is 10,000 TD Rewards points worth?
For 10,000 TD Rewards points, travel through Expedia For TD gives an estimated $50 in value compared to just $25 if you redeem the points for statement credits or gift cards. You can use our TD Rewards calculator to see how much your points are worth.
How do I cash out my TD Rewards points?
Log in to your TD credit card account, the TD Rewards site, or your mobile app. Skim through your redemption opportunities and decide how you want to use your points. Once you decide, see if you have enough points to cover your redemption option and confirm your choice.
Can I redeem TD Rewards for gift cards?
Yes, you can redeem your points for either physical or eGift cards from a selection of 55+ retail partners. Some gift card options even work with multiple retailers. For example, you might see a restaurant card that works at 6 or 7 different restaurant chains.
How do I use the TD Expedia booking system?
To book travel with Expedia For TD, you can either call 1-877-222-6492 to redeem points by phone or log in directly on the website. Start by searching by travel dates or destination and you'll find hotels, flights, vacation packages, and more to choose from.
Is TD travel rewards the best rewards program?
Unfortunately, no, TD Rewards isn't among the best rewards programs in Canada. MyMcDonald's Rewards is the most valuable program, offering an average earn rate of 12.5%, followed by VIPorter at 7.5% – while TD Rewards averages a mere 1.5%.
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