TD Rewards Visa Card
No Annual Fee Rewards

TD Rewards Visa Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn 15,152 TD Rewards Points ($50 value on Amazon.ca).
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Secure RateBuddy connection · Application completed on TD Canada Trust’s site
Annual Fee $0
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $50

RateBuddy Verdict

The Good
  • Charges absolutely no annual fee while still allowing you to earn flexible TD Rewards Points on your everyday purchases.
  • Uniquely includes up to $1,000 in Mobile Device Insurance, a highly valuable perk rarely found on a no-fee credit card.
  • Highly accessible for students or those building credit, requiring no strict minimum annual income to qualify.
The Trade-offs
  • The accelerated 3x points on Groceries, Dining, and Transit are strictly capped at just $5,000 in annual spending.
  • Completely lacks embedded travel protections like Car Rental Collision, Travel Medical, or Flight Delay insurance.
  • The base earning rate is very low, netting a low return on general purchases outside of the bonus categories.

Rewards & Earnings

Groceries 1.50%
Dining 1.50%
Gas 0.50%
Travel 2%
Recurring Bills 1%
Base Rate 0.50%
Rewards Summary: Expedia for TD: 4 pts per $1; Groceries, Dining & Transit: 3 pts per $1; Recurring Bills & Media: 2 pts per $1; Base Earn: 1 pt per $1.

Welcome Bonus Details

Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening.

Estimated Value: $50

Features & Benefits

No Annual Fee
No annual fee
Mobile Device Insurance
Up to $1,000 coverage
Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)

Insurance Coverage

Mobile Device: $1,000; Purchase Security: 90 days; Extended Warranty: +1 Year. (Note: Travel Medical, Trip Cancellation, and Car Rental Collision are not included).

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$0
Supplementary Card Fee$0
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

No Annual Fee Rewards
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