Programs like Aeroplan and AIR MILES offer great value for your miles when redeemed for travel (particularly for flights), but they can also be frustrating and time consuming.

Their value varies greatly, requiring some legwork to get the best deal. Not to mention leaving you to pay all the taxes and fees.

If you’re looking for an alternative program with a guaranteed return value every time, the TD Rewards Visa lineup can do just that.

Redeem your points for any travel at Expedia For TD – TD’s special Expedia portal – and get the same value for your points every time: 0.5 cents each.

There’s no need to search multiple dates to find flight availability or have to worry about paying any additional taxes and fees. Plus, you get access to the inventory of one of Canada’s largest online travel agencies.

You can redeem your points at any time, for whatever amount you want (with a minimum redemption of 200 points).

If this sounds like music to your ears, let’s dive into the 3 credit cards associated with this program.

TD credit card Average earn rate Sign up bonus value Annual fee for primary cardholder First year free? Learn more
TD First Class Travel Visa Infinite 1.65% Up to $400 when redeemed at Expedia for TD $120 Yes Learn More
TD Platinum Travel Visa 1.27% Up to $150 when redeemed at Expedia for TD $89 Yes Learn More
TD Rewards Visa 0.75% Up to $50 when redeemed at Expedia for TD $0 N/A Learn More
Plus up to 4% cash back.
Ends January 31, 2020.

TD First Class Travel Visa Infinite

The high-end card among the group, the will offer you the most rewards and benefits of all the other TD Rewards cards.

Rewards and benefits

First, you can earn a sign-up bonus of up to 80,000 points.

After making your first purchase, you’ll get 20,000 points.

And, for the first 3 months, you’ll be earning 5x the points for every eligible purchase, up to a total of 60,000 points earned.

However, this amount includes what you would be earning on your regular spending anyway. So, while you can earn 60,000 bonus points in the first 3 months on spending, the welcome bonus itself won’t be worth the full 80,000 points.

Plus, earn rewards on all of your everyday purchases:

  • 9 points per $1 spent online at Expedia For TD (6 points for bookings made over the phone), and
  • 3 points per $1 spent everywhere else.

That’s a 1.5% return for all your spend when you redeem your points at Expedia For TD. And, get a whopping 4.5% on your purchases made at Expedia For TD – the highest return when booking any type of travel.

As a comparison, let’s take a look at the earn rates on travel purchases on a few different travel credit cards when you redeem your points for any type of travel, not just for flights:

Credit card Travel earn rate Travel rewards program
2% American Express Membership Rewards
2% American Express Membership Rewards
2.13% BMO Rewards
3% (only on flights and vacation packages) National Bank À La Carte Rewards
. 5% cash back (excludes hotels, car rentals, taxes and fees) Scotia Rewards

Even if you’re strictly looking to redeem for flights, only the has a higher return of 5% on travel purchases, and that’s only based on transferring your points to Aeroplan and getting a value of at least 2.5 cents per mile.

And although the advertises that you can get a 5% return rate on travel purchases made through Scotia Rewards, you can’t earn this bonus on taxes, fees, hotels, and car rentals.


The savings don’t stop there. If you rent a car from either Avis or Budget, you’ll save a minimum of 10% off the base rate for rentals in Canada (5% in the United States).

Plus, get a discount on Priority Pass membership – a convenient perk if you like to visit airport lounges.

You’ll also get to access Visa Infinite benefits, such as The Luxury Hotel Collection and The Visa Infinite Dining Series, not to mention access to a dedicated concierge line to help with just about anything.

And to top it all off? Its annual fee of $120 is currently waived for the first year.

Travel insurance

This card has you covered with 9 types of travel and purchase insurance, including emergency medical coverage (including coverage for people over 65) as well as trip cancellation and trip interruption.

Here’s the full list of coverages available:

The verdict

The is a travel card with flexible rewards, guaranteed earn rates, a hot as fire sign-up bonus, and your first annual fee waived. There’s really no downside to giving this card a shot if you meet the income requirements of either $60,000 personal or $100,000 household.

Related: Best Flexible Rewards Credit Cards

TD Platinum Travel Visa

Don’t meet the income requirements of a Visa Infinite card, or looking for a card with a slightly lower annual fee?

The is a good alternative.

Rewards and benefits

To start, you’ll get a limited time sign-up bonus of up to 30,000 points that includes:

  • 15,000 points after your first purchase, and
  • 5x the points for the first 3 months, up to 15,000 points.

Keep in mind that the extra points that you earn in the first three months include the points you would be earning anyway.

And, get these high earn rates for your purchases:

  • 5 points per $1 spent online at Expedia For TD (3 points over the phone),
  • 3 points per $1 spent on groceries and recurring bill payments, and
  • 2 points per $1 spent on all other purchases.

For a lower annual fee, you’re still getting a return of up to 1.5% on your daily purchases, as well as 2.5% on your Expedia For TD bookings.

Travel insurance

For travel and purchase coverage, you’re still well covered with 7 different types. This card does include flight delay insurance, something the doesn’t have.

Here’s the full list of coverages provided:

The verdict

For a card with a lower annual fee and no income requirements, this is still a great card that’ll let you earn plenty of points to be used for any type of travel, and a reassuring guaranteed return of at least 1%.

TD Rewards Visa

Looking for a no annual fee option? Consider the .

Rewards and benefits

To get you started, this card will let you earn a welcome bonus of up to 10,000 points:

  • 5,000 points when you spend $1,000 in the first 3 months,
  • 2,500 points when you add an authorized user by March 2, 2020, and
  • another 2,500 points when you sign up for paperless statements, also by March 2, 2020.

After that, you’ll get some good earn rates on your day to day purchases:

  • 3 points per $1 spent on bookings at Expedia For TD (2 points if made by phone),
  • 2 points per $1 spent on groceries, restaurants, and recurring bills, and
  • 1 point per $1 spent on all other purchases.

Even for a no fee card, you’re still getting a good 1.5% return for your travel purchases, and up to 1% on your other day-to-day purchases.

Related: Best Travel Credit Cards With No Annual Fee

Travel insurance

Since this is a no fee card, the insurance is pared back.

You will only receive extended warranty and purchase protection coverages.

The verdict

If you value no annual fees over insurance coverage and still want to earn a great guaranteed return for your points for any type of travel purchase, TD has a card for you to think about.

To summarize

If you want to start earning points that are flexible, provide a guaranteed return, and can be used for any type of travel purchase, TD has a great underrated lineup of cards for you to consider.

Skip the time-consuming task of searching for the best deal, and go for the simple and hassle-fee.

Do you have a TD Rewards card?

Have you used Expedia For TD before?

Let us know how your experiences in the comments section below.