TD Rewards Visa Credit Card

This credit card review was updated on May 12, 2022 by John

TD Rewards Visa Credit Card

Apply Now

on TD’s secure site

Welcome Bonus
Earn a $50 value in TD Rewards Points to use at Plus, get a 9.99% promotional interest rate on purchases for the first 6 months.

Annual Fee
$0 Annual Fee for the Primary and Additional Cardholders.

Eligibility Requirements
You are a Canadian resident and are of the age of majority in your province/territory of residence.

Limited Time Offer – Must apply online by May 29, 2022.

TD Rewards Visa Credit Card At a Glance

You can look forward to some amazing benefits with this credit card in your wallet:

  • No Annual Fee.
  • Redeem your TD Rewards Points towards making purchases at with Amazon Shop with Points.
  • You can redeem the TD Rewards Points you’ve earned towards everyday perks like cash back, gift cards and more.
  • Your TD Rewards Points will never expire as long as your account is open and in good standing.
  • Shop with confidence knowing your eligible purchases are covered with Purchase Security and Extended Warranty Protection.

The Key Numbers to Know

These are the key numbers that you should know about this credit card:

annual fee: $0
interest on purchases: 19.99%
interest on cash advances: 22.99%
additional card holders: $0

The Easy Way to Earn Cash Back

TD makes it easy to earn and easy to redeem cash back dollars:

  • Earn 2 TD Rewards Points for every $1 in grocery purchases, restaurant & fast food purchases and regularly recurring bill payments set up on your Account.
  • You will Earn 3 TD Rewards Points for every $1 in travel purchases made with your Card through
  • Earn 1 TD Rewards Point for every $1 you spend on all other purchases made using your Card

Great Features of the TD Emerald Flex Rate Visa Card

There are even more card features and benefits to look forward to. Just click on the titles to learn more.

TD Rewards Program Benefits
The TD Rewards Program lets you earn TD Rewards Points on your everyday purchases and gives you the freedom and flexibility to redeem them how and when you want.

+ Shop with Points: Redeem your TD Rewards Points towards making purchases at to get what you want, when you want, quickly and easily.

+ Help pay down your balance: You can also redeem your TD Rewards Points to help pay down your Canadian Credit Card Account Balance through, EasyWeb or the TD app.

+ Go places: You can earn more TD Rewards Points when you book your travel online with your TD Rewards Visa Card through You can also redeem any earned TD Rewards Points towards that purchase at time of booking. Or, use your TD Rewards Visa Card to book travel with any other travel provider and redeem any earned TD Rewards Points towards that purchase within 90 days after the purchase date. Don’t forget, TD Rewards Points can also be used for travel related purchases made with your Canadian Credit Card including taxes, golf fees and resort excursions.

Travel Benefits
+ Priority Pass Membership Discount: All TD Travel Credit Cardholders in Canada receive an annual discount on a Priority Pass membership, your key to 1,200 VIP airport lounges worldwide.

+ Save with Avis Rent-A-Car and Budget Rent-A-Car: Use your TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.

Automotive Benefits
+ Option to purchase TD Auto Club Membership: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
+ Visa Zero Liability: Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities including your responsibility to protect your PIN.

+ Chip & PIN technology: TD Visa Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN).

+ Purchase Security and Extended Warranty Protection: You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.

+ Verified by Visa: provides you with increased security and convenience when you shop online.

+ Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD Cash Back Visa Infinite Card, or on any Additional Card holder’s card on your Account. Simply ensure that TD has your current mobile phone number listed in your TD Customer Profile.

+ Click to Pay: Paying online with your TD Visa card is easy, smart and secure. Just click to pay with your TD Visa where Visa is accepted.

+ Manage your credit card in the TD app: Set transaction limits, block international purchases or lock your credit card.

Everyday Services
+ Use Apple Pay or Samsung Pay wherever contact less payments are accepted – These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday purchases with just a tap of your device.

+ Emergency Cash Advances – You can ask for an emergency Cash Advance in an amount up to $500 for your TD Rewards Visa Credit Card (subject to your available credit limit).

Frequently Asked Questions

What is the interest rate on TD Rewards visa?
The standard rate for purchases is 19.99% and for cash advances is 22.99%.
What is the credit limit?
The credit limit is a minimum of $500.
How do you redeem TD Rewards Points from your credit card?
This card gives you the option to redeem your TD Rewards Points by shopping on partner websites (like or for amazing perks like cash back, gift cards and more.

Why should you get the TD Rewards Visa Credit Card?

To get more out of your purchases, the right choice would be to opt for a rewards credit card. The TD Rewards Visa Credit Card comes with the TD Rewards program that is packed with perks to help you get more out of all that you spend.

You can earn TD Rewards Points on everyday purchases and earn extra TD Rewards Points on eligible purchases. In addition, TD Rewards Points can be redeemed, at your convenience, to book your next big trip, to shop at with Shop with Points and even to pay your credit card balance. Choose TD Rewards Visa Credit Card for your next rewards card.

Apply Now on TD’s secure site